Best Free Splitwise Alternatives in 2026

A free Splitwise alternative is useful only if its limits cover the way your group actually records expenses. Before moving a group, check the current free offer against one week of your own bills, not a generic winner ranking.

Published by Partly. This is a comparison based on official product documentation, not an independent hands-on benchmark. Choose by your actual group workflow and verify each provider’s current offer.

Start with the limit your group would reach

List the expenses you enter on your busiest day, how often you scan receipts, whether bills recur and whether everyone needs browser access. Check each of these against the current plan. A free download does not imply unlimited scanning, export or payment services.

For a short trip with mostly manual entries, Tricount is worth comparing: its official page advertises free tracking without a daily expense cap or ads. For an occasional restaurant receipt in the US or UK, check Splitwise Itemize before assuming a paid subscription is necessary.

Splitwise lists receipt scanning and itemization in Pro. Since 2026-10-14, its separate Itemize restaurant flow is free in the US and UK. Check the flow and market: this does not establish the same free features everywhere. Splitwise Pro · Itemize

Match the alternative to one real bill

Try the same bill in each shortlisted app: one payer, three participants, one item shared by only two people and a personal purchase. Check each balance, whether invited friends can participate, and the actual payment handoff. Keep the test amounts separate from your real group history.

Tricount advertises free expense tracking and receipt photos. Its reviewed features page does not establish automatic line-item OCR; a missing statement is not proof that a feature is unavailable in every version. Tricount

Settle Up provides shared expense tracking synchronized through its servers, with free features and optional Premium. Check its current platform-specific plans before relying on photos, recurring expenses or exports. Settle Up

Splid is another option to assess for an offline trip. Check its current store offer for extra groups and exports rather than assuming every downloadable summary is free. Splid. Splitser documents recurring entries and separate conditions for payment requests: Splitser support.

What to check in Partly

Scan a receipt with AI, check the extracted amounts, then assign the items to group members.

Check the current offer in the app or store. Prices, trials and limits can vary by platform, region and offer.

An invited person can join a group as a guest before creating an account. Creating an account preserves that guest’s identity, groups and rights.

This public website has no account ledger or sign-in. Use the iOS or Android app to manage expenses.

Partly records repayments but does not transfer money. Payment links show details to copy or open an external payment app; the payment happens outside Partly.

Move the ledger without counting the debt twice

1. Export and save the old group before making changes. Keep a readable copy that every participant can check.
2. Agree on a changeover date and which currency the group will use for settling. Decide whether you are importing the history or starting with agreed balances.
3. Partly 6.1 supports Splitwise CSV expense import. Check which people and currencies each imported row uses; retain the source file until the group agrees on the result.
4. Compare every participant’s total against the original. If imported expenses already represent the debt, do not add that same debt again as an opening balance. Review duplicates before continuing.
5. Ask another group member to check the result, then record new expenses in only the chosen ledger from the agreed date. Pay externally and record actual repayments, not assumed ones.

When keeping Splitwise is reasonable

If the whole group already records expenses consistently and its current free limits cover the workload, changing tools may add more friction than value. Try one separate test group first. An alternative is a practical choice, not a requirement to abandon an existing working system.

Is a free alternative also a payment app?

Partly records repayments but does not transfer money. Payment links show details to copy or open an external payment app; the payment happens outside Partly.

Do invited people need to create an account first?

An invited person can join a group as a guest before creating an account. Creating an account preserves that guest’s identity, groups and rights. This public website has no account ledger or sign-in. Use the iOS or Android app to manage expenses.

Where can I see current free limits?

Check the current offer in the app or store. Prices, trials and limits can vary by platform, region and offer.