The best Splitwise alternatives are Tricount, Splid, Settle Up, Spliit, Splitser, and Kittysplit. Tricount is the strongest free pick: no daily expense cap, multi currency support, and offline entry. Settle Up is best if you need to import existing Splitwise balances. All six remove the roughly 3 expenses per day limit on Splitwise's free tier.
Splitwise spent a decade as the default answer to "who owes who." Then the free tier tightened: a daily cap on how many expenses you can add, ads between actions, and several features that used to be free moved behind Splitwise Pro.
If you are mid trip and the app stops you after your third coffee run of the day, that is a real problem. This guide compares eight alternatives on the things that actually decide whether an app survives a week long group holiday: genuine free limits, receipt handling, settlement math, and multi currency support.
We build Splitwiser, one of the tools mentioned near the end of this list. Splitwiser is still in beta, so we have deliberately not ranked it against apps you can download and use today. The other seven recommendations are ordered on merit, not on who we are.
What is the Splitwise free limit?
Free Splitwise accounts are capped at roughly 3 expense entries per calendar day, counted across all groups and friends combined rather than per group. Receipt scanning, currency conversion, and some search features also require Splitwise Pro, which costs about $4.99 per month or $49.99 per year depending on your country.
What changed in Splitwise's free tier
Splitwise is still a capable product, and a company charging for software it maintains is reasonable. The issue is where the line landed. On a free account today you can expect:
- A daily expense cap. Roughly three entries per calendar day, counted across every group and friend combined, not per group.
- Ads between actions, sometimes with a short wait before you can continue.
- Receipt scanning behind Pro, along with currency conversion, which matters most on exactly the international trips where you add the most expenses.
- Pro pricing around $4.99 per month or $49.99 per year, varying by country.
Splitwise does not publish the exact cap and it has moved over time, so treat the number as approximate. The practical effect is consistent: a group logging a normal holiday's worth of meals, taxis, and tickets will hit the ceiling on day one.
If you already pay for Splitwise Pro and it works, there is no reason to move. Your history, your groups, and your friends are all already there. This guide is for people bouncing off the free tier.
How we evaluated each app
Roundups tend to list features nobody checks. We weighted these instead, in rough order of how often they cause a group to abandon an app:
- Is the free tier actually usable? No daily caps, no trial pretending to be a free plan.
- How much friction to get everyone in? An app that requires seven people to sign up loses two of them.
- Does it do the settlement math? Balances are easy. Reducing them to the fewest payments is the part people get wrong by hand.
- Multi currency. The single most requested feature from anyone splitting a trip abroad.
- Can you get your data out? Export matters more than people realise until they want to leave.
Pricing and feature tiers move around, especially on smaller apps. Everything below reflects what was publicly documented at the time of writing, and we have linked or named tiers rather than quoting exact figures where sources disagreed. Check current pricing before committing.
Quick answer: pick by situation
If you want the short version, find your situation:
- You want free with no asterisks: Tricount.
- Nobody wants to install anything: Kittysplit or another link based splitter.
- You want native apps on every platform: Settle Up.
- You care about privacy or want to self host: Spliit.
- Your group is bigger than about 15 people: Splitser.
- You want the fastest possible entry for a weekend: Splid.
- It is one dinner and it ends tonight: A spreadsheet is genuinely fine.
If your situation is specifically a holiday, we have written separately about splitting costs on a group trip and how to keep the settlement simple when not everyone shares every expense.
The 8 best Splitwise alternatives
1. Tricount, the best fully free option
Tricount has been around a long time and carries a large user base. Its central advantage is simple: there is no daily expense cap and the core splitting experience is not gated. It handles multiple currencies with exchange rates, works offline, and syncs when you reconnect.
Strengths
- No artificial expense limits
- Multi currency with exchange rates
- Offline entry, syncs later
- Large, established user base
Trade offs
- No itemised receipt splitting
- Ad supported
- Requires an install for full use
Verdict: the default recommendation for most people leaving Splitwise. You give up receipt scanning and item level claiming, and you get back unlimited expenses.
2. Splid, the best for speed and simplicity
Splid strips the concept back. No account, no onboarding, wide currency support, and an interface someone can understand in about ten seconds. That last point matters more than feature lists when you are trying to get six people to actually use the same tool.
Strengths
- No signup needed
- Very fast to learn
- Works offline
- Broad currency support
Trade offs
- No receipt scanning
- Limited split types
- Some extras behind a one off purchase
Verdict: the lowest friction way to get a whole group tracking the same trip. Not built for ongoing household expenses.
3. Settle Up, the best cross platform coverage
Settle Up covers Android, iOS, and the web, with cloud sync between them and offline entry. It can also import from Splitwise, which makes it one of the least painful migrations on this list if you have history you care about.
Strengths
- Genuine native apps plus web
- Imports from Splitwise
- Offline with cloud sync
- Affordable paid tier
Trade offs
- Interface feels dated
- No payment app integrations
- Occasional sync complaints
Verdict: the most direct like for like replacement for Splitwise, especially if migrating existing balances matters to you.
4. Spliit, the best open source option
Spliit is open source and can be self hosted, which means you can run it on your own infrastructure and keep group financial data entirely under your control. There is a hosted version if you would rather not, and it works without an account for basic use.
Strengths
- Open source, self hostable
- No ads or tracking
- Multi currency
- No account needed to start
Trade offs
- Self hosting needs technical skill
- Smaller community
- Advanced features may need your own API keys
Verdict: the right answer if you have opinions about where your data lives. The hosted version is fine for everyone else.
