Splitwise’s free plan lets you add up to 4 expenses a day; its paid Pro plan removes the limit and the ads. If you want a free replacement that works the same way, Tricount is the closest: free, with no ads and no daily expense cap. If you don’t want anyone in the group to install an app or create an account, a web tool such as Spliit, Kittysplit or Split the Cash works from a link. Below is what each one offers for free, checked on each tool’s own site or app store listing on 28 October 2026.
Split the Cash is this site. It is in the list because it suits one kind of split, and the comparison says where an app is the better choice.
What changed with Splitwise’s free plan
Splitwise’s help centre says free users can add up to 4 expenses each day (Splitwise). Splitwise Pro, the paid plan, adds unlimited expenses, currency conversion, receipt scanning and itemisation, search, charts by category and, in some countries, importing card transactions. Its Pro page also lists an ad-free experience (Splitwise Pro) but shows no prices. You need an account, on the web, iPhone or Android.
Four a day is plenty for a flat sharing a few bills. On a trip, where a group logs meals, taxis and tickets every day, it runs out fast. Splitwise’s own suggestion is to wait for the limit to reset or have a friend add expenses for you (Splitwise help).
What to look for in a free alternative
The best tool is the one everyone in the group will actually use. If one person refuses to install an app or create an account, someone ends up entering their costs for them. Check four things:
- Joining: can friends join from a link, without signing up?
- Settling up: does it show who pays whom, in as few payments as possible?
- Uneven splits: by shares, percentages or exact amounts, for the person who skipped dinner or has the bigger room.
- The free plan: no daily cap you will hit on a busy day, and the features you need not behind a paywall. Several currencies matter if you travel.
Before a trip, test it: add three or four real expenses, one of them split unevenly, and ask a friend to join from the link alone. If you hit a cap, a paywall or a forced sign-up, you have found out cheaply.
Free Splitwise alternatives at a glance
| Tool | Free version | Runs on |
|---|---|---|
| Tricount | Free, no ads, no daily cap | iPhone, Android |
| Settle Up | Free with ads; paid extras | Web, iPhone, Android |
| Splid | Free, no sign-up; paid extras | iPhone, Android |
| Spliit | Free, open source, no ads | Web |
| Kittysplit | Free basics; about €3 per group for extras | Web, iPhone, Android |
| Split the Cash | Free, no account, nothing stored | Web |
| Splitwise (for comparison) | 4 expenses a day, with ads | Web, iPhone, Android |
Plans and prices change often, so check the current terms before a big trip.
The alternatives in detail
Tricount: the closest free replacement
Tricount says it lets you record and split shared expenses for free, with no ads and no daily expense cap. You can record costs in different currencies and see the trip total in one, add expenses without a signal and sync later, and attach receipt photos (Tricount). Its paid Premium plan has been retired (Tricount). It is a phone app for iPhone and Android; its help pages don’t mention a web version. Tricount is part of bunq, a Dutch bank, which announced it was buying the app in 2022 (TechCrunch).
Best for: groups who liked Splitwise and want the same kind of running balance without paying.
Settle Up: apps plus a web version
Settle Up runs on Android, iPhone and the web, works offline and supports all currencies with exchange rates. Group members can see the balances in a browser from a shared link, without installing anything. The paid Premium version removes the ads and adds receipt photos, recurring expenses, categories, Excel export and statistics; the App Store listing doesn’t show its price (Settle Up on the App Store).
Best for: groups where some people want an app and others only a link.
Splid: no sign-up, many currencies
Splid is free to download, needs no sign-up, works offline and lets you choose from more than 150 currencies, converted automatically. Extras are in-app purchases: in the UK App Store, “Splid Plus” costs £3.99 and “2 Groups” £2.99. The listing doesn’t say what the free version limits (Splid on the App Store).
Best for: a trip abroad, where you want no accounts and several currencies.
