Splitwise Alternatives (2026): 10 Bill Splitting Apps

Splitwise made shared bills less awkward for a lot of housemates, couples and travel groups. But it isn't the only way to keep track of who owes whom, and some groups want something simpler, something that works offline, or something nobody has to sign up for.

The ten apps below are listed alphabetically and in no particular order. Every description comes from the app's own App Store listing, read this week. If you're also weighing up how to send the money itself, my guide on whether Cash App is safe to use covers the transfer side.

Splitwise alternatives at a glance

I checked the free plan column on each app's own App Store listing, as of Oct 2026. Yes means the listing names a free app, a free version, a free tier or free content. Trial only means a time-limited trial. Not stated means the listing I read named neither, even where there's a download button, so check the app's own page before you sign up.

Tool	Type	Good for	Free plan
Kittysplit	Link-based group expense splitter	Splitting with no accounts at all	Yes
Settle Up	Group expense tracker	Trips that cross borders	Not stated
Splid	Offline group bill splitter	Holidays with patchy signal	Not stated
Spliit	Open source expense sharing app	Open source, sign-up free groups	Yes
Split Pay Together	Bill splitting and collection app	Itemised splits and collecting payments	Not stated
SplitIt	Receipt-based bill splitter	Claiming items off one receipt	Not stated
Splitkaro	Personal and shared expense tracker	Tracking your own and shared spending together	Yes
Splits	Ad-free group expense tracker	A calm app with no ads or accounts	Yes
Splittr	Vacation and roommate expense app	Exporting a group's records	Not stated
tricount	Bill splitting app	Unlimited groups with no subscription	Yes

Ten bill splitting apps worth a look

Kittysplit

Best for: Groups where nobody wants another account, since friends open one event link in any browser and add what they spent without a password.

Settle Up

Best for: Travellers who split spending across countries and want groups that handle foreign money, with the app working out who owes whom at the end.

Splid

Best for: Holidays and housemates where signal comes and goes, because Splid works offline and shows who owes how much to whom.

Spliit

Best for: People who like open source tools, with groups shared by link, no sign-up for anyone, and the code published for anyone to check.

Split Pay Together

Best for: Organisers who'd rather split a receipt item by item and collect everyone's share in the app than chase friends by message afterwards.

SplitIt

Best for: Restaurant nights and group shops, where you upload a receipt and each person claims the items they had before anyone settles up.

Splitkaro

Best for: Anyone who wants personal spending and shared bills in one place, with unlimited expenses, members and groups on the free version.

Splits

Best for: Flatmates and travel groups who want a quiet, ad-free tracker that signs you in through your iPhone with no email or password.

Splittr

Best for: Holiday groups and roommates who'd like PDF and CSV exports of the group's spending, with no registration needed to start.

tricount

Best for: Couples, roomies and friends who want unlimited group splitting with no subscription, from an app with millions of users worldwide.

Which app suits which group

• Nobody in the group wants another account: Kittysplit.
• You're travelling across several countries: Settle Up.
• You like open source tools: Spliit.
• You want your own spending tracked too: Splitkaro.
• You share one big restaurant receipt: SplitIt.

Splitting the bill is not the same as paying it

Every app on this list keeps a running record of who spent what and who owes whom. Most of them don't move any money at all. When it's time to settle up, someone still sends a bank transfer or uses a payment app, and that step is where things can go wrong.

A Pew Research Center survey of 6,034 U.S. adults in 2022 found that 76% had used at least one of PayPal, Venmo, Zelle or Cash App. It also found that 13% of people who'd used them said they'd sent someone money and later realised it was a scam. So check the name and account before you pay back a friend, especially if the request arrives by a link you weren't expecting.

Sharing a flat? Finding the place is covered in rental search apps.

Questions to ask before your group switches

1. Does everyone need an account, or can friends join from a link?
2. Does it work offline, for trips where the signal drops?
3. Can it handle spending in more than one country's money?
4. Can you split a receipt by item, or only evenly or by share?
5. Can you export the group's records if you need them later?

Splitting bills keeps shared costs fair, and coupon and cash back apps are another way to save; see Honey alternatives.

How to move a group without losing track

Settle the old group first, so everyone starts at zero. Then create the new group, add one or two shared bills to test it, and only invite everyone once you're happy with how it works. Moving halfway through a holiday is how amounts get counted twice.

For housemates, set a regular day to settle up, whether that's the end of each month or when the bills arrive. Small balances are easy to clear. Months of them become the argument every app here is trying to stop.

Do you make bill splitting, shared expense or group payment apps? Tool makers can ask to be considered for a featured place on this list.

My plain advice on choosing a Splitwise alternative

Pick the app that matches your group's laziest member. If someone won't install anything, go for a link-based app. If you travel a lot, choose one that handles foreign money. And whichever app you use, pay each other back through a method you already trust, then mark the debt as settled straight away.

If shared bills are part of running a small business with a partner, my guide to paying bills online safely is worth a read too.

Want your tool on this list? Featured spots and reviews here are paid partnerships. Here's how to partner with me.

Frequently asked questions

What is the best alternative to Splitwise?

It depends on your group. Link-based apps suit people who won't sign up, apps that handle foreign money suit travellers, and receipt-based apps suit restaurant nights.

Is there a free app like Splitwise?

Yes. Several apps on this list name a free version or free use on their listing, so check the free plan column before you choose.

Can I split bills without everyone downloading an app?

Some apps let friends open one shared link in a browser and add expenses with no account or password.

Do bill splitting apps send the money for you?

Most don't. They track who owes whom, and you settle up separately by bank transfer or a payment app.

Which bill splitting app works offline?

At least one app here says it works on and offline, which helps on trips with patchy signal.

How do I avoid scams when paying friends back?

Check the name and account before you send money, and be wary of payment requests from links you weren't expecting.