7 Free Splitwise Alternatives in 2026 (That Actually Work)

Splitwise capped free users at 3-5 expenses a day in 2023 and started running unskippable ads. Millions of people went looking for alternatives. Here are 7 that actually work, ranked by how well they replace Splitwise's core features without charging you for them.

1. Split Circle (Best Overall Free Alternative)

Split Circle does everything Splitwise does, without the daily limits, ads, or $40/year paywall. It's built offline-first, supports UPI settlement in India, and doesn't require group members to create accounts.

What's free: Unlimited expenses, 4 split methods, multi-currency, offline mode, receipt photos, debt simplification.

What's Pro ($2.99/mo): OCR receipt scanning, advanced analytics.

Best for: Anyone who wants Splitwise without the restrictions.

See the full Split Circle vs Splitwise comparison for a detailed feature breakdown.

2. Tricount

Tricount is popular in Europe, especially France and Germany. It's simple, clean, and handles basic group expense splitting well.

What's free: Unlimited expenses, basic split methods, group management.

Limitations: No offline mode, limited currency support, no UPI, no receipt scanning.

Best for: European travel groups who want something simple.

3. Splid

Splid offers a clean interface and works well for small groups. Available on iOS, Android, and web.

What's free: Basic expense tracking, equal and unequal splits.

Limitations: Fewer split methods, no debt simplification in free tier, limited export.

Best for: Small friend groups who want a minimal interface.

4. Settle Up

Settle Up focuses on simplicity. Add expenses, see who owes whom, settle up. It supports multiple currencies and has a web version.

What's free: Core expense tracking, multi-currency, web access.

Limitations: Limited offline support, no receipt features, smaller user base.

Best for: Users who prioritize simplicity over features.

5. Cospender

Cospender is a newer entrant focusing on real-time collaboration and a modern interface. Still building out features.

What's free: Real-time expense tracking, group management.

Limitations: Newer app with a smaller feature set, limited integrations.

Best for: Early adopters who like trying new tools.

6. Google Sheets (DIY)

Honestly, a shared Google Sheet still works for some groups. Templates exist for expense splitting. It's free, familiar, and infinitely customizable.

What's free: Everything (it's a spreadsheet).

Limitations: No debt simplification, no mobile app experience, manual calculations, easy to mess up formulas.

Best for: Groups of 2-3 who are spreadsheet-comfortable.

7. Venmo / Google Pay (Payment-Only)

If your group just needs to send money back and forth without tracking ongoing expenses, payment apps work fine. Venmo (US), Google Pay (global), and PhonePe (India) handle one-off settlements.

What's free: Sending money.

Limitations: No expense tracking, no splitting logic, no group management, no debt simplification. You still need to calculate who owes what.

Best for: Groups who just need to send money, not track expenses.

The Bottom Line

If you want a true Splitwise replacement with no restrictions, Split Circle is the closest match. It's the only alternative that offers unlimited free expenses, offline mode, and multi-currency support without a subscription.

If you're in Europe, Tricount is worth a look. If you want minimal, try Splid or Settle Up. And if your group is just 2-3 people, honestly, a shared spreadsheet might be all you need.

Also see: How Splitwise Free compares to Pro and what to do about Splitwise's daily expense limit.

Frequently Asked Questions

Is there a free app like Splitwise with no daily limit?

Yes. Split Circle offers unlimited expenses, no daily caps, and no ads in its free tier. It's the closest free replacement for Splitwise as of 2026.

Why did Splitwise add daily limits?

Splitwise added daily expense limits (3-5 per day for free users) and unskippable ads in 2023 to push users toward their $40/year Pro subscription. Before 2023, Splitwise's free tier had no daily limit.

Can I import my Splitwise data to another app?

Most alternatives don't offer direct Splitwise import yet. The easiest workaround: enter your current Splitwise balances as opening amounts in your new app. In Split Circle, this takes about 2 minutes.

What's the best Splitwise alternative for India?

Split Circle. It's UPI-native (settle debts through PhonePe, Google Pay, or Paytm in one tap), works offline, and is free with no daily limits.

What's the best free expense splitting app for travel?

For travel, you need multi-currency support and offline mode. Split Circle and Tricount both handle this. Split Circle has the edge for offline functionality and UPI settlement.

Can group members use the app without creating an account?

Yes, in Split Circle. You add people by name and they can view their balance through a shared link. No download required for group members.