Splitwise Alternatives 2026: Free Bill-Splitting Apps Compared

Why people look for Splitwise alternatives

Splitwise is one of the best-known expense-splitting apps, and its free version is still widely used. The main reason people search for alternatives is the free tier’s limits. Splitwise’s own Splitwise Pro page lists “Unlimited expenses: add as many expenses as you like each day, with no interruptions” and “a totally ad-free experience” as paid features, which tells you the free version limits how many expenses you can add per day and shows ads. The exact daily cap is not stated on that page.

On price, Splitwise’s App Store listing says the Pro subscription amount “will vary by plan and country,” and that you can continue using Splitwise for free if you do not buy Pro. Pro also includes features such as receipt scanning and currency conversion. Because the price depends on where you are, check it in your app store before deciding.

Other common reasons to switch:

• A one-off trip or dinner where nobody wants to create an account.
• Travel in several currencies, where you want conversion without paying.
• Poor or no signal, where offline entry matters.
• Privacy preferences, such as wanting an open-source tool or no account at all.

Splitwise alternatives compared

Everything in this table comes from each app’s own website or official app store listing. Features change, so treat it as a starting point. Last checked October 2026.

“Not stated” does not mean the feature is missing, only that we could not confirm it on the app’s own pages. If a feature matters to you, check the latest listing.

How we checked these apps

We only included claims that each app makes about itself, on its official website, pricing page or app store listing, in October 2026. We did not rely on third-party review sites for prices or limits, because those figures conflict and go out of date quickly. Where an app’s own pages did not mention a feature, we marked it “not stated” rather than guessing. We have no commercial relationship with any of the apps listed, and nothing here is a paid placement.

Quick picks

• Want everything free in one app: Tricount.
• Traveling with lots of currencies: Splid, Tricount or Settle Up.
• One-off dinner, nobody wants to sign up: Kittysplit or Spliit in the browser.
• Prefer open source: Spliit.
• Already on Splitwise and happy: stay, and consider Pro if the daily limit bothers you.

Splitwise vs Tricount

This is the comparison most people search for, because the two apps do similar jobs with different business models.

Which should you choose?

• Choose Splitwise if your group already uses it, you like its interface, or you are happy to pay for Pro features like receipt scanning.
• Choose Tricount if the daily limit or ads bother you and you want a free option with multi-currency support.

Best app by situation

For travel

Look for multi-currency support and offline entry. On their own pages, Tricount, Settle Up and Splid all mention multiple currencies and offline use (Splitwise lists offline entry too, but currency conversion is a Pro feature), and Splid says it supports more than 150 currencies. If you want one app for a group trip with no account setup, Splid’s “no sign-up required” is convenient.

For roommates and shared homes

Long-running groups add many expenses over months, so a daily cap matters more. Tricount’s “no ads or daily expense cap” and Kittysplit’s unlimited free expenses are relevant here, as is Splitwise Pro if you prefer Splitwise.

For one-off dinners

For a single meal, you may not need an app at all. A phone calculator and the method in our guide to splitting the bill fairly with tax and tip takes two minutes. If you do want a shared record, browser-based tools like Kittysplit and Spliit let you share a link without anyone creating an account.

For privacy-minded groups

Spliit describes itself as open source with no ads and no account, which suits groups that prefer not to sign up for another service.

What to look for in a bill-splitting app

• Real limits on the free plan. Daily expense caps, group limits or ads can make a free app frustrating for an active group.
• Uneven splits. You will want more than “split equally.” Kittysplit lists splitting “equally, by shares, percentages or fixed amounts” on its free plan; Settle Up mentions even splits, unequal weights and multiple payers; Splitwise Pro offers default split settings such as 55/45 for couples.
• Currencies. Essential for international trips; check whether conversion is free or paid.
• Offline entry. Useful on flights, in the mountains or abroad without data.
• Account requirements. No-account apps are easier for one-off groups; accounts are useful for long-running ones.
• Smart settling. Most apps calculate the fewest payments needed to clear everyone’s balance, which saves time and transfer fees.
• Who owns the data. Read the privacy policy, especially for apps connected to cards or bank accounts.

