Home / Blog / Money

Splitwise alternatives: 10 apps ranked on five plain tests

October 7, 2026 · 14 min read · Dimesum Engineering

Splitwise's help centre says a free account can add up to 4 expenses a day, as of 7 October 2026, and that is why most people start looking. Ten alternatives, ranked on five tests you can run yourself, with every fact about another app dated.

Splitwise stops a free account at 4 expenses a day, as its help centre states as of 7 October 2026. Dimesum, the app we make, keeps its ledger free with no daily cap, and it sits first in this list for that reason and for four more you can check yourself.

Below are ten Splitwise alternatives, ranked on five plain tests: free with no daily cap, an edit that keeps history, a balance per currency, settling in fewer transfers, and a clean exit. Every fact about another app comes from a store listing, a company page or a dated review read in August 2026. Where our sources say nothing, the table says so instead of guessing.

The daily cap is why most people start looking

Splitwise documents the cap: its help centre article on Splitwise Pro lists unlimited expenses under Pro and says a free account can add up to 4 expenses each day, as of 7 October 2026. Reviews show what meeting it is like, from a Hacker News comment on 6 September 2024 saying free accounts had been throttled to four a day, to a New Zealand reviewer who describes being stopped at three. Our guide to the Splitwise daily expense limit covers the cap and the ways round it.

The complaint shows up in the numbers. Of the 150 most recent reviews on the Splitwise App Store listing across six storefronts, 69 gave one or two stars as of 22 August 2026. Among those, the paywall came up 38 times and the expense limit 19 times. Settlement came up 18 times, ads 10 and currency 3.

"…after your 4th expense it says 'daily limit reached'. Have some shame." A reviewer in Great Britain, one star, version 26.6.3.

A second complaint lands harder on groups. A two-star review from Great Britain on version 26.5.4 reads: "Now EVERY member of a group needs a subscription. So this means say you go away with 8 mates, they all need a Splitwise Pro membership." Splitwise's help centre explains why: Pro is sold per person, so each member who adds more than 4 expenses a day needs a plan, unless the group holds the 30-day Trip Pass that comes with a yearly plan (as of 7 October 2026).

The paid tier is Splitwise Pro, whose own page leads with unlimited expenses and no ads. US in-app prices sat at $2.99, $3.99, $4.99, $29.99 and $39.99 in August 2026, legacy tiers alongside current ones. TechCrunch reported $3 a month when Splitwise raised its Series A in April 2021.

Five tests, and why these five

A ranking is only as honest as its criteria, so here they are before the list. The first is new for this page. The other four are the ones our bill splitting apps comparison uses, because they decide which ledger still makes sense at month four.

Free with no daily cap

The cap is the reason this page exists. A trip produces bursts: six bills on the first night, none for two days, then a dozen at the airport. An app that counts entries per day charges for exactly the day a group needs it most.

An edit that keeps history

Someone always enters a bill wrong. Sofia types €64 for fuel when it was €46, and Noah notices a week later. The app should post the correction and keep the original, so anyone can see what changed and when. We explain the mechanism in why an edit must restate its split and the append-only ledger under it.

A balance per currency

A group that pays in yen and euros on one trip owes in both. Converting each bill at the moment it is entered bakes a guessed rate into the record, and the guess drifts. We catalogued six of those failures in the multi-currency money bugs post.

Settling in fewer transfers

Five friends can owe each other in a tangle, and paying every debt literally can take a dozen transfers. Netting first means at most four. The arithmetic is in our guide to settling up group expenses.

A clean exit

A group ends, and somebody wants the record out and the account gone. An app that makes leaving hard is telling you something about how it treats the record while you stay. Check this one before you invite anyone.

The 10 Splitwise alternatives, ranked

The order follows the five tests, and a test our sources cannot answer counts as unproven. Some apps sit low because our sources are silent about them, so read the lower half as unproven.

1. Dimesum

Dimesum is a free shared-expenses ledger with no daily expense limit. Its only caps are 50 people a group and 200 groups an account. Every balance is kept per currency, and a group may read them folded at rates it agrees. It settles a group in at most one transfer fewer than its people, per currency.

An edit restates the whole split and keeps the history, so nothing is overwritten. Someone without the app takes a seat from a link or a QR code, and you can add a person who has no account as a kept place they claim later. Dimesum splits a bill by item, with tax, tip and discounts shared by what each person had.

It never holds money. When it is time to pay, it opens a payment door: PayPal, Venmo, Cash App, Wise, Revolut, Zelle, PayNow, Pix or a bank transfer by IBAN. The app reads in 18 languages, and you can delete your account from inside it.

The limitation, stated plainly: the web app is live at app.dimesum.com, and the Android and iOS apps are in closed testing. There is no store listing yet. The full side-by-side is in Dimesum vs Splitwise.

2. Monzo Split

Monzo Split is the split feature inside the bank Monzo, rebuilt on 24 March 2025. It keeps a running balance with unlimited expenses and allows partial settlement. Guests join by link and need neither a Monzo account nor a UK address. Monzo keeps a feature grid against "Splitwise Core" on its own site, footnoted as of 18 March 2026.

What our sources leave open: how it treats an edit, a second currency or an export. It also lives inside a bank, so the person who sets the group up is a Monzo customer. We compare the bank features side by side in bank split features compared.

