The best-known Splitwise alternatives are Tricount, Splid, Settle Up and the groups feature in Venmo. Tricount and Splid both say on their own sites that they're free, Settle Up sells a one-time Premium upgrade, and Venmo groups keep the bill and the payment in one app. All four do the core job: you add shared costs and the app works out who owes whom. Which one fits depends on why you're looking. If the real problem is that your budget counts the whole bill as your spending, you may not need to leave Splitwise at all; that case is at the end. Everything about each app comes from its own site, checked in October 2026.
Why people look for a Splitwise alternative
Splitwise itself is free on iPhone, Android and the web, according to its home page. Its own pages point to a few reasons someone might look elsewhere.
- A daily limit. Splitwise's help article on Pro says free users can add up to 4 expenses each day. After a long trip with a dozen receipts, that means spreading the entry over several days or paying for Pro.
- Features in Pro. Its Pro page lists receipt scanning, currency conversion, expense search and charts as Pro features, along with unlimited expenses and no ads. The Splitwise pages we read don't show a Pro price.
- Paying inside the app. Splitwise's guide to sending money lists Splitwise Pay, Venmo and PayPal in the US and Pay by Bank in select European countries. Elsewhere, you settle up outside the app and record the payment.
If none of these bother you, Splitwise may already be the right tool. Our guide to how Splitwise works covers groups, simplify debts and settling up.
Tricount
Tricount's home page sums itself up as a way to split expenses with friends, on trips or at home, and adds: "Free. No ads. No limits." It's on iOS and Android, and you can try it without signing up.
You create a group, add expenses, pick who each one includes and record who paid, and Tricount shows who owes whom. Two details stand out for people coming from Splitwise. Its comparison table lists importing your Splitwise group, so you may not have to re-enter old bills. And if you bank with bunq, a bunq Card can add shared expenses to Tricount as you spend.
To get paid back, Tricount uses payment requests: you send a friend a request for what they owe, then mark the repayment as paid once the money arrives. Tricount's own page puts it plainly: a request doesn't mean you've been paid.
Splid
Splid's site says it's free and that there's no sign-up required. You enter your expenses and Splid shows who owes how much to whom.
A few things it lists:
- Offline groups you can settle without an account, with optional sync if you want to enter expenses together.
- More than 150 currencies, converted on their own.
- Summaries you can download as PDF or Excel files.
Its site links to the iPhone and Android apps. Splid suits a group that wants to start splitting in a minute, without asking everyone to make an account first.
Settle Up
Settle Up's home page says it keeps track of a group's expenses, for travellers, flatmates and couples, and that every expense is backed up and synced so each member can see it. It shows who pays next and keeps the number of payments down. It runs on Android, iPhone and the web.
Its tips page adds the details:
- Debt minimization can be turned off in the Edit group screen, if your group would rather pay back exactly who paid.
- Costs in other currencies are converted with daily exchange rates, which you can edit.
- Group Premium is a one-time payment that turns Premium features on for everyone in one group. Inviting five new users earns you one Premium feature for good.
The pages we read don't list Premium prices or say what the free version leaves out, so check the app before you pay.
Venmo groups
If your group already pays each other on Venmo, its groups feature keeps the splitting there too. Venmo's page on sending and splitting says you can add friends to a group and handle all the costs in the Venmo app, for things like household bills or trips. You add expenses as they come up, adjust each person's share, and when you settle up, Venmo works out who pays what.
Sending money is where cost can come in. Venmo's fees page lists no fee to send from your Venmo balance, a debit card or a bank account, and a 3% fee when you send with a credit card.
How the math works in any of these apps
Every app on this list does the same arithmetic. Say four roommates share an apartment for a month:
- You pay internet: $80.
- One roommate pays a big grocery order: $240.
- Another pays cleaning supplies and a new vacuum: $160.
- The fourth pays nothing this month.
The month cost $480, so each share is $120. Each balance is what that person paid minus $120:
- You: $80 paid, so you owe $40.
- The grocery roommate: $240 paid, so they're owed $120.
- The vacuum roommate: $160 paid, so they're owed $40.
- The fourth roommate: $0 paid, so they owe $120.
Check: the two who owe, $40 and $120, owe $160 in total, the same as the $120 and $40 the other two are owed. An app that keeps the number of payments down would suggest two: the fourth roommate sends $120 to the grocery roommate, and you send $40 to the vacuum roommate. Each app above says it works out who owes whom, so you can try a month like this in two of them and see which screen your group finds clearer.
If the real problem is your budget counting the full bill
Some people looking for a Splitwise alternative are happy with how Splitwise splits bills. What bothers them is their budget app. Say you pay a $300 dinner for four on your card and log it in Splitwise. Your share is $75. Many budget apps count the whole $300 as dining, and when three friends send you $75 each, the $225 shows up as income.
A different split-the-bill app won't change that, because the budget app still only sees your card. What fixes it is joining the two: the card charge tells you what you paid, and the Splitwise bill tells you how much was yours. Our post on Splitwise and your budget shows how to do this by hand.
If you'd rather not, you can keep Splitwise and connect it to a budget app. Monio connects to Splitwise and links each shared bill to its card charge, so that dinner counts as $75 of spending and your friends' $225 isn't counted as income. It works alongside Splitwise rather than replacing it, in the US and Canada, for $7.99 a month or $80 a year.
Questions
What are the best Splitwise alternatives?
The best-known are Tricount, Splid, Settle Up and the groups feature in Venmo. All four do the core job: you add shared costs and the app works out who owes whom.
Is there a free alternative to Splitwise?
Tricount and Splid both say on their own sites that they're free, as checked in October 2026. Tricount's home page also says no ads and no limits, and Splid says there's no sign-up required.
Can I import my Splitwise group into Tricount?
Tricount's comparison table lists importing your Splitwise group, so you may not have to re-enter old bills. That comes from Tricount's own site, checked in October 2026.
Can you split bills in a Venmo group?
Venmo's page on sending and splitting says you can add friends to a group and handle all the costs in the Venmo app, adjusting each person's share, and Venmo works out who pays what when you settle up. Its fees page lists a 3% fee when you send with a credit card.