7 Best Splitwise Alternatives in 2026 (No Daily Limits)

Splitwise was the gold standard for group expense splitting—until they introduced daily expense limits, unskippable ads with cooldown timers, and paywalled essential features like search and receipt scanning.

The free tier, once genuinely useful, became frustrating enough that users are leaving in droves. Reddit threads and Twitter are full of people asking: "What's a good Splitwise alternative?"

This guide covers 7 alternatives we tested, with an honest breakdown of what's free, what's paid, and which one might work best for your group.

Why People Are Leaving Splitwise

Splitwise built a genuinely great product. But the free tier has degraded significantly:

• 3-5 expenses per day limit on free accounts
• Unskippable video ads with a 10-second cooldown between actions
• Search is now Pro-only (can't find old expenses without upgrading)
• Receipt scanning is Pro-only (was previously free)
• Currency conversion is Pro-only (critical for international trips)
• Pro costs ~$40/year (varies by country)

To be clear: Splitwise needs revenue, and building software isn't free. But the free tier became barely usable for active trips. If you're on a week-long vacation and can only log 3 expenses per day, you're either upgrading or switching apps.

What to Look for in an Alternative

Based on what users actually need, here are the key criteria:

• Unlimited expenses — No daily caps or artificial restrictions
• No forced app downloads — Not everyone wants another app on their phone
• Receipt scanning / itemization — For splitting complex bills
• Settlement optimization — Minimize the number of payments needed
• Free tier that's actually usable — Not a 7-day trial disguised as "free"
• Multi-currency support — Critical for international trips

No app will check every box, but these are the features that matter most.

The 7 Best Alternatives

1. PartyTab — Best for groups who don't want to download an app

What it is: Web-based expense splitter with no app download required. You create a tab, share the link, and everyone can join and log expenses from their browser.

Best for: Groups where not everyone wants to download yet another app. Also great for one-off trips where you don't need a permanent account.

Pricing: Free tier with unlimited expenses. Pro ($4.99/month) adds AI receipt scanning (15/month) and automated payment reminders.

Pros:

• No app download needed—works in any browser
• Unlimited expenses on free tier
• AI-powered receipt scanning with item-level claiming (Pro)
• Settlement optimization (fewest possible payments)
• Clean, modern interface

Cons:

• No native mobile app (web-only for now)
• Receipt scanning limited to 15/month on Pro tier
• No multi-currency support yet

Verdict: Best if your group hates downloading apps. The "send a link, everyone joins" flow is uniquely frictionless. Receipt scanning quality is excellent (powered by Claude AI), but it's Pro-only.

2. Tricount — Best fully-free option

What it is: Long-standing expense splitter that recently made their entire product free (they deprecated their Premium plan).

Best for: Groups who want zero cost and don't need advanced features like receipt scanning.

Pricing: Free (permanently—they removed paid tiers).

Pros:

• 100% free with no artificial limits
• Multi-currency support with real-time exchange rates
• Offline mode
• Established user base (17M+ users)

Cons:

• No receipt scanning
• No itemized splitting (can't claim individual items from a bill)
• Requires app download (no web version)

Verdict: If you want zero cost and don't need receipt scanning or itemization, Tricount is rock-solid. The fact that they went fully free is a strong signal of sustainability.

3. Splid — Best for simplicity

What it is: Minimalist expense splitter focused on speed and ease of use.

Best for: Quick one-off trips where you just need basic tracking without bells and whistles.

Pricing: Free with ads. One-time $4.99 payment removes ads and unlocks multiple groups + Excel export.

Pros:

• Clean, minimal UI—very easy to learn
• No signup needed
• Works offline
• 150+ currencies supported

Cons:

• No receipt scanning
• No tax/tip handling
• Limited splitting options (equal or custom amounts, no percentages)

Verdict: Perfect for a quick weekend trip where you just need basic expense tracking. The $4.99 one-time unlock is reasonable if you use it regularly.

