The short answer
- Free Splitwise users can add up to 4 expenses a day, according to Splitwise's own help centre (checked 25 September 2026). Splitwise Pro removes the cap and adds search, currency conversion, receipt scanning and charts.
- Apps like Splitwise that do the same "who owes whom" job: Tricount (free, no expense cap, owned by the bank bunq), Settle Up (free with ads), Splid (one-off in-app purchases) and Spliit (free, open source, no account).
- If your group lives together or you're a couple, you may want a shared budget rather than an IOU list: a spreadsheet or a shared budgeting app such as Binome360, which does not calculate who owes whom.
- Before switching, settle up and export. Splitwise lets you export each group or friendship to a spreadsheet from the app or the website.
Why people look for a Splitwise alternative
Splitwise is free on iPhone, Android and the web, and has been the default bill-splitting app for many groups. What changed is the free tier.
Splitwise's help centre says the company "has introduced a daily expense limit" for free users, and its Pro page spells out the number: free users "can add up to 4 expenses each day". The help article gives three ways around it: subscribe to Pro, wait for the limit to reset, or ask a friend to add the expense and set you as the payer. Splitwise says the limit exists to keep the service financially sustainable without selling data.
Other features sit behind Pro too: receipt scanning and itemisation, currency conversion at the day's exchange rate, charts by category, expense search, default splits and, in select countries, importing card transactions. Pro comes as a monthly plan for one person, an annual plan for one person or an annual "Duo" plan for two, with yearly plans including a 30-day Trip Pass that gives Pro features to a whole trip group.
Splitwise doesn't publish a single price. Its terms say the price "may vary due to date of subscription, country, local taxes and regulations, promotions". On the US App Store, Splitwise Pro in-app purchases were listed from $2.99 to $39.99 at the time of writing.
None of this makes Splitwise a bad choice. Four expenses a day is plenty for a flat that logs rent and a weekly shop. It is tight on a group trip where six people pay for taxis, meals and tickets all day.
What to check before you switch
| What to check | Why it matters | Question to ask |
|---|---|---|
| Free-tier limits | Daily caps, ads or group limits decide whether you'll end up paying | Can we log a busy travel day without paying? |
| Sign-up for friends | Every account you ask people to create is a reason for them not to join | Can someone join from a link without registering? |
| Offline and currencies | Abroad, you log expenses on a mountain or in a metro | Does it work offline, with several currencies? |
| Uneven splits | Couples, kids, the friend who doesn't drink | Can we split by shares, percentages or exact amounts? |
| Export | For a long-term flat share, the history is your record | Can I download a file myself, any time? |
| Who runs it | A bank, a small studio, a volunteer project | Am I comfortable with how the app makes money? |
Free-tier limits
Why it mattersDaily caps, ads or group limits decide whether you'll end up paying
Question to askCan we log a busy travel day without paying?
Sign-up for friends
Why it mattersEvery account you ask people to create is a reason for them not to join
Question to askCan someone join from a link without registering?
Offline and currencies
Why it mattersAbroad, you log expenses on a mountain or in a metro
Question to askDoes it work offline, with several currencies?
Uneven splits
Why it mattersCouples, kids, the friend who doesn't drink
Question to askCan we split by shares, percentages or exact amounts?
Export
Why it mattersFor a long-term flat share, the history is your record
Question to askCan I download a file myself, any time?
Who runs it
Why it mattersA bank, a small studio, a volunteer project
Question to askAm I comfortable with how the app makes money?
- Settle every open balance, or agree the amounts in writing
- Export each group and friendship to a spreadsheet
- Screenshot the final balances screen as a backup
- Pick a start date for the new app and tell everyone
- Keep your Splitwise account until the new group is working
If you want the same thing, without a daily cap
These apps do the core Splitwise job: everyone adds what they paid, the app works out who owes whom. Prices come from the US App Store (in US dollars) or the makers' own sites, checked on 25 September 2026, and may differ where you live.
Tricount. Founded in 2012 and bought by the Dutch digital bank bunq, which announced the deal on 3 May 2022. Its App Store listing says it is free, with "no subscription, no hidden fees, no limit on tricounts or expenses", works offline, handles multiple currencies and unlimited participants. Its Google Play listing adds "no ads". Two things to know: the former Tricount Premium plan was discontinued, and with it CSV and PDF export and the personal mode (the FAQ says to email bunq's support for an export). And the app links to bunq accounts and promotes bunq's card, which some people like and others don't.
Settle Up. On Android, iPhone and as a web app. The free version has no transaction limit, handles multiple currencies, works offline and exports to CSV, but shows ads. Premium ($3.99 a month or $19.99 a year on the US App Store) removes ads and adds receipt photos, categories, recurring expenses and Excel export. You can give members a weight, so a couple counts as 2 and a single person as 1.
Splid. On iPhone and Android, with no sign-up, offline use, more than 150 currencies and PDF or Excel summaries. The App Store lists one-off purchases (Splid Plus at $3.99, extra groups at $2.99) rather than a subscription.