3. Revolut Group Bills

Revolut Group Bills has run inside Revolut since 19 August 2020 and holds groups of 2 to 20 people. It settles through a feature Revolut calls Smart Settle. People without Revolut have joined through a web version since about mid-2025. Revolut's terms for it say "we do not currently charge a fee."

The group size stops at 20. Our sources record nothing about edits, currencies or getting the record out. "Currently" is the company's own word about the fee.

4. Tricount

Tricount is a group expense app owned by the bank bunq. Its Premium tier was removed, so as of August 2026 it is free with nothing to buy. Its Android build was last updated on 2 June 2026 when we checked on 22 August.

The money comes from the bank, which makes the app a front door to bunq. Our sources say nothing about edits, currencies, settling or export. Our Tricount alternatives page goes further into the ownership question.

5. Spliit

Spliit is an open-source group expense app that runs in a browser or on your own server. Its founder announced it on 1 February 2024 and wrote, "I made Spliit because I was sick of Splitwise, of all the ads." It reported about $1,300 a year of income, 92% of it from the founder's own donation.

That budget is the limitation. Continuity rests largely on one person, and there is no app store listing. Our sources record nothing about how it handles an edit, a second currency or settling.

6. Settle Up

Settle Up is a group expense app sold as a subscription, plus a per-group purchase that one person can buy for everyone in the group. Prices ran from $5.99 a week to $149.99 for a lifetime pass as of August 2026. Its Android build was last updated on 17 August 2026.

The free version's limits are not in our sources, and neither are edits, currencies or export. The pricing shape is the fact to weigh. We look at it beside Splid in Splid and Settle Up alternatives.

7. Splid

Splid is a group expense app sold as a single in-app purchase of $3.99, with no ads and no subscription. On 22 August 2026, its Android build had last been updated on 23 August 2025, twelve months earlier.

Our sources record nothing about edits, currencies, settling or export. A year without an Android update is the fact to check again before a group puts its history there.

8. Venmo Groups

Venmo Groups has run inside Venmo since 14 November 2023. It keeps running balances for up to 30 people and simplifies them. It works in the United States only, and everyone in the group needs a Venmo account.

That second fact is the wall. A friend in Lisbon or a visitor from Tokyo cannot join. Our sources say nothing about edits or export, and a US-only app leaves the currency question unasked.

9. Tab

Tab is a free group expense app whose business model we could not find published. Its Android build has not been updated since May 2023, more than three years before we checked.

An app with no stated way to pay for itself is worth weighing before a group stores years of bills there. Our sources record nothing about edits, currencies, settling or export.

10. Kittysplit

Kittysplit has been free since about 2011, roughly fifteen years, with no visible business model. That is the whole of what our sources record about it.

With nothing known against four of the five tests, it ranks last on this page. Read that as missing evidence and test it with one real bill before you rely on it.

What each one costs, as of August 2026

Prices move, so these are dated. Every figure for another app comes from a store listing, a company page or a public post, as read on 22 August 2026. Dimesum's ledger costs nothing and has no per-day bill cap.

Three things people try before they switch

Switching is a committee decision. Four to ten people have to move at once, and committees default to staying put. So most groups try something else first.

The Splitwise Card

The Splitwise Card is a Mastercard debit card issued by Coastal Community Bank that splits each purchase at the point of sale. Splitwise's own page says it adds unlimited expenses with no Pro subscription required. The card and Splitwise Pay both come from that bank, and Splitwise Pay is US-only, with an instant withdrawal costing 1.75%, a minimum of $0.25 and a maximum of $25.

For a group outside the United States, that rules the wallet out. For a US group, it means opening a card account with a bank to avoid the cap.

A spreadsheet

The observed escape from the cap is not another app. It is going back to a shared sheet. That works for one flat with one currency, and it stops working at the first edit nobody can trace. We draw the line in spreadsheet or app for shared expenses.

Apple's receipt split

Apple announced receipt splitting with Apple Cash on 1 June 2026, shipping with iOS 27. You scan a receipt, assign the items, and the tax and tip are shared out. It works per receipt, in the United States, on Apple devices, and keeps no running balance between bills. Our page on apps that split a bill by item covers that case.

Stay where you are if one of these is true

Not every group should move. Each condition below is a fact about your group, and if one holds, staying costs you less than switching.

• Everyone in your group already pays for Pro. The cap and the ads are gone for all of you, and moving buys nothing on that front.
• Your group logs fewer than 4 bills a day, the free allowance Splitwise documents. A flat that enters rent and a grocery run each week will rarely meet it.
• Your group is in the United States and pays mostly with one Splitwise Card. Splitwise says the card adds unlimited expenses without Pro.
• Years of history matter more than the cap, and nobody will export it. The Splitwise API terms forbid apps that compete with Splitwise, and the JSON backup is a Pro feature, so the history moves only when a member exports it.

Moving a group off Splitwise takes one evening

The history is the real lock-in, and the export is yours to run. A member exports the group from Splitwise as a spreadsheet. Then an AI assistant with a Dimesum key reads that file and adds every bill with its date, payer and split, through the Dimesum API or its MCP server. The steps, with the prompt, are in how to move your group off Splitwise.

Anyone in the file who has no Dimesum account becomes a kept place, holding their balance until they claim it. The friend who will not install anything can still take a seat from a link or a QR code, which we cover in splitting a bill with someone without the app. For a trip in several currencies, read multi-currency expense splitting apps and the best apps to split travel expenses before you choose.