About Diftiva

Turn a better spending choice into visible progress.

Diftiva is a plan-vs-actual spending tracker. It helps you see when you spend less than planned, assign that result to a goal, and track what you do next.

Start with what actually happened

Enter the planned amount and actual amount. Diftiva then shows one clear result: Under plan, Over plan, or On plan. You can save an over-plan entry for a complete view of your spending without creating a negative amount to assign.

Give an under-plan result a purpose

Assign some or all of an under-plan amount to a goal. The assignment shows your intention. It appears as Assigned · not moved until you report that you moved the money yourself.

Mark it only after you act

Move money using your own bank, wallet, or other account. Then return to Diftiva and mark the amount as moved. That status is based on what you report; Diftiva does not verify it with your bank.

What Diftiva is—and is not

Diftiva is a personal tracking tool. It is not a bank, payment service, money transmitter, custodial account, or investment adviser. Diftiva doesn’t connect to your bank or move money.

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