For years, Splitwise was the default answer to splitting group expenses. But what was once a completely free app is a freemium product today: the free version caps you at roughly 3 to 5 entries per day (depending on your account) and shows ads. Removing the limits costs $4.99 per month for Splitwise Pro (as of July 2026), which lands near $60 a year on the monthly plan.
No surprise that many users are looking for a Splitwise alternative. The good news: several apps split expenses without any daily limit, some of them completely free. In this comparison we look at the four best alternatives and say honestly which app fits which situation.
Why look for a Splitwise alternative?
Splitwise does the core job well: enter expenses, calculate balances, settle debts. Still, the most common reasons for switching are quickly listed:
The daily limit. If you want to log the pharmacy run and the coffee after the grocery trip, the free version cuts you off fast. For active roommates and couples who record several expenses a day, this is the biggest everyday annoyance.
Ads in the free version. The free tier shows ads, which is not just annoying; it also raises the question of where your usage data flows.
No budget tracking. Splitwise splits costs, nothing more. If you also want to know where the shared money actually goes, or set monthly category budgets, you need a second app.
Privacy. Splitwise is a US company with ad-financed free accounts. If you prefer GDPR-grade data handling or local-only storage, other apps are the more relaxed choice.
The 4 best Splitwise alternatives at a glance
All four candidates split expenses without a daily limit. The differences are in budgeting features, ads, platforms, and data handling:
| Criteria | GoodShare | Splid | Tricount | Settle Up |
|---|---|---|---|---|
| Unlimited entries | ✓ | ✓ | ✓ | ✓ |
| Ad-free on the free tier | ✓ | ✓ | ✗ (bunq ads) | ✗ (ads) |
| Budget tracking & statistics | ✓ incl. Sankey chart | ✗ | ✗ (discontinued) | partial (Premium) |
| Receipt scanning | ✓ AI scan | ✗ | ✓ OCR | receipt photos (Premium) |
| Platforms | Android | Android, iOS | Android, iOS, Web | Android, iOS, Web |
| Origin & data handling | Germany, EU servers | Germany, local option | Belgium (bunq) | Czech Republic |
| Cost | free, Premium from $2.50/mo | free, ~$4.99 one-time unlock | free | free, Premium from $18.99/yr |
All prices were checked in July 2026 and may change. Splitwise Pro costs $4.99 per month, Settle Up Premium $3.49 per month or $18.99 per year, Splid's one-time unlock for multiple groups and export is about $4.99. GoodShare Premium starts from $2.50 per month or $19.99 per year, including a 14-day free trial.
GoodShare: expense splitting plus a shared budget book
GoodShare goes one step further than pure splitting apps: it combines expense splitting with a full shared budget book. Everyone in a shared book adds expenses and income, the app syncs in real time, automatically calculates who owes whom, and additionally shows where the money actually goes: with categories, monthly budgets, statistics, and a Sankey chart for your cash flow.
For Splitwise switchers, three points matter most: there is no daily limit, the app is completely ad-free (including the free tier), and receipts can be photographed with the AI receipt scanner instead of typed in. Data lives on EU servers in Frankfurt, GDPR compliant, and no bank linking is required. Advanced features like unlimited categories, multiple savings goals, or custom transaction splits sit in the Premium plan from $2.50 per month, with a 14-day free trial. A nice touch: if one member has Premium, everyone in the shared book benefits.
The honest limitation: GoodShare is currently Android-only. Mixed iPhone-Android groups are better served by Splid or Tricount. For Android households that run an ongoing shared kitty, GoodShare is the most complete Splitwise alternative on this list. For a detailed head-to-head, see GoodShare vs. Splitwise.
Splid: minimalist, offline, no account
Splid is the pocket knife for one-off occasions. The German app does exactly one thing and does it well: record expenses in a group and calculate balances. It needs neither a registration nor an internet connection; groups can live entirely locally on your device.
