Splitwise alternatives for group trips: 6 apps compared

Most people looking for Splitwise alternatives are looking for the same two things: no daily cap on how many expenses you can add, and receipt scanning that is not behind a subscription. Both of those tightened on Splitwise's free tier during 2026, and on a group trip - four or five expenses before dinner - the cap is the one you notice first.

So here are six Splitwise alternatives worth knowing about, what each one is actually best at, and which one to pick for which situation. We make one of them, and it is marked as such.

Why people leave Splitwise

Worth being fair first: Splitwise is good software and its debt simplification is the feature every alternative here copied. Nobody is leaving because it does not work.

They leave for three reasons, in this order:

1. The daily expense cap. Free accounts are limited to roughly three to four expenses a day. That is invisible in normal life and constant on a trip.
2. Ads. The free tier now carries them, in an app you open at the table with friends.
3. Receipt scanning is Pro-only, at around $5 a month or $40-60 a year, per person.

None of those matter if you use it twice a month for flatmate expenses. All of them matter on a two-week trip.

The six best Splitwise alternatives

1. Deline - for trips specifically

Ours. iPhone, Android in progress.

Deline is not a general expense splitter, and that is deliberate. It is built around a trip: the itinerary sits on one shared timeline that everyone in the group can see, and the costs sit on the same timeline rather than in a second app. An expense is attached to the dinner or the activity it belongs to, so in three weeks it still means something.

Manual expenses are not capped. Receipt scanning is included in the free tier at 5 scans per trip. Debt simplification works the way you would expect - fewer transfers at the end. The unusual bit is premium: one person's subscription covers everyone inside that trip, rather than each person buying their own.

Pick it if: the reason you want an expense splitter is a specific trip, and your group is on iPhone. Skip it if: you want a permanent flatmate tab, or half your group is on Android today. Longer version: Deline vs Splitwise.

2. Tricount - the strongest free all-rounder

Unlimited expenses on the free tier, no daily cap, multiple currencies, and people can join a tricount from a link without creating an account - which removes the single biggest source of friction in getting a group set up. It is on iOS, Android and the web, and it is owned by Bunq, so it is not going anywhere.

Pick it if: you want the closest thing to old Splitwise, free. Skip it if: you want a trip plan as well as a tally.

3. Settle Up - best for mixed-device groups

iOS, Android and a browser version, which is the reason to choose it: nobody gets left out. Handles multiple currencies, does the debt simplification, and the free tier splits without limits. Ads on free, removable with a small one-off or subscription depending on platform.

Pick it if: your group spans every kind of phone plus one person who refuses to install anything. Skip it if: you find the interface plain - it is function first.

4. Kittysplit - no app, no account

A web page. You create a split, share the link, everyone adds what they paid, and it tells you who owes who. Nothing to install and nothing to sign up for, which makes it perfect for a weekend, a stag do, a shared house dinner - anything with a start and an end and no appetite for onboarding five people.

Pick it if: it is a one-off and installing an app is the blocker. Skip it if: the trip lasts two weeks and you want it on your home screen.

5. Spliit - open source, self-hostable

A free, open-source expense splitter you can use hosted or run on your own server. No ads, no limits, and no question about who holds the data - which for some people is the entire point.

Pick it if: you would rather host it than trust it. Skip it if: "deploy it yourself" is not a sentence your group will tolerate.

6. A shared spreadsheet - still undefeated for some groups

Free, universal, and infinitely flexible. Two columns, a row per expense, a formula at the bottom. For a group of three with fifteen expenses it genuinely is fine.

Pick it if: the group is small and one person likes spreadsheets. Skip it if: it is more than about twenty expenses, or more than one currency, or anybody has to edit it on a phone in the rain.

Splitwise alternatives compared

How to actually choose

Ignore the feature lists for a second. Three questions decide it.

• Is this a trip, or is this life? A trip has an end, which means the app has a job that finishes. Life does not, which is what Splitwise and Tricount are shaped for.
• What phones is the group on? This overrides everything. The best app that half your group cannot install is worse than the second-best one they can.
• Who is going to enter the expenses? If the honest answer is "me, all of them", pick whichever app makes adding one fastest, and use receipt scanning.

And whichever you pick: set it up before you leave and get everyone in on day one. The rules worth agreeing beforehand are the other half of this.