The Best Splitwise Alternatives in 2026

For years, “use Splitwise” was the only answer when a group needed to split expenses. That’s changed. Over the last couple of years Splitwise added a daily limit on adding expenses to its free tier, started showing ads, and moved features like receipt scanning and currency conversion behind Splitwise Pro. None of that makes it a bad app — but it’s why so many people are now looking for something else.

Here are the alternatives worth knowing in 2026, and who each one is for.

What people actually want from an alternative

Across reviews and recommendations, the same three wishes come up again and again:

• No daily expense limit — log every coffee and cab without hitting a wall.
• No ads — the free tier shouldn’t be a funnel to a paywall.
• Free essentials — splitting, settling, and multi-currency without an upgrade.

Keep those in mind as you read.

Tabby — best if you want AI to do the math

Tabby keeps the essentials free and ad-free, with no daily expense limit, and adds AI receipt scanning: snap a photo of a receipt and it reads the line items so you don’t retype them. It’s mobile-first today (a web app is on the way), and the design is built for 2026 rather than bolted onto a decade-old app.

If your main frustration with Splitwise is the limits, ads, and paywalled basics, this is the most direct answer. See the full Tabby vs Splitwise comparison.

Tricount — best for “completely free, no ads”

Tricount (owned by the neobank bunq) is the go-to when someone just wants a free, no-ads tracker for the occasional trip, and it offers a handy Splitwise import. The trade-off: the bunq-era rebuild reportedly dropped the web app and CSV/PDF export, and the app nudges you toward bunq’s banking products. No AI receipt scanning.

Settle Up — best for flexible splits and web access

Settle Up has a generous free tier, flexible weighted splits, real web access, and full offline mode. The catch is ads on the free tier — a full-screen ad appears after roughly every few expenses — and Premium (around $3.99/mo or $19.99/yr) removes them.

Splid — best for no-account, offline group trips

Splid lets you start splitting a trip in under two minutes with no account and full offline support, monetized by a small one-time purchase rather than a subscription. It’s purpose-built for one-off trips, so it’s light on long-term tracking and has no receipt scanning.

Venmo and Cash App aren’t really trackers

A quick note for US readers: Venmo Groups and Cash App make it easy to move money, but they’re not expense trackers. They don’t keep an ongoing, who-owes-who balance across many expenses, don’t itemize bills, lack multi-currency, and are US-only. They solve the payment, not the math.

So which should you pick?

• Want AI receipt scanning and a modern, ad-free experience → Tabby.
• Want completely free with no ads for casual trips → Tricount.
• Want a web app and flexible splits, and don’t mind ads or paying to remove them → Settle Up.
• Want no account, offline, one-off trips → Splid.

Other apps’ pricing, ads and limits change frequently. This was last reviewed in June 2026 — check each app’s store listing before committing.