How we make this list: we compare pricing pages, product documentation and public user reviews. Ratings come from G2, Capterra or Trustpilot, with the date we checked them.
Key takeaways
- Tricount is the simplest straight swap for Splitwise, free with no account needed for people you invite by link.
- Splid is the best one-off trip tool, working offline with no accounts, but the free version covers one group at a time.
- Settle Up suits roommates and recurring shared costs, with multi-currency support and a paid premium tier.
- Spliit is the pick if you want open-source, self-hosted splitting with no accounts and no tracking.
- The deciding question is not features but friction: how many of your friends must install an app and create an account before the first expense is logged.
Quick comparison
| Tool | Best for | Starting price | Free plan |
|---|
 Tricount | Straight Splitwise swap | Free | Yes |
 Splid | One-off trips, offline | Free | Yes |
 Settle Up | Roommates and recurring costs | Free | Yes |
 Splittr | Quick trip splits with ads removed cheaply | Free | Yes |
 Spliit | Self-hosted, open source | Free | Yes |
 Kittysplit | Browser-only group splits | Free | Yes |
 Even Split | Europe-focused modern splitting | Free | Yes |
 SplitEqui | Fully free feature set | Free | Yes |
 Split the Bill | Mixed groups with app refusers | See website | Yes |
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The best Splitwise alternatives
Starting priceFree
Free planYes
Tricount, now backed by bunq, is the closest free replacement for Splitwise for most groups. There is no daily expense cap and no paywall on core features, and friends join through a link without creating an account, which removes the biggest adoption hurdle in group splitting. Offline use and multi-currency support cover the standard trip and flat-share cases without fuss.
The trade is the business model. Tricount is financed by its parent bank, so expect bunq promotion inside the app, and it lacks some of Splitwise Pro's power features such as receipt scanning and charts. For a group that wants a simple, free ledger that everyone will actually use, Tricount is the default recommendation.
What we like- Free with no entry limits
- Invitees join by link with no account
- Offline use
- Multi-currency
Watch out for- Funded by bunq, so expect bank promotion banners
- Fewer power features than Splitwise Pro
Starting priceFree
Free planYes
Splid is built for the trip use case and it shows. One person sets up the group, nobody else needs an account, and the app works fully offline, which matters when the group is abroad without reliable data. It supports more than 150 currencies and has no ads, so the free experience feels clean rather than like a demo.
The limit is scope. The free version manages one group at a time, so a household that also wants a trip group will need the one-time upgrade, priced around $4.99, which also adds PDF and Excel export. For a single trip, Splid is hard to beat; for ongoing shared living costs, pair it with a roommate tool or pay the small upgrade.
What we like- No account required
- Fully offline
- 150+ currencies
- No ads
Watch out for- Free version covers one group at a time
- Export needs the one-time upgrade
Starting priceFree
Free planYes
Settle Up is the roommate pick. Where trip apps optimize for a single journey, Settle Up handles the ongoing reality of rent, utilities, and groceries month after month, with multi-currency support for international flats. A free tier covers unlimited expenses, and a premium tier removes ads and adds features, with pricing around $18.99 a year depending on the store.
The friction is adoption: members need the app and an account for full use, though web access softens that. The free tier also lacks receipt storage and categories in some comparisons, so receipt-heavy households should check the current feature split. For a flat that splits bills every month, Settle Up's recurring-cost design earns its place.
What we like- Built for recurring shared costs
- Multi-currency
- Web access alongside apps
Watch out for- Full use needs accounts for members
- Premium pricing varies by store
- No receipt storage on free tier
Starting priceFree
Free planYes
Splittr shares the trip-app formula: participants can be added without accounts, expenses support multiple currencies and offline use, and the app covers the basics well. Its distinguishing detail is price: removing ads costs around $0.99 a month, $4.99 a year, or $14.99 for a lifetime purchase, making it one of the cheapest paid upgrades in this category.
The free experience is the weakness, with ads that reviewers describe as intrusive enough to slow down adding expenses. If the group will use the app for one trip, the free version is tolerable; for repeated use, the annual ad-removal purchase is cheap enough to be a non-decision. Splittr suits groups that want Splid-style simplicity with a different interface.
What we like- No accounts needed for participants
- Multi-currency
- Cheap ad removal
Watch out for- Ads in the free version are intrusive
- Fewer features than larger rivals
Starting priceFree
Free planYes
Spliit is the privacy-first option. It is open source, can be self-hosted, and the hosted version needs no accounts and does no tracking, which appeals to groups that dislike handing expense data to a commercial app. Creating a group and logging expenses works through a link, keeping the friction as low as Tricount's.
Two limits keep it from the top spot for everyone. Multi-currency support is limited compared with Splid or Settle Up, and as a smaller open-source project it has fewer features and a less polished mobile experience. For a technical user who values control over convenience, or a group with privacy concerns, Spliit is the right answer.
What we like- Open source and self-hostable
- No accounts
- No tracking
- Free hosted version
Watch out for- Multi-currency support is limited
- Smaller project with fewer features
- Self-hosting needs technical setup
Starting priceFree
Free planYes
Kittysplit removes the app question entirely by running in the browser. The organizer creates a group, shares a link, and participants add expenses without installing anything or signing up. For a mixed group where half the members refuse new apps, that zero-install property can be the difference between a ledger that gets used and one that dies after day one.
The cost of that simplicity is a basic feature set and no native app or offline mode. Kittysplit suits a weekend trip or a shared dinner series rather than a year of household accounting. When the group includes app refusers, it is one of the strongest options here precisely because it asks nothing of them.
