Splitwise has long been the go-to app for splitting bills and tracking shared expenses among friends, roommates, and travel companions. However, recent changes to the platform have left many users worldwide searching for alternatives. In late 2023, Splitwise introduced significant restrictions on its free tier, limiting users to just 3-4 expenses per day and adding 10-second ads between transactions. Essential features like expense search, currency conversion, and detailed spending charts are now locked behind a premium subscription that costs several dollars per month.
For casual users who only need expense tracking during occasional trips or monthly roommate bill splits, these limitations make the free version nearly unusable. Even long-time users who've relied on Splitwise for years are frustrated by the sudden paywall that forces them to either pay up or find an alternative.
If you're among the many users looking to switch, you're in the right place. This comprehensive guide explores the 10 best Splitwise alternatives in 2025, starting with an innovative solution that reimagines how we think about expense sharing.
1. Zedger App : Smart Expense Sharing with Context-Based Organization
Best For: Customizable book types, flexible splits, family and business expense tracking, global users
Pricing: Free with premium features available
Zedger is a revolutionary expense-sharing app that addresses the core limitations of Splitwise while introducing innovative features that match real-world scenarios. What sets Zedger apart is its unique approach to organizing expenses through specialized "book types" that reflect how people actually share money in different contexts.
Key Features:
Multiple Book Types for Different Scenarios
- Trip Books: Perfect for vacation expense tracking with friends, allowing you to manage everything from hotel bookings to shared meals and transportation
- Family Books: Designed for household expense management, ideal for tracking shared family costs, groceries, utilities, and regular household bills
- Business Books: Tailored for business expense tracking, perfect for small teams, startups, or freelancers managing project costs and client expenses
- Custom Books: Create your own categories for any unique expense-sharing situation, from book clubs to sports teams
No Artificial Limitations Unlike Splitwise's restrictive free tier, Zedger offers:
- Unlimited expense entries per day - Track as many transactions as you need without daily limits
- No transaction cooldown periods - Add expenses instantly without forced waiting times
- No ads interrupting your workflow - Focus on managing expenses without constant interruptions
- Complete access to core features - No essential features locked behind paywalls
Smart Expense Management
- Split expenses equally or unequally with customizable shares and percentages
- Support for multiple currencies with automatic conversion for international trips
- Add detailed descriptions, categories, and notes to every expense
- Real-time synchronization across all group members
- Intelligent debt settlement calculations that minimize the number of transactions needed
- Expense categorization for better tracking and insights
Flexible Payment Integration
- Support for various payment methods including UPI (for users in India), bank transfers, and cash
- Integrated payment gateway options for seamless settlements
- Track payment status and send payment reminders
User-Friendly Design
- Clean, intuitive interface that requires minimal learning curve
- Quick expense entry process with smart defaults
- Easy group creation and member management
- Visual dashboards showing spending trends and patterns
- Export functionality for record-keeping and tax purposes
Why Choose Zedger Over Splitwise?
Freedom from Restrictions: While Splitwise limits free users to 3-4 daily transactions, Zedger offers unlimited expense tracking without hidden limitations or surprise paywalls.
Contextual Organization: Instead of throwing all your expenses into generic groups, Zedger's book types help you naturally organize expenses by context—whether it's a weekend trip with college friends, monthly household bills with roommates, or business expenses with colleagues.
Built for the Future: Zedger is actively developed with regular updates and new features based on user feedback, ensuring it evolves with your needs rather than restricting access to force upgrades.
Global Compatibility: While offering localized payment options where available, Zedger works seamlessly for users worldwide with multi-currency support and international transaction handling.
2. Spliit: The Open-Source Champion
Best For: Privacy-conscious users, tech-savvy groups, self-hosting enthusiasts
Pricing: Completely free and open source
Spliit has emerged as the leading open-source alternative to Splitwise, offering users complete transparency and control over their data. Built as a response to Splitwise's increasingly restrictive free tier, Spliit guarantees that basic features will always remain free.
Key Features:
- Multi-currency support with real-time exchange rates
- Unequal expense splits with custom percentages
- Receipt upload functionality
- Import from Splitwise (CSV)
- Progressive Web App (PWA) functionality - works offline
- Self-hosting option for complete data control
- No ads, no tracking, no data mining
- Active open-source community
Why Choose Spliit?
The biggest advantage of Spliit is its open-source nature. If the hosted version ever introduces limitations, you can run your own instance. This guarantees long-term usability without fear of sudden paywalls or feature restrictions.
