Splitwise Alternatives Worth Switching To

People leave Splitwise for one of four reasons: the free plan now caps how many expenses you can add in a day, the ads got noticeable, the features you wanted turned out to be behind Pro, or you got tired of shared costs living in a different app from the rest of your money. Which alternative is right depends on which of those it is.

What actually changed on the free plan

Splitwise's own knowledge base says it plainly: free users can add up to four expenses each day, and Pro removes the limit immediately. Splitwise's Pro page lists what else sits on the paid side — unlimited expenses, currency conversion, receipt scanning, itemisation, charts, expense search, default split settings, and "a totally ad-free experience", which tells you what the free experience is.

Splitwise does not publish a Pro price on that page; the cost is shown when you subscribe, and it varies by plan type and region, so check it in the app rather than trusting a number from a comparison blog. What it publishes is the shape of the deal: the free tier is a rate-limited, ad-supported version, and the things most people assume are basic — converting currencies on a trip, scanning a restaurant bill — are the upgrade.

That is a perfectly reasonable business model. It is also, for a lot of people, the moment they go looking.

The options, side by side

Tricount, if you want the closest like-for-like

Tricount is owned by bunq and says on its own site that it is used by 21 million people. It is free to download and use, and the feature list covers the things Splitwise puts behind Pro: a currency converter, offline mode, photo upload, and insights. It also ships a Splitwise importer, which is a fairly direct statement of intent.

Where it falls short: it is a group-splitting app and nothing else. Your personal spending is not in it, and it has no budgets or wallets. If you were happy with Splitwise's job description and unhappy with its limits, this is the shortest move.

Spliit, if you want no account and no company

Spliit is open source and free, with no account required. It splits by percentage, shares, or exact amount, shows balances, optimises reimbursements between participants, attaches receipt images, and has recurring expenses and AI receipt scanning in beta. It runs as a hosted web app, and because the code is public you can run it yourself if you would rather your group's ledger not sit on someone else's server.

Where it falls short: it is community-maintained and funded by sponsors, so support is best-effort and the roadmap moves at the pace of volunteers. For a house of four splitting rent for the next three years, that is a real consideration.

Kittysplit, if the group is temporary

Kittysplit is built for one-off groups: create a "Kitty", send the link, and everyone adds what they paid without registering. Its pricing page is unusually honest about the model — a free Kitty covers up to nine people with unlimited expenses, equal/share/fixed splits, and settle-up with the fewest transfers. A Super Kitty is a one-off €3.00 per group, not per person, and adds up to 100 people, currency conversion, receipt attachments, category insights, default shares, and a read-only link. One person pays and it gets added to the Kitty as an expense, so the group splits the cost of the upgrade.

Where it falls short: nothing here is designed for an ongoing ledger between the same people forever. It is a stag do, a ski trip, a wedding.

Settle Up, if you split in complicated ways

Settle Up handles the awkward cases well: multiple people paying one expense, members with different weights, incomes as well as expenses, and itemising from a long bill. It works on Android, iOS, Windows, and web, works offline, and does not require every group member to install it. Its Google Play listing declares ads and in-app purchases; premium removes the ads and adds receipt photos, expense categories, recurring transactions, and group colours.

Where it falls short: the free experience is ad-supported, and receipt photos — the thing that settles arguments — are on the paid side.

Expensorr, if splitting was never the whole problem

The other four apps replace Splitwise. Expensorr replaces the reason you had two apps.

Splitting in Expensorr works the way you would expect — evenly, by shares, or by exact amounts, with net balances and settlement tracking. The difference is where it sits. A dinner you paid for is one entry that becomes an expense in your own records, a balance owed to you, and a line in your monthly category totals at the same time. With a dedicated splitting app you enter that twice, or you enter it once and your personal spending quietly stops being accurate.

That matters most in three situations, and we have written each of them up separately: splitting with people you live with, a trip where everything is shared and nothing is in your home currency, and a freelancer splitting a mixed-use bill between business and personal. The same mechanism that splits a dinner four ways splits a phone bill 60/40.

It also carries the evidence. A split can start from a scanned receipt, so the shared expense keeps its proof rather than an amount someone typed from memory. If that is the part that appeals, the receipt capture guide covers how that works in practice, and the multi-currency guide covers the trip case, which is where shared ledgers usually break.

On cost: every Expensorr feature is free, including unlimited wallets, budgets, labels, splits, and 75 currencies. The free plan meters AI receipt scans and voice captures at a monthly allowance; the paid tier lifts that limit and changes nothing else. There is no daily cap on adding expenses.

When you should stay on Splitwise

This is the section most comparison pages skip, so here it is first-hand.

• Your group is already there. A shared ledger works because everyone looks at the same one. Migrating four flatmates to a new app to solve a problem only you have is a bad trade, and the four-expenses-a-day limit is not that painful if you add expenses as they happen rather than in a batch at the end of the month.
• Splitting is genuinely all you need. If you have no interest in budgets, wallets, or your own spending, a broader app is surface area you will not use. Splitwise is well-built and does one job.
• You want the network, not the features. Splitwise reports 10M+ downloads and an Editors' Choice badge on Google Play. That install base is the product. No feature list beats "the other person already has it."
• You are only annoyed by ads. If ads are the whole complaint, Pro fixes it in one tap and you keep the group history and everyone's account.

We have a longer, more direct Expensorr vs Splitwise comparison if you want the head-to-head rather than the field.

Moving your history out

Whichever way you go, do this in the right order:

1. Settle up first. Zero balances make the migration a non-event. Carrying nine months of half-remembered debts into a new app is how the new app gets abandoned too.
2. Export before you delete anything. Splitwise can export a group to CSV. Keep the file even if the new app cannot read it — it is the record of who paid what.
3. Start the new ledger from today's balances. Only rebuild history if you genuinely need it. Tricount's Splitwise importer is the exception worth using if you do.
4. Import into a tracker if that is where you are going. Expensorr reads CSV, XLSX, and XLS, so an exported Splitwise group becomes real transactions rather than a file in your downloads folder.

If you are rethinking the whole approach rather than swapping apps, the guide to splitting expenses with friends is about the method rather than the tool, and it applies whichever of these you pick.

What none of these do

Worth stating plainly, because it is the most common wrong assumption in this category: Expensorr does not connect to your bank. Transactions are added by scanning a receipt, speaking, importing a spreadsheet, or typing them in. Splitwise's Pro transaction import is card-based and, per its own page, currently US-only. If automatic bank feeds are your requirement, none of the five apps here is the right tool — look at a bank-aggregation app instead.

Expensorr also has no team accounts, employee roles, or approval workflows. It is built for one person, which is exactly why it suits shared personal costs and not company expense reports.

The decision, in one line

If the people you split with are already in Splitwise and splitting is all you want, upgrade or live with the daily cap. If you want the same job done without limits, Tricount is the shortest hop and Spliit is the one with no account and no company behind it. If the real problem is that your shared expenses and your actual spending live in two different apps, that is the gap Expensorr closes.

Sources for the claims above: Splitwise Pro and the Splitwise knowledge base for the four-expenses-a-day free limit and Pro's feature list, tricount by bunq for its feature list and user count, Spliit for its open-source and no-account claims, Kittysplit pricing for the free and €3 Super Kitty tiers, and the Settle Up Google Play listing for its ads, premium features, and platform support. All checked on 8 September 2026; verify current details before you commit, because every one of these can change.