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Automatic income splitting for gig workers

Cleave provides gig workers with a virtual bank account that automatically splits incoming payments across custom virtual cards for rent, groceries, bills, and taxes. It uses LLMs to categorize transactions and suggest budget allocations based on spending patterns, helping users manage irregular income and avoid overspending or surprise tax bills.

4 engagement·1 source·Sat, Jul 11, 2026, 07:45 PM
Cleave gives users a virtual bank account with a real routing and account number that can be set as direct deposit on any gig platform (Uber, DoorDash, Upwork, etc.). When money arrives, it is automatically split across user-created virtual cards (e.g., rent, groceries, subscriptions) so funds are locked for specific purposes. The app uses LLMs to analyze transaction history and suggest optimal budget splits, and to categorize expenses automatically. No tech stack or traction signals were mentioned in the post.

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