Drawbacks: Limited mobile app experience compared to native apps, fewer advanced features than paid alternatives.
3. Splitser: The European Favorite
Best For: Large groups, European users, feature-rich free tier
Pricing: Free with optional premium features
Founded in 2005 in the Netherlands, Splitser has grown to serve over 5 million users worldwide. It's particularly popular in Europe and offers one of the most generous free tiers available.
Key Features:
- Support for up to 150 members per group
- 150+ currencies with mixed currency support
- Web and mobile app availability
- Direct import from Splitwise
- No daily transaction limits
- Clean, modern interface
- Expense categories and filtering
- Multiple group management
Why Choose Splitser?
Splitser positions itself as the direct answer to Splitwise's limitations, offering unlimited transactions and essential features for free. The large group support makes it ideal for big travel groups, extended family gatherings, or community organizations.
Drawbacks: Some advanced features require premium upgrade, less integrated payment options compared to region-specific apps.
4. Tricount: Simple and Effective
Best For: International travelers, quick trips, simple expense sharing
Pricing: Free with optional paid features
Tricount is extremely popular in Western Europe and known for its simplicity and user-friendly interface. It focuses on doing one thing well: splitting expenses without complications.
Key Features:
- Extremely simple interface
- No account required to use
- Multi-currency support with automatic conversion
- Offline functionality
- Works on web, iOS, and Android
- Share groups via simple links
- Balance simplification
- Export to PDF and Excel
Why Choose Tricount?
If you value simplicity over advanced features, Tricount is perfect. You can create a group and start tracking expenses in under a minute, with no mandatory sign-ups or complicated setup processes.
Drawbacks: Limited to basic splitting features, no recurring expenses, fewer customization options.
5. Settle Up: Feature-Rich Alternative
Best For: Users who want advanced features, voice assistant integration, recurring expenses
Pricing: Free with premium features available
Settle Up offers a comprehensive expense management solution with unique features like voice assistant integration and recurring payment tracking.
Key Features:
- Google Assistant, Alexa, and Cortana integration
- Recurring payment management
- Income tracking alongside expenses
- Multiple currencies with conversion
- CSV export functionality
- Web, iOS, and Android support
- Clean, intuitive UI
- Import from other expense apps
- Default members for quick expense entry
Why Choose Settle Up?
The voice assistant integration is genuinely useful—you can add expenses hands-free while driving or carrying groceries. The recurring payment feature is excellent for roommates tracking monthly utilities.
Drawbacks: Some features restricted to premium users, occasional sync issues reported.
6. Splid: Travel-Focused Splitting
Best For: Group travel, international trips, visual expense tracking
Pricing: Free with premium option
Splid specializes in travel expense management, offering features specifically designed for group trips and international travel.
Key Features:
- Offline mode for travel
- Multi-currency support
- Simplified debt calculations
- Export to PDF and Excel
- Clean visual design
- Categorized expenses
- Trip summaries and reports
- No account required for basic use
Why Choose Splid?
Splid excels at handling complex multi-currency travel scenarios. If you're planning a European backpacking trip where you'll encounter multiple currencies, Splid makes it painless.
Drawbacks: No web version, manual friend addition required, premium needed for some features.
7. Tab: Tourism-Focused Platform
Best For: Tourism businesses, activity organizers, tour groups
Pricing: Varies based on business needs
Tab bridges the gap between personal expense sharing and business payment processing, making it ideal for tour operators, activity providers, and travel businesses.
Key Features:
- Advance and in-person payment processing
- Website integration for direct bookings
- Increased visibility to travelers
- Professional payment handling
- Group booking management
- Split payment options
- Business analytics and reporting
Why Choose Tab?
If you organize group activities, tours, or events professionally, Tab offers business-grade features while maintaining the simplicity of consumer expense apps.
Drawbacks: More complex than needed for personal use, pricing structure favors businesses.
8. Splittr: Quick and Simple
Best For: One-time expenses, restaurant bills, quick splits
Pricing: Completely free
Splittr is the minimalist's choice—a no-frills tool for splitting bills quickly without any account creation or complicated setup.
Key Features:
- No account required
- Instant bill splitting
- Tip calculation (amount and percentage)
- Multiple split methods
- Works entirely in browser
- Share results via link
- Simple, fast interface
Why Choose Splittr?
When you're at a restaurant with friends and just need to split the bill right now, Splittr is unbeatable. Open the website, enter amounts, done.
Drawbacks: No history tracking, no ongoing expense management, no mobile app, not suitable for long-term use.