What we like- Works entirely in the browser
- No install or signup
- Link-based sharing
Watch out for- No native app experience
- Feature set is basic
- No offline mode
Starting priceFree
Free planYes
Even Split is a newer, Europe-focused entrant with a modern feature set: euro-native formatting, data stored in the EU, smart minimum-transfer settlements, charts and a spending timeline on the free tier, and CSV and Splitwise import for switchers. The free tier covers 3 groups and 1,000 transactions, with Pro at around 2 euros a month and an unlimited tier above it.
The caveats are age and geography. As a newer product its user base is smaller, so groups outside Europe may find less community support, and heavy users will hit the free tier's limits. For a European group leaving Splitwise, the import tool and the free tier's generosity make Even Split an easy trial.
What we like- Euro-native formatting
- GDPR-first design
- Free tier with 3 groups and 1,000 transactions
- Splitwise import
Watch out for- Newer and Europe-focused
- Pro and Ultra tiers needed for unlimited use
- Smaller user base
Starting priceFree
Free planYes
SplitEqui makes the boldest pricing claim on this list: everything is free, with no premium tier, no ads, and no hidden fees. Unlimited groups and expenses, custom splits by percentage, shares, or exact amounts, and optimized settlements are all included, which matches or beats Splitwise Pro's feature set at zero cost. Roommate and trip groups are both explicitly supported.
The honest question is durability. A product with no revenue tier needs another way to sustain itself, and SplitEqui's track record is shorter than Tricount's or Settle Up's. Treat it as a strong free option with an export habit: keep a periodic export of your groups so a future change of terms never traps your ledger.
What we like- Every feature free, no premium tier
- Unlimited groups and expenses
- Custom split modes
- No ads
Watch out for- Newer product with a smaller track record
- Web-first experience
- Long-term funding model unclear
Starting priceSee website
Free planYes
Split the Bill is designed around the hardest adoption problem: friends who will not install an app. The organizer sets up the split, recipients open a web link, and receipt photos with QR scanning speed up entry for restaurant checks and shared shopping. That organizer-only model makes it a strong choice for one-off splits with a reluctant group.
Two gaps to note. The vendor does not claim an offline mode, and pricing details live on its site rather than in app-store listings, so confirm current terms before building a recurring household workflow on it. For mixed groups and single-event splits, though, the no-signup design is exactly the right trade.
What we like- Recipients need no install or signup
- Receipt photo and QR scan
- Web link sharing
Watch out for- No offline mode claimed
- Pricing details sit on the vendor site
- Newer brand
How we chose
We compared tools that do Splitwise's core job: tracking who paid, who owes whom, and the minimum transfers that settle a group. That excluded general payment apps and budgeting tools that cannot maintain a group ledger. Pricing figures come from each vendor's own site or app listing and from comparisons published in 2026, checked in October 2026, and where pricing sits behind a vendor page we say so. We weighed cost and free-tier limits, how much friction each member faces, multi-currency and offline support, and whether the tool fits trips, flats, or one-off events.
Pick by group, not by feature list
A trip group, a flat, and a dinner club need different tools. Trips reward offline use and no-signup onboarding, so Splid, Tricount, or Splittr win. Flats reward recurring-cost handling, so Settle Up or SplitEqui fit better. One-off events reward organizer-only tools like Split the Bill or Kittysplit. Choose the tool your least enthusiastic member will actually open, because an unused ledger helps nobody.
Keep an export habit
Free apps change terms, as Splitwise's own tightening of its free tier shows. Whatever you choose, export your groups periodically when the tool allows it, and keep a simple record of final settlements outside the app. That habit costs minutes and protects months of shared accounting.
This is not financial advice. These tools track shared expenses between friends; they do not replace budgeting or accounting advice for larger shared finances.
Frequently asked questions
What is the best free Splitwise alternative?
Tricount, for most groups. It is free without entry limits, invitees join by link with no account, and it works offline. Splid is the better trip-only pick, and SplitEqui offers the broadest free feature set if you accept a newer product.
Do my friends need to install an app to use these alternatives?
It depends on the tool. Tricount, Splid, Splittr, Kittysplit, and Split the Bill let participants join by link without accounts or installs. Settle Up asks members to use the app and an account for full use.
Can I split expenses in different currencies?
Yes, with most tools here. Splid supports more than 150 currencies, and Tricount, Settle Up, and Splittr all handle multi-currency groups. Spliit's multi-currency support is more limited, so check it first for international trips.
How do I move my groups from Splitwise?
Even Split offers Splitwise import, and SplitEqui and others support CSV import. For tools without import, export your Splitwise data and recreate active groups, then settle old balances before switching so nothing carries over incorrectly.
Is there a Splitwise alternative that works offline?
Yes. Splid works fully offline, and Tricount supports offline use. Browser-only tools like Kittysplit and Split the Bill need a connection, so they suit connected settings rather than travel without data.
Sources we checked (10)
- https://www.tricount.com
- https://www.splid.app
- https://settleup.io
- https://www.splittr.com
- https://spliit.app
- https://www.kittysplit.com
- https://even-split.com/
- https://www.splitequi.com/
- https://split-the-bill.app/blog/the-right-splitwise-alternative-depends-on-your-group
- https://getfinny.app/blog/best-splitwise-alternatives-2026
Is your product missing or out of date?
We review this list regularly. Vendors can request a listing, send updated pricing or ask about featured placement.
Shihab Mia · Founder, Rankite
Shihab has 5+ years in B2B and SaaS SEO. He writes Rankite's software buying guides from pricing pages, documentation and public user reviews. More about Shihab.