5. Splitser, the best for large groups
Most splitting apps quietly degrade past a dozen people. Splitser is built for scale, handling very large groups and a wide range of currencies, with many years of operation behind it. It can also import from Splitwise.
Strengths
- Handles very large groups
- Wide currency support
- Imports from Splitwise
- Long track record
Trade offs
- Less known outside Europe
- Interface shows its age
- No receipt scanning
Verdict: if your group photo does not fit in one frame, start here.
6. Kittysplit, the best for a single event
Kittysplit does one thing: you create a shared pot, add what people paid, send a link, and it tells everyone how to settle. No registration, no install, no account to abandon later.
Strengths
- Zero signup, zero install
- Share by link
- Free with no ads
- Works in any browser
Trade offs
- Very limited features
- Not built for ongoing tracking
- No native app
Verdict: perfect for the thing it does. Do not try to run a two week holiday on it.
7. A spreadsheet, the option nobody recommends but plenty of people should use
If four people are splitting a weekend cabin and there will be maybe eight expenses total, a shared spreadsheet beats installing anything. It is free, everyone already has it, there is no cap, and you can shape it however you want.
The part that goes wrong is the settlement maths at the end, which is exactly what apps automate. If you want the structure without the spreadsheet, our free trip expense calculator does the balances and works out the fewest payments needed, with no signup and nothing to install. There is a rent split calculator too if the shared cost is a monthly one.
Strengths
- Free and unlimited
- Total flexibility
- Everyone already has access
Trade offs
- You do the settlement maths
- Easy to make quiet errors
- Nobody updates it on holiday
8. Splitwiser, in beta
This is us, so treat it accordingly. Splitwiser is the tool we are building after getting frustrated by the same free tier limits described above. The design goals are unlimited expenses on the free tier, settlement optimisation by default, and no paywall on the basics like adding an expense or seeing a balance.
It is not shipped yet, so we are not going to claim it beats anything on this list. What you can use today are the two calculators linked above, which are free, require no account, and run entirely in your browser. If you want to hear when the full app is ready, the waitlist is on our home page.
Full comparison table
Feature availability and pricing tiers change, particularly on smaller apps. Verify before you commit a whole group.
| App | Daily limit | No install | Settlement math | Multi currency | Best for |
|---|---|---|---|---|---|
| Splitwise (free) | Yes, about 3/day | Partial | Yes | Pro only | Existing Pro users |
| Tricount | None | No | Yes | Yes | Free with no gates |
| Splid | None | No | Yes | Yes | Fast setup |
| Settle Up | None | Partial | Yes | Yes | Cross platform |
| Spliit | None | Yes | Yes | Yes | Privacy, self hosting |
| Splitser | None | No | Yes | Yes | Large groups |
| Kittysplit | None | Yes | Basic | Yes | Single events |
| Spreadsheet | None | Yes | Manual | Manual | Small, short splits |
How to leave Splitwise without losing your data
The reason people stay on an app they have stopped liking is the fear of losing history and outstanding balances. It takes about ten minutes to move properly:
- Settle what you can first. Clearing balances before you migrate means you carry over far less. This is the single biggest time saver.
- Export each group to CSV. On the Splitwise web app, open a group, then use the export option in the group settings. Do this per group, and keep the files.
- Pick a destination that imports. Settle Up and Splitser can bring Splitwise data across, which saves re entering anything.
- If your new app cannot import, enter opening balances. Add a single starting expense per person reflecting what they already owed. Nobody loses money and you skip re typing months of history.
- Move the group chat, not just the app. Migrations fail when one person keeps logging expenses in the old tool. Post the new link where the group actually talks.
Frequently asked questions
- What is the Splitwise free limit in 2026?
- Free Splitwise accounts are capped at roughly 3 expense entries per calendar day, counted across all groups and friends combined rather than per group. Receipt scanning, currency conversion, and some search features also require Splitwise Pro. Splitwise does not publish the exact cap and it has changed over time.
- How much does Splitwise Pro cost?
- Splitwise Pro costs about $4.99 per month or $49.99 per year, though pricing varies by country. Pro removes the daily expense limit and ads, and unlocks receipt scanning and currency conversion. Verify current pricing on Splitwise's site before subscribing, as tiers change periodically.
- What is the best free Splitwise alternative?
- Tricount is the best fully free Splitwise alternative for most groups. It has no daily expense cap, supports multiple currencies with exchange rates, and works offline. If nobody in your group wants to install an app, browser based splitters like Kittysplit work from a shared link instead.
- Can I export my data out of Splitwise?
- Yes. Splitwise lets you export any group to CSV from the group settings in the web app. Settle Up and Splitser can import that data directly. If your new app cannot import, add one opening balance expense per person so nobody loses track of what they already owe.
- What is settlement optimization in a bill splitting app?
- Settlement optimization calculates the smallest number of payments that clears every balance in a group. Without it, six people might owe each other a dozen separate transfers. With it, the same balances usually settle in two or three payments, which is why it matters most on group trips.
The bottom line
There is no single best Splitwise alternative, because "best" depends on whether your problem is cost, group size, privacy, or just getting six people to use the same thing. For most people leaving over the free tier limits, Tricount is the safest landing spot. If you want to migrate existing balances, Settle Up handles that best. If you care about where your data lives, Spliit is the only one that lets you own the server.
What every option here shares is the thing Splitwise took away: you can add as many expenses as your trip actually generates, without an app deciding you have had enough for today.