Spliit: free and open source, in the browser
Spliit describes itself as a free and open source alternative to Splitwise. You can use the official site, spliit.app, or run your own copy. It splits expenses unevenly, has categories and search, and can create an expense by scanning a receipt. It has no ads and is paid for by donations (Spliit on GitHub, MIT licence). It needs no registration (AlternativeTo).
Best for: groups who want a web app with no accounts, and anyone who prefers open source.
Kittysplit: one link for the group
Kittysplit works in any browser and has apps for iPhone and Android. Nobody needs an account: you start a group (a “Kitty”) and send one link. The basics are free; groups of 10 or more people, several currencies or receipt uploads need a one-time upgrade of about €3 per Kitty (Kittysplit).
Best for: small groups who want everyone in with one link.
Split the Cash: one-off splits, no group to set up
Split the Cash is a set of free calculators in the browser. There is no account, and nothing you type is saved on a server: the result lives in the link you share. The settle-up calculator lists who pays whom after a trip, in a few transfers. Other calculators split a restaurant bill with tax and tip, a cost where not everyone can pay the same, a holiday rental by nights stayed and rent by room size.
What it doesn’t do: it doesn’t keep running balances over weeks or months, it works in one currency per calculation, and it doesn’t store receipts. For a flat that shares bills all year, one of the apps above is the better fit.
Best for: a single dinner, weekend or trip settled at the end, and splits where equal isn’t fair.
Try it: three friends paid for a dinner, a taxi and museum tickets. The calculator below shows who pays whom.
Which one to choose
- Shared costs all year (a flat, a couple): an app that keeps running balances. Tricount is free; Splitwise works too if you pay for Pro.
- A trip abroad: Tricount, Splid or Settle Up, which handle several currencies in their free versions. Kittysplit charges for several currencies.
- Nobody wants to install anything: Spliit, Kittysplit or Settle Up’s web version.
- One bill or one weekend, settled the same day: Split the Cash. There is no group to set up.
- Equal isn’t fair: someone has a budget, stayed fewer nights or has a bigger room. The Split the Cash calculators each handle one of these.
- A collection at work: no app at all. People give towards a gift rather than owe each other, so a list of who has given and a suggested amount is enough; see how to run a leaving collection.
Common questions
Is Tricount better than Splitwise?
For free users, it has fewer limits: no daily cap and no ads, against 4 expenses a day with ads on Splitwise’s free plan. Splitwise Pro has features Tricount’s features page doesn’t mention, such as receipt itemisation and importing card transactions, and Splitwise also works in a web browser.
Is Splid better than Splitwise?
It is simpler to start with: no sign-up, and it works offline with over 150 currencies. Its App Store listing doesn’t say what the free version limits, so check before relying on it for a long trip.
Is there a free Splitwise alternative online, without an app?
Yes. Spliit and Kittysplit run in the browser with no account, Settle Up has a web version, and Split the Cash’s calculators work in any browser.
Is there an open source Splitwise alternative?
Spliit is open source under the MIT licence. You can use the official site or host your own copy. Importing from Splitwise is listed on its GitHub page as a possible future feature, not something it does yet.
Is it safe to share a group by link?
With a link-based tool, anyone who has the link can usually see the group and often edit it, so share it only in your group chat, not publicly. A Split the Cash link carries the names and amounts inside it: anyone with the link can see them, but nothing is stored on a server for anyone to change.
Do these apps send the money?
They mainly work out who owes whom. You then pay by bank transfer, cash or a payment app. Check each tool’s own pages if you want payments inside the app.
How do I split expenses with friends without any app?
Keep a list of who paid what and who it was for, then settle once at the end. A shared spreadsheet works for a few costs: one row per expense with who paid, the amount and each person’s share. Each person’s balance is what they paid minus their share; a positive balance means they are owed money. A spreadsheet doesn’t work out the fewest payments for you; the settle-up calculator does. How to split travel costs with friends walks through a week away settled in three transfers.