Best Splitwise Alternatives in 2026: 9 Options Compared (Free + Paid)

Splitwise popularised shared-expense tracking, and for good reason - it's polished and widely known. But its free tier now carries ads and limits some features. Splitwise Pro, often listed around $5/month in the US, unlocks ad-free use, receipt scanning, charts, and currency conversion. That's reasonable for power users, yet many groups just need a simple way to log who paid what and see who owes whom. The alternatives below do exactly that - most completely free.

OweMeter is built for people who want to split a bill right now without downloading a native app. Sign up for free, create your group, add expenses, and share the link. Everyone sees balances update in real time. It supports multi-currency selection so you can tag expenses in different currencies - handy for mixed-currency trips. It works as a web app, which means you can access it from any device with a web browser. There are no native App Store or Play Store apps, but the web app experience is smooth and lightweight. OweMeter is completely free - no ads, no premium tier, no limits on group size. OweMeter includes multi-currency support with built-in conversion using daily ECB rates.

Spliit is an open-source expense splitter you can use at spliit.app or self-host from GitHub. No sign-up needed - create a group, share the link, done. It's deliberately minimal: add expenses, see balances, get optimised settlement suggestions. The trade-off is fewer features - no multi-currency support, no offline mode, no mobile app. But if you value transparency and privacy (you can read every line of code), Spliit is hard to beat.

Tricount is widely used across Europe, with native iOS and Android apps and a clean interface. It handles multi-currency expenses and works offline. The free tier shows ads; a premium upgrade removes them and adds features like receipt photos. Tricount requires account creation, but you can invite members by link. It's a solid pick if your group wants a polished native app experience.

Settle Up is one of the most feature-complete alternatives. It supports multi-currency with automatic exchange-rate conversion, receipt scanning (OCR), debt simplification, and offline sync. Available on iOS, Android, and the web. The free tier includes ads; premium removes them and unlocks extra features. If you need something closest to Splitwise Pro's functionality without paying Splitwise Pro's price, Settle Up is worth a look.

Splid (also known as Splidapp) offers native iOS and Android apps without requiring sign-up. Create a group offline, add expenses, and sync when you're ready. It supports multiple currencies and has a clean, intuitive interface. The free version has ads; Splid Pro removes them. It's a great choice for groups who want the convenience of a native app but don't want to create accounts.

KittySplit is a no-sign-up web tool for one-off splits. Create an event, add expenses, share the link. It supports multiple currencies and keeps things dead simple. There are no apps and no offline mode - it's purely a browser tool. Perfect for a single trip or dinner where you don't need ongoing tracking.

Splitser is another no-account-needed web tool. It supports multi-currency expenses and generates shareable links. Like KittySplit, it's best for one-off events rather than ongoing household tracking. Simple, free, no clutter.

Splital lets you create groups and split expenses without sign-up. It focuses on speed and simplicity. It's free to use and available on the web - check splital.com for the latest on platform availability.

SquadTrip is designed specifically for travel groups. Beyond expense splitting, it offers trip planning features like itineraries and to-do lists. It supports multi-currency and has native iOS and Android apps. A premium tier unlocks additional features. If your main use case is group travel, SquadTrip combines planning and payments in one place.

• Quickest setup, no app needed → OweMeter or Kittysplit
• Privacy-first, self-hostable → Spliit
• Best native app experience → Tricount or Splid
• Most features (OCR, FX) → Settle Up
• Group travel with planning → SquadTrip
• Just splitting one dinner → Kittysplit or Splitser
• Multi-currency support with built-in conversion using daily ECB rates.