Spliit. A free, open-source web app with no account, no ads and no limits, funded by donations through Open Collective. It supports recurring expenses, categories, receipt attachments and splits by percentage, shares or amount, and there is an iPhone app too. Because the code is public, a technically minded group can host its own copy.
If you want a shared budget, not an IOU list
Splitwise answers "who owes whom?". A couple or a long-term household often has a different question: "how much did we spend on groceries this month, and is there enough left for the holiday?". For that, a bill splitter is the wrong tool. If you're a couple, our couples budget guide covers the three ways to organise shared money, and our guide to running a shared money pot shows how to set contributions, equal or income-based.
A shared spreadsheet. Google Sheets or Excel: one row per expense, a "paid by" column, a formula per person. Free, fully exportable, no limits. The downside: typing on a phone is fiddly, and a broken formula gives wrong totals without telling you.
Binome360. This is our app, so here are its limits first. Binome360 does not work out who owes whom and does not settle debts between people: it is not a Splitwise replacement for a group trip. It doesn't connect to any bank or import statements, doesn't make payments or transfers, and isn't accounting software. It works in English and French.
What it does: you create a shared assistant for the household, couple or family, invite the others, and everyone logs spending from their own phone, in one sentence, by voice or by photographing a receipt. The assistant prepares the entry and nothing is saved until you confirm. You get per-category budgets, shared savings goals, totals per currency and recurring reminders, for example for the rent transfer on the 1st. It has a free 7-day trial, then costs $3.99 a month, $8.99 for 3 months or $23.99 a year on the web.
Costco run $142.60 paid from the house fund, and Dani paid $38 for the internet bill
Ready: two expenses in "Elm Street house". Save them?
Your assistant prepares the entries; nothing is saved until you confirm. Everyone in the house sees the same list.
Try Binome360 for freeHow to switch from Splitwise
- Settle up first. Pay or agree every open balance. A group at zero has nothing to carry over.
- Export your history. In the mobile app, open the group or friendship, scroll the menu at the top to the right and tap "Export". On the website, open the group, click the gear icon and choose "Export Spreadsheet". You get one row per expense with each person's share.
- Start the new group on a clear date, such as the 1st of the month, and put the date in the group name.
- Carry over only what's still owed, as one opening entry per person, if anything is left.
- Send one link to everyone and agree a rule: shared payments are logged the same day.
None of the alternatives above documents a direct import from Splitwise on the pages we checked, so plan to start from a clean balance and keep the spreadsheet as your archive.
Frequently asked questions
Is Splitwise still free?
Yes. The apps and website are free to use, but free accounts can add up to 4 expenses a day, according to Splitwise's help centre. Splitwise Pro removes the limit and adds features such as receipt scanning, search and currency conversion.
What is the best free alternative to Splitwise?
It depends on the group. Tricount is free with no expense cap and no ads, but is owned by a bank and no longer exports files from the app. Spliit is free, open source and needs no account. Settle Up has no cap but shows ads in the free version.
Can I import my Splitwise data into another app?
Splitwise lets you export each group or friendship to a spreadsheet. We didn't find a documented Splitwise import on the official pages of the alternatives listed here, so the simplest route is to settle up, keep the export as a record and start fresh.
Is there a Splitwise alternative for couples?
Bill splitters work for couples who keep separate money. If you'd rather run one shared budget, look at a joint account plus a shared budgeting app; our joint bank account guide explains what a joint account commits you to.
In short
Splitwise still does its job for free, but the 4-a-day cap makes busy trips awkward. Tricount, Settle Up, Splid and Spliit do the same thing with different free models, while a spreadsheet or a shared budgeting app fits households that want a budget rather than a list of debts. First step: settle your open balances and export each Splitwise group before you install anything.
Sources
- Splitwise help centre, "What is Splitwise Pro and who can use it?" (4 expenses a day for free users, Pro features, plan types, Trip Pass): kb.splitwise.com, checked 25 September 2026.
- Splitwise help centre, "Why am I seeing an expense limit?": feedback.splitwise.com, checked 25 September 2026.
- Splitwise, Terms of Service (Pro price may vary by date, country, taxes and promotions): splitwise.com/terms; Splitwise Pro page: splitwise.com/pro; export steps: kb.splitwise.com, checked 25 September 2026.
- Splitwise, US App Store listing (in-app purchase prices): apps.apple.com, checked 25 September 2026.
- bunq Newsroom, "bunq becomes second biggest neobank in EU" (Tricount acquisition, 3 May 2022): press.bunq.com; "Tricount tallies €16.4 billion shared in 2024" (founded in 2012): press.bunq.com, checked 25 September 2026.
- tricount by bunq, US App Store listing: apps.apple.com; Google Play listing: play.google.com; help centre, "What happened with tricount Premium?": help.tricount.com and "tricount FAQs": help.tricount.com, checked 25 September 2026.
- Step Up Labs, Settle Up, US App Store listing: apps.apple.com; website: settleup.io, checked 25 September 2026.
- Splid, US App Store listing: apps.apple.com, checked 25 September 2026.
- Spliit, official website: spliit.app, checked 25 September 2026.
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