9. Kittysplit: Anonymous and Simple
Best For: Privacy-focused users, temporary expense sharing, no registration needed
Pricing: Completely free
Kittysplit emphasizes privacy and simplicity, allowing you to split expenses without creating accounts or sharing personal information.
Key Features:
- Zero registration required
- Complete anonymity
- Simple expense tracking
- Share via link
- Multi-currency support
- Clean interface
- Works on all devices via web
Why Choose Kittysplit?
Perfect for situations where you don't want to share personal information or create yet another account. Great for one-time events or temporary groups.
Drawbacks: No long-term tracking, limited features, no mobile app, expenses may expire after inactivity.
10. Google Pay / PhonePe (Split Bill Features)
Best For: Quick settlements, existing app users, casual expense sharing
Pricing: Free
Major payment apps like Google Pay and PhonePe have built-in expense splitting features that work well for casual, immediate settlements.
Key Features:
- Split bills without creating groups
- Direct payment integration
- Chat functionality for expense discussions
- Payment reminders
- Simple interface
- No separate app needed
- Instant settlements
- Wide user base
Why Choose Payment App Split Features?
If you're already using these apps for payments, the built-in splitting features are convenient for quick, casual expense sharing among friends.
Drawbacks: Lacks advanced tracking, no debt simplification, limited expense history, no desktop/web version, region-specific availability.
How to Choose the Right Splitwise Alternative
With so many options available, selecting the right app depends on your specific needs:
For Regular Expense Tracking with Context
Choose: Zedger If you manage different types of expenses (trips, family, business) and want organized, unlimited tracking without paywalls, Zedger's book-type system provides the best structure.
For Privacy and Data Control
Choose: Spliit or Kittysplit Open-source options or no-registration apps ensure your financial data stays private and under your control.
For Large Groups
Choose: Splitser With support for 150 members per group, it's ideal for extended family reunions, large friend circles, or community organizations.
For International Travel
Choose: Splid or Tricount Both handle multi-currency scenarios excellently with offline capabilities for when you're abroad.
For Simplicity
Choose: Splittr or Tricount When you just need basic splitting without complications, these minimalist options get the job done fast.
For Voice Integration
Choose: Settle Up If you want to add expenses hands-free or manage recurring bills, Settle Up's voice assistant integration is unique.
For Business Use
Choose: Tab Professional payment processing with expense tracking makes it ideal for tour operators and activity organizers.
Making the Switch: Migration Tips
Leaving Splitwise doesn't mean losing your expense history. Here's how to transition smoothly:
1. Export Your Splitwise Data
- Log into Splitwise on the web
- Go to Account Settings
- Select "Export as CSV"
- Download your complete expense history
2. Choose Your New Platform Consider your primary use case and select the app that best matches your needs from this list.
3. Import (If Supported) Apps like Spliit and Splitser support direct CSV imports from Splitwise, making migration nearly automatic.
4. Communicate with Your Groups Send a message to your expense-sharing circles explaining the switch. Most people are happy to move away from Splitwise's limitations.
5. Start Fresh or Import Depending on the app, either import your data or start fresh with settled balances.
The Future of Expense Sharing
The exodus from Splitwise highlights an important trend: users value transparency and fair pricing over feature locks and artificial limitations. The apps on this list represent the future of expense sharing—whether through open-source transparency, generous free tiers, or innovative features that actually solve problems rather than creating them.
Splitwise's decision to severely limit free users has opened the market for alternatives that respect their users. Many of these apps were specifically built in response to Splitwise's changes, driven by frustrated users and developers who saw an opportunity to do better.
Conclusion
Splitwise was once the undisputed leader in expense sharing, but its aggressive monetization strategy has created space for worthy competitors. Whether you choose Zedger for its innovative book-type organization, Spliit for its open-source guarantee, Splitser for its generous free tier, or any of the other excellent alternatives, you'll likely find an experience that's equal to or better than what Splitwise offered in its prime—without the frustrating limitations.
The best part? Most of these alternatives are committed to keeping core features free and accessible. They've learned from Splitwise's mistakes and understand that user trust is more valuable than short-term revenue from aggressive paywalls.
Try a few options from this list and see which one fits your expense-sharing style. With unlimited transactions, no forced ads, and features designed around real user needs, you'll wonder why you didn't make the switch sooner.
Pro Tip: Don't wait until your next trip to make the switch. Migrate now while settling up is straightforward, so you're ready when you actually need to track expenses.
Have you made the switch from Splitwise? Which alternative are you using, and how has your experience been? The community of users looking for better options would love to hear your insights!