Free Splitwise Alternatives Worth Trying
Splitwise made expense splitting mainstream, and many people still use it happily. But apps change their plans and limits over time, groups outgrow free tiers, and some people simply want something different. Instead of a ranking, this guide lists what to check before you move a group to any expense-splitting app, so the switch is worth the effort.
Why people look for an alternative
The reasons are usually practical: limits on how much you can use the free version, ads, missing split types, a language or currency that is not supported, or wanting to track personal spending as well as group costs. If one of these sounds familiar, it is worth comparing options. If the app you have works for your group, there is no need to change.
Check the limits of the free plan
Read what the free plan really includes before you invite everyone: the number of expenses per day or in total, the number of groups and members, and which features sit behind a subscription. Also find out what happens when you reach a limit, and whether your history stays available. A limit you hit in month three is more annoying than one you knew about on day one.
Look at how it splits
Equal shares are only the start. Real groups need splits by percentage, by exact amounts, by days present (when someone joins a trip halfway) and, for restaurant bills, by item. Recurring expenses matter too: rent should not have to be typed in every month, so look for an app that adds it by itself.
Currencies, trips and guests
On a trip you want to enter an expense in the local currency and still see one total. Check how the app converts, and whether it uses the rate of the day or a rate you set. It also helps when a person without the app can still be part of the group, so one friend who refuses to install anything does not break the whole system.
Settling up: does the app move money?
Some apps only record who owes whom, while others move money themselves. An app that only records is simpler and leaves your payments in the bank or wallet you already use, but it should make paying easy, for example with a payment QR code or a link to the method you prefer. Decide which approach you are comfortable with.
Moving your data over
Switching is easier if you can bring the history with you. Splitido can import a group from a Splitwise export (the CSV file you get from the group's settings), so the balances stay the same and you do not start from zero. Whatever app you move to, check how the import works before you commit your whole group to it.
Where Splitido fits
Splitido's free plan has no limit on expenses or members. It splits equally, by percentage or by days present, adds recurring expenses automatically, handles trips in many currencies and lets you do a quick one-off split without creating a group. It works in ten languages, in the browser and as an app, with dark mode. To be clear about the limits: the free plan includes one flat and one trip, and more groups, receipt scanning, whole-year exports and automatic currency conversion are part of Splitido Pro. No money ever moves through Splitido itself.
General, practical tips — not financial or legal advice.
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