Bill-splitting app etiquette

Apps make the math easy, but they can make the social side harder if used carelessly. A few habits keep things friendly:

• Agree on the app before the trip. Nothing is more annoying than three people tracking expenses in three different apps.
• Log expenses as you go. Adding everything at the end leads to forgotten items and disputes.
• Be generous with small amounts. Logging a $2 coffee for a friend can feel petty. Many groups agree to skip anything under a few dollars.
• Do not use the app as a scoreboard. It is a tool for fairness, not a record of who is the most generous.
• Settle up promptly. Clear balances when the trip or month ends, rather than letting them drift.
• Respect people who prefer cash. Not everyone wants another app; a simple “I’ll send you $40” is fine too.

Settling up in the US and Canada: Venmo, Zelle and Interac e-Transfer

Most splitting apps track who owes whom; the money itself usually moves through a payment service. In North America the common options are:

• Venmo (US): a peer-to-peer payment app widely used among friends for splitting meals and trips.
• Zelle (US): bank-to-bank transfers offered through many US banks’ own apps.
• Interac e-Transfer (Canada): money transfers between Canadian bank accounts by email or phone number, built into most Canadian banking apps.

Fees, limits and availability depend on your bank, account type and how a payment is funded, so check your provider’s current terms before relying on any of them. And as with any payment app, only send money to people you know and trust.

Do you need an app at all?

For many situations, no. Apps shine when a group has many expenses over time: a trip, a shared apartment, a wedding weekend. For a single dinner, it is usually faster to:

1. Agree on the method before ordering (equal split or pay your own).
2. Ask the server for separate checks, or let one person pay.
3. Have everyone pay that person back before leaving.

The hard part is rarely the math; it is the conversation. Our guide on how to ask to split the bill has scripts for every situation, and our guide on who pays for a birthday dinner covers the trickiest group case of all.

How to switch apps without losing track

• Settle all balances first. Start the new app with everyone at zero.
• Export your history if the old app allows it. Some apps offer export features; check before you leave.
• Get everyone to agree. A splitting app only works if the whole group uses the same one.
• Pick one person to set it up. They create the group and share the link or invite.

Costs people forget to split

Whatever app you choose, these are the items groups most often forget to log, and the source of most end-of-trip arguments:

• Tips and service charges, especially when one person adds them on a card.
• Booking and service fees on tickets, rentals and deliveries.
• Shared groceries and supplies for a rental or a shared home.
• Transport: gas, tolls, parking, rideshares and transit passes.
• Deposits that are refunded later and need to be returned to the right people.

Where MeetNow fits (and where it does not)

MeetNow is not a bill-splitting app and does not handle payments. What it does is make the question of who pays part of the plan from the start, so groups know before they arrive whether it is the host’s treat, a split, pay-your-own or free. Once you are at the table, you can use any of the apps above, or none.

Want to turn this into an actual plan? MeetNow is a free app for meeting people in person: a host posts a plan at a public place, says who pays (host pays, split, pay your own or free) and picks who joins. It is live on the web now, starting in Malta, with the phone apps on the way: open MeetNow and see the plans near you.

For affordable group plans outside, see our list of outdoor activities with friends.

Frequently asked questions

What is the best free alternative to Splitwise?

It depends on your group. Tricount describes itself as free with no ads and no limits and supports multiple currencies. Splid and Spliit say they are free with no sign-up, and Kittysplit is a free web app with an optional one-time group upgrade.

Is Splitwise still free?

Yes, there is still a free version. According to Splitwise, the paid Pro tier adds unlimited daily expenses, no ads and features like receipt scanning and currency conversion. Pro pricing varies by plan and country.

Splitwise vs Tricount: which is better?

Splitwise suits groups that already use it or want Pro features. Tricount suits groups that want a free app with no daily limit, multiple currencies and offline use, based on how each app describes itself.

Is there a bill-splitting app without an account?

Yes. According to their own sites, Splid requires no sign-up, Kittysplit needs no registration and Spliit works without an account.

Which bill-splitting app works offline?

Tricount, Settle Up and Splid all mention offline use on their app store listings or websites, and Splitwise’s App Store listing mentions offline entry. Changes made offline sync when you reconnect.

Is MeetNow a bill-splitting app?

No. MeetNow does not handle payments or split bills. It lets a host state who pays as part of a plan, so everyone knows before they meet.

The bottom line

If Splitwise’s free limits frustrate you, Tricount, Settle Up, Splid, Kittysplit and Spliit are all worth a look, and each states its pricing and features on its own site. For a one-off dinner, agreeing on the split before you order may be all the app you need.