Best Free Splitwise Alternatives in 2026
If you're reading this, Splitwise probably just showed you a 10-second ad countdown for the third time today. Or you hit the daily expense limit. Or you realized that scanning a receipt requires a $40/year subscription.
You're not alone. The most common complaint about Splitwise in 2026 isn't about the product. It's about the monetization. The core app still works well. The free tier is what's driving people away.
Here's what's actually available, what each option is good at, and what they'll cost you.
If you track ongoing expenses with roommates
Tricount is where most Splitwise refugees are landing. Completely free, no ads, no daily limits. It does what Splitwise's free tier used to do before the restrictions. 14 million downloads and growing fast, especially in Europe.
The honest caveat: Tricount was bought by bunq (a European bank), and recent reviews mention sync issues, disappearing data, and crashes. It's still highly rated overall, but the reliability concerns are worth knowing about. If your expenses are important, keep your own records as a backup.
Splid is the other strong option for ongoing expenses. Solo-developed, no ads, no subscription, works offline. 3 million downloads with a 4.93 rating on Google Play. The trade-off is no receipt scanning and no web version. Everything is manual entry. But if you value simplicity and don't want to worry about your expense tracker's business model changing, Splid is as stable as it gets.
If you split restaurant bills
This is where the options thin out. Most Splitwise alternatives are built for the same use case Splitwise is: tracking who owes who over days or weeks. Splitting a single restaurant bill at a table requires something different.
The main options for restaurant splits:
Splyt has a solid receipt scanning and item-claiming flow, but the host needs an iOS app and the Android version doesn't work. Tab does receipt scanning with multiplayer sync, but it's US-only and you can't upload photos from your camera roll.
Divvi (that's us) does receipt scanning, item claiming via shared link, and proportional tax/tip/fee calculation. No download for anyone. No account. Works in English and Spanish. Handles restaurant, delivery, bar, and grocery receipts.
The real question is what you're actually trying to do. If you need to track expenses across multiple meals and trips over weeks, you want Tricount or Splid. If you need to split one bill right now at the table, you want Splyt, Tab, or Divvi.
What about SplitterUp?
SplitterUp is the most visible new alternative, mostly because of their blog content targeting Splitwise users. It's a one-time $4.99 purchase instead of Splitwise's subscription. If you want a Splitwise-like experience without the monthly cost, it's worth trying.
It doesn't change the fundamental model though: one person enters everything, everyone needs the app. If the reason you're leaving Splitwise is the pricing, SplitterUp solves that. If the reason is the friction of getting everyone in your group to download and create accounts, SplitterUp doesn't help.
The honest answer
There's no single app that replaces Splitwise for everything it does. Splitwise is genuinely good at debt simplification, multi-platform sync, recurring expenses, and categorization. What's changed is the cost of accessing those features and how aggressively the free tier pushes you toward paying.
The move most people are making: Tricount or Splid for ongoing expenses, and a separate tool for restaurant bills. Use the right tool for each job instead of forcing one app to do everything.