Smart Split Calculator

iOS Universel / Finance

Stop Losing YOUR Hard-Earned Money to Hidden Mobile Money Fees
Every day, millions of mobile money users unknowingly pay extra fees on transactions - sending, withdrawing, paying bills - because of ignorance, blind trust and confusing pricing structures. Our AI analyzed thousands of transactions across Uganda, Kenya, Tanzania, Zambia, Rwanda, and other African countries and uncovered hidden "fee traps" designed to maximize mobile money provider profits.

The Problem
Mobile money fees are based on tiered ranges that look simple to understand but hide costly traps. For example, withdrawing 150,000 UGX can cost far more than expected. These traps are everywhere - sending money, withdrawing cash, paying bills - and they silently drain your wallet.
Providers design these ranges to make certain amounts disproportionately expensive. Most users never notice because the fee tables look simple but are complex and hard to interpret. Over time, these small losses add up to thousands of shillings, francs, or kwacha.

The Solution
Smart Split Calculator is the ONLY app that exposes these traps and shows you how to beat them. By splitting your transaction into two optimized amounts, you can save big - over 5,000 UGX per withdrawal in Uganda, 70 KES in Kenya, 1,815 TZS in Tanzania, 7,900 RWF in Rwanda, and 47.50 ZMW in Zambia.
This is not guesswork - our AI has decoded the hidden patterns in fee structures and built a simple tool that works for YOU.

Key Features
- AI-Decoded Fee Traps: Discover the exact ranges where you're losing money. See which amounts cost you the most and why.
- Smart Split Optimizer: Enter any amount and instantly see the best way to split your transaction for maximum savings. The app does all the complex math for you.
- Compare Providers: Side-by-side fee comparisons for different networks. Always know which provider saves you more for your specific transaction.
- Complete Fee Calculator: Calculate fees for:
- Sending money
- Agent withdrawals
- ATM withdrawals
- Merchant payments
- Bill payments
- Wallet-to-bank transfers
- Works 100% Offline
No internet needed - perfect for rural areas or when data is expensive.
- Zero Data Collection
No sign-up, no tracking, no personal data stored. Your privacy is guaranteed.
- Smart Intent Recognition (Uganda only)
Type naturally: "send 100k" or "withdraw 200000" - we understand both.

Who Should Use This App
- Mobile money users in Uganda, Kenya, Tanzania, Zambia, Rwanda
- Anyone sending or withdrawing money regularly
- People paying bills or school fees via mobile money
- Anyone who wants to keep more of their hard-earned cash
- Users comparing costs between mobile money providers

How Smart Split Works
Our AI identifies fee traps for each transaction type. If your amount falls into a trap, the app suggests an optimized split to reduce fees.
Example: Instead of withdrawing 300,000 UGX in one go (high fees), split into 60,000 + 240,000 and save 1,925 UGX instantly. Two quick withdrawals = thousands back in your pocket.
If your amount is outside the trap ranges, the app confirms that a single transaction is fine - so you never waste time unnecessarily

Supported Countries
- Uganda
- Kenya
- Rwanda
- Tanzania
- Zambia

Privacy Promise
Your data stays on your device. No analytics, no tracking, no cloud storage. Your financial information remains yours

Why You Need This App
Mobile money is essential in Africa, but fee structures are deliberately confusing. This app gives you transparency and control. Every optimized transaction puts money back where it belongs - in your pocket.
Imagine saving thousands of shillings every month just by splitting transactions smartly. That's money for school fees, groceries, or savings - not wasted on hidden charges.

Download now and start saving today!
Built for Ugandans, Kenyans, Tanzanians, Zambians, and Rwandese by someone who understands the pain of hidden fees.
Let our AI help you to uncover, outsmart and beat hidden mobile money fees and save