Splitwise alternatives, honestly compared

Almost nobody goes looking for a Splitwise alternative because they dislike Splitwise. They go looking because they hit something: an ad where a balance used to be, a currency conversion that turned out to be a paid feature halfway through a trip, or a receipt they could not scan without upgrading.

Or they hit the bigger one, which no amount of paying fixes: the app can only divide a bill evenly, and an even split stopped feeling fair a while ago. This piece covers both, from each company’s own pages and store listings rather than from the aggregator blogs, which are where stale pricing comes from.

What Splitwise actually puts behind Pro

Worth starting here, because it is the thing people are reacting to, and because Splitwise publishes the list themselves. Pro covers unlimited expenses, transaction import in the United States, currency conversion, charts and graphs, receipt scanning, itemization, expense search, default split settings, early access to new features, and what they describe as a totally ad-free experience.

Selling ad-freeness as a Pro feature means the free tier carries ads. That much is unambiguous.

The daily limit everyone asks about is on that list too, worded as adding as many expenses as you like each day without interruptions. A benefit phrased that way only means something if the free tier limits how many you can add per day, so that is how we have read it. Worth knowing that a feature list elsewhere on their site still says unlimited expenses, which we take as older copy rather than a live promise. If you are choosing on that basis, check the app.

One row in that list deserves its own explanation, because every app on this page has it and none of them describes it accurately: debt simplification is the step that turns twenty one paybacks into four, and the usual algorithm is not quite the minimum it claims to be. The fewest payments that settle everyone up works through it, including where ours loses.

Worth saying plainly: Splitwise does not cap how many groups you can have, and recurring expenses are in their free column.

The four alternatives

These are the apps that actually come up, rather than a padded list of ten. Ours is first because we wrote this, and each entry says what that app is good at, because that is the part a comparison usually gets wrong.

Halvy

The one thing here that nobody else in this comparison offers at any price is splitting in proportion to income, and it is free. If you and the person you are splitting with earn different amounts, an even split quietly costs the lower earner far more of what they have, and fixing that is the entire reason this app exists.

What the free tier covers:

• Income splitting, stored and shown as a percentage so neither person ever has to say a salary out loud
• Unequal and custom splits, and unlimited expenses with no daily cap
• Typing an expense the way you would say it, as in “dinner 84 sam”, by keyboard or by voice
• A one-tap import of your Splitwise history, which you can try further down this page
• Three groups, your first trip, two currencies, home-screen widgets, and 15 languages
• No ads on any tier, and no bank connection at any tier

What Pro adds:

• Receipt scanning with line-item splitting, so one person can pay and still only owe for what they ate
• Recurring and scheduled expenses, and a bill-due calendar
• Budgets, full reports, insights and export
• More currencies in one group, with the rate locked to the day of purchase rather than today’s
• Further trips, custom categories, advanced search
• Business mode for freelancers: tax, vendors, clients and mileage

Tricount

The one app here with no paid tier at all: its App Store listing carries no in-app purchases, and its own wording is “no subscription, no hidden fees, no limit on tricounts or expenses”. Free covers unlimited groups and expenses, automatic currency conversion, offline entry, photos on expenses, monthly spending trends, and an import from Splitwise. It states no ads as well as no fees.

Where it stops is anything past tracking. Their features page lists no receipt scanning, no recurring or scheduled expenses, no budgets, and no way to split by income. It is a very good shared ledger rather than a tool for running household money, and the reason it can afford to be free at all is worth understanding.

Settle Up

Free with in-app purchases, on iOS, Android and the web, with over 2.5 million users by their own count. Multiple currencies and CSV export are free. Premium adds an ad-free experience, receipt photos, recurring and future expenses, custom categories, Excel export, and statistics by category and member. It explicitly minimizes the number of transactions needed to settle everyone up, which is the same calculation the who-owes-who tool on this site does.

Its pricing has one genuinely unusual idea. Alongside a monthly or yearly subscription, Settle Up sells premium passes for a single group, from one week up to a lifetime. If you take exactly one trip a year and want nothing else from an expense app, paying for the two weeks you are away is a sensible shape.

Splid

The most stripped-back app here, and deliberately so. No sign-up is required, it works offline, and Splid Plus is a one-time purchase rather than a subscription, which reviewers single out as the reason they picked it over Splitwise. It converts across 150 currencies at no cost, PDF summaries are free, and Excel export is a separate purchase.

What you are trading for that simplicity is everything past the basics. Their own “all features at a glance” list has no receipt capture, no recurring expenses, no budgets and no charts, and there is no way to split by anything other than an amount you type yourself.

The comparison, in two tables

Split in two on purpose, because there are two different questions here and mashing them together produces nonsense. First, can the app do the thing at all. Second, what does it cost. An app given away by a bank wins any table that only asks the second question, which tells you about its owner rather than about the app.

So this first table ignores price. Yes means the app does it, and a paid tag means you have to pay for it. Pricing gets its own table underneath.

Read down the columns rather than across the rows. Every one of these apps will hold a list of expenses and tell you who owes who, so on the basics they are interchangeable. Where they diverge is how far past the basics they go, and what they ask you to pay when you get there.

What each one costs, and what you get for nothing

The other half of the question, kept separate so it cannot distort the first. Exact prices are left out on purpose: they differ by country and change without notice, and a stale number in a comparison is worse than no number.

Which one to choose

Every app on this page will hold a list and tell you who owes who. So the question is not which one works, it is which one is still working a year in, when the group has grown, someone is traveling, and one of you earns half what the other does.

Worth saying before any of this: if the thing you are actually unhappy about is how the shares are worked out rather than which app holds them, changing app will not fix it. How to split shared costs fairly covers the five methods and when each one is right, which is the decision underneath the choice of tool.

Start with Halvy if the split itself is the problem. If you and the person you are splitting with earn different amounts, we are the only app here that can divide a bill in proportion to income, at any price, and it is free. That one row is uncontested in the table above. It is also the reason people search for an alternative in the first place: not because the arithmetic is hard, but because an even split stopped feeling fair.

Past that, the honest short version. Splitwise is the safe default if everyone you split with already has it and no limit is bothering you. Splid suits someone who wants the fewest possible features for one payment. Settle Up is worth a look if you take exactly one trip a year and want to pay only for those two weeks. Tricount is the one to pick if paying nothing matters more than what the app can do.

Moving your history across

This is the real cost of switching, and it is the one most comparisons skip. Splitwise has no public API for reading your own data, so no app can move it for you by connecting to your account. What Splitwise does have is an Export as spreadsheet button, which downloads a group as a CSV, and that file is the only migration path anyone can offer.

Halvy reads that file directly, and what matters is how faithfully. It picks up the member columns, rebuilds every expense with its original shares rather than re-splitting evenly, keeps settle-up rows as payments rather than expenses, and tells you about anything it skipped instead of quietly dropping it. So the dinner where you covered your friend’s half comes across as that, not as a tidy three-way split that never happened.

Rather than ask you to believe that, here is the actual parser, running in your browser. Paste your own export in, or load the sample.

One caveat worth knowing before you migrate anything: an export is a snapshot of one group at one moment. If you are mid-trip with expenses still landing, settle up in Splitwise first, then export, then import. Otherwise you are reconciling two sets of books.

Common questions

Competitor details were compiled in August 2026 from each company’s own marketing pages and app store listings, and are not maintained continuously. Features and prices change, so verify anything you are about to pay for. Halvy’s own free and Pro contents are stated from the configuration the app actually runs on.