Splid is completely free and ad-free. The free version is limited to one group; multiple groups and export (Excel, PDF) cost a one-time unlock of about $4.99, a fair model with no subscription at all. Its limits appear as soon as you want more than splitting: there are no budgets, no categories, no statistics, and no receipt scanner. Ideal for the ski weekend settlement, too little for a household kitty that runs month after month.
Tricount: the travel classic from the bunq ecosystem
Tricount from Belgium claims over 17 million users and is especially popular with travel groups: a web app, over 150 currencies, an OCR receipt scanner, and an offline mode cover the vacation use case well. No account is needed.
Since 2022, Tricount belongs to the Dutch neobank bunq, and it shows: the app carries bunq cross-promotion, and the former premium model was discontinued, which removed features like export and statistics. That a bank holds detailed spending data of millions of users is at least worth a thought for privacy-minded users. Budget tracking is not offered.
Settle Up: the multi-platform all-rounder
Settle Up from the Czech Republic runs on Android, iOS, and in the browser, making it the most flexible pick for mixed-device groups. The free version splits expenses without limits but shows ads. Features like receipt photos, categories, recurring expenses, and Excel export sit in the Premium plan ($3.49 per month or $18.99 per year, as of July 2026).
That makes Settle Up something like a smaller Splitwise without the daily limit: solid core features for free, the extras cost money. It does not replace a full budget book with category budgets.
Which alternative fits whom?
The short decision guide, honestly sorted by use case:
Couples, roommates, and families with an ongoing kitty (Android): GoodShare. Expense splitting and a budget book in one app, no limits, no ads, EU-grade privacy. Our guides on tracking roommate expenses and the family budget show what that looks like in practice.
One-off occasions (birthdays, ski weekends): Splid. Ready in 30 seconds, no account, completely free.
Group trips with mixed devices: Tricount or Settle Up, both with a web app. If you would rather run the vacation kitty with a budget attached, the guide on splitting travel costs walks through the setup with GoodShare.
If you want to stay with Splitwise: that is legitimate too, especially for the Venmo and PayPal integrations in the US. But then there is hardly a way around Splitwise Pro at $4.99 per month.
How to switch from Splitwise
The move is simpler than most people think, because splitting apps do not have a data import problem: you do not need to migrate old settlements, only the open balances. Three steps:
1. Settle open balances. Pay off all open amounts in Splitwise (or note the remaining balances and enter them as a starting entry in the new app).
2. Export your history. Splitwise offers a CSV export per group. Download it once and archive it; your history is safe.
3. Create the new kitty and invite everyone. In GoodShare, for example: create a shared book, share the invite link via WhatsApp or any messenger, done. From the first entry on, the new app calculates the settlement automatically.
The best time to switch is right after a full settlement, for example at the end of the month or after a trip. Everyone starts at zero and nobody has to reconcile old debts across two apps.
Frequently Asked Questions
What is the best free Splitwise alternative?
It depends on the use case. For ongoing shared finances (couples, roommates, families) GoodShare is the strongest free alternative: unlimited entries, no ads, and budget tracking on top. For one-off occasions like a group trip, Splid (minimalist, no account needed) or Tricount (with a web app) are enough. None of the three has a daily entry limit.
Why does Splitwise limit free users?
Splitwise is a freemium product: the free version is capped at a handful of entries per day (roughly 3 to 5 depending on the account) and shows ads. Removing the limits requires Splitwise Pro at $4.99 per month (as of July 2026). That funds the app, but makes the free version impractical for active groups.
Which Splitwise alternative is best for privacy?
GoodShare stores data on EU servers in Frankfurt, is GDPR compliant, shows no ads and does not sell personal data; no bank linking is required. Splid can keep groups entirely local on your device. Tricount is owned by the bank bunq, which is worth knowing if you prefer your spending data to stay away from financial institutions.
Can I move my Splitwise data to another app?
None of the alternatives offers a direct import. The cleanest way: settle all open balances in Splitwise, export the history as a CSV for your records, then start fresh in the new app. The switch takes about 15 minutes and nothing is lost.
Ready to switch?
GoodShare splits expenses with no daily limit and no ads, with budget tracking and EU-grade privacy on top. Set up in 5 minutes.
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