4. Settle Up — Best for multi-platform

What it is: Cross-platform expense splitter with apps for Android, iOS, Windows, and web.

Best for: Groups with mixed device ecosystems who want native apps everywhere.

Pricing: Free tier available. Premium is $0.99/month or $11/year (removes ads, unlimited groups, cloud sync).

Pros:

• Native apps for Android, iOS, Windows, and web
• Voice assistant integration (Alexa, Google Assistant, Cortana)
• Can import data from Splitwise
• Offline mode with cloud sync
• Real-time exchange rates

Cons:

• Design feels dated compared to newer apps
• No payment app integration (can't link Venmo/PayPal/Zelle)
• Some users report sync issues between devices

Verdict: Great cross-platform coverage and the $11/year premium is affordable. But the UX lags behind more modern alternatives.

5. Spliit — Best for privacy / self-hosting

What it is: Free, open-source expense splitter that you can self-host or use via their hosted version.

Best for: Tech-savvy users who want full control of their data or prefer open-source software.

Pricing: Free and open source (MIT license). Self-hosting requires your own server/infrastructure.

Pros:

• Completely free and open source
• No account needed for basic use
• No ads, no tracking
• Multi-currency support
• Receipt scanning via GPT-4 Vision (requires OpenAI API key for self-hosted)
• Can self-host for full data control

Cons:

• Smaller community than Splitwise or Tricount
• Self-hosting requires technical knowledge
• Receipt scanning requires your own OpenAI API key if self-hosted

Verdict: The best option for developers or privacy-conscious users who want full control. The hosted version is perfectly fine for most people, but the self-hosting option is a nice escape hatch.

6. Splitser — Best for large groups

What it is: Established expense splitter (founded 2005) with a focus on large groups and international use.

Best for: Groups larger than 10 people, especially international groups.

Pricing: Free with ads. Premium removes ads and adds priority support.

Pros:

• Handles groups up to 150 members
• 150+ currencies with real-time exchange rates
• Can import from Splitwise
• Battle-tested (5M users over 20+ years)

Cons:

• Less well-known outside of the Netherlands
• UI not as modern as newer competitors
• No receipt scanning

Verdict: If you're managing a large group (think class trip, big reunion, corporate retreat), Splitser can handle the scale. But the interface shows its age.

7. Kittysplit — Best for absolute minimalists

What it is: Ultra-simple expense splitter with zero registration and zero features beyond the basics.

Best for: A single dinner or weekend where you just need to track who paid what and settle up once.

Pricing: Totally free.

Pros:

• Zero registration, zero download
• Create a "kitty," add expenses, share link—done
• Completely free, no ads
• Works in any browser

Cons:

• Very basic features (no receipt scanning, no itemization, no settlement optimization)
• No native app
• Not suitable for complex trips or ongoing expense tracking

Verdict: Like a shared spreadsheet but prettier. Good for splitting a single dinner check, not for a week-long trip. If you need any features beyond "who paid what," look elsewhere.

Quick Comparison Table

Here's how all 7 stack up across the features that matter most:

The Verdict

There's no single best Splitwise alternative—it depends on what matters most to your group:

• If you value no-download simplicity → PartyTab. Share a link, everyone joins from their browser, done.
• If you want fully free everything → Tricount. No paywalls, no limits, just works.
• If you're tech-savvy and privacy-conscious → Spliit. Open source, self-hostable, feature-rich.
• If you need cross-platform native apps → Settle Up or Splid. Both have solid mobile apps and web versions.
• If you're managing a large international group → Splitser. Handles 150 people and 150 currencies without breaking a sweat.
• If you just need to split one dinner → Kittysplit. Zero friction, zero features, zero cost.

The common thread? All 7 offer unlimited expenses—the feature Splitwise took away. Whether you want advanced features, multi-currency support, or just basic expense tracking, you have options that won't hit you with artificial daily limits.