Best Splitwise Alternatives in 2026
Looking for an expense splitting app? Here are 7 apps compared side by side, with honest pros and cons for each.
Last updated: April 2026
Quick Comparison
| App | Free Expenses | Ads | Offline | Multi-Currency | Price |
|---|---|---|---|---|---|
| Split CircleBest Overall | Unlimited | None | Full | 50+ (Free) | Free / $2.99 Pro |
| TricountBest for Europe | Unlimited | Banner ads | Limited | Yes (Free) | Free / $2.99 Pro |
| SplitwiseLargest Network | 3-5/day | 10-second video | Limited | Pro only ($40/yr) | Free (limited) / $40/yr |
| SplidMost Minimal | Unlimited | Some | Partial | Yes | Free / Pro available |
| Settle UpSimple & Reliable | Unlimited | Minimal | Limited | Yes | Free / Pro available |
| VenmoUS Payments | N/A | None | No | USD only | Free |
| Google SheetsDIY Option | Unlimited | None | Limited | Manual | Free |
Detailed Reviews
1. Split Circle
Best OverallFree, unlimited, offline-first. The best all-round Splitwise replacement.
Pros
- No daily limit
- No ads
- Offline-first
- UPI settlement
- No account required for group members
Cons
- Newer app, smaller user base
- No Venmo integration yet
2. Tricount
Best for EuropePopular in Europe. Simple, clean, and good for travel groups.
Pros
- Clean interface
- Popular in Europe
- Basic features are free
Cons
- Limited offline
- No UPI
- Fewer split methods
3. Splitwise
Largest NetworkThe market leader with 33M+ downloads. Free tier is limited to 3-5 expenses per day since 2023.
Pros
- Largest user base
- Venmo integration (US)
- 15 years of development
Cons
- 3-5 daily limit on free
- Unskippable ads
- $40/year for basic features
4. Splid
Most MinimalClean and simple. Good for small groups who want the basics.
Pros
- Minimal interface
- Easy to learn
- Web version
Cons
- Fewer features
- Limited debt simplification in free tier
5. Settle Up
Simple & ReliableFocuses on simplicity. Add expenses, see balances, settle up.
Pros
- Simple interface
- Multi-currency
- Web version
Cons
- Smaller user base
- Limited offline
- No receipt features
6. Venmo
US PaymentsGreat for sending money, but not for tracking ongoing group expenses.
Pros
- Instant payments (US)
- Large network
- Social features
Cons
- No expense tracking
- US only
- No splitting logic
- Public social feed
7. Google Sheets
DIY OptionA shared spreadsheet. Free, familiar, infinitely customizable. Also infinitely breakable.
Pros
- Completely free
- Customizable
- Familiar
Cons
- Manual calculations
- No debt simplification
- Easy to mess up formulas
- No mobile app experience
Frequently Asked Questions
Keep your circle. Split the bills.
Free on iOS and Android. No daily limits, no ads. Your friends don't need an account.