The best Splitwise alternatives in 2026, honestly compared

Five apps that split group expenses free and without a daily cap — including ours — reviewed with the same standard: real strengths, real weaknesses.

If Splitwise's daily expense cap sent you looking, here's the short version: Deudin, Tricount, Settle Up, Splid and Spliit all cover the core job — record who paid, split it, settle with the fewest transfers — for free and without a daily limit. Where they differ is exactly where trips get messy: offline support, whether everyone needs an account, and what happens when the group mixes currencies.

One disclosure up front: Deudin is our app, so it goes first — but it gets the same treatment as the rest. Real strengths, real gaps, and who each app actually fits.

How do the five compare?

Facts checked July 2026. Prices and free-tier limits change often, and some figures (Settle Up's annual price, Splitwise's cap) vary across regions and sources.

Deudin — offline-first, and nobody has to install anything

Deudin is a web app (a PWA — it installs from the browser) built around two ideas: it should work where trips actually happen, including with no signal, and your friends shouldn't need accounts. You add people by name; they claim their spot later with a link, or never. Expenses take several payers, splits go by equal parts, amounts, percentages or adjustments, balances stay separate per currency, and settle-up suggests the fewest transfers. All of it is free, with no ads and no daily cap. If you're leaving Splitwise, the CSV import recreates your group with per-currency balances matching to the cent.

What it doesn't do: no receipt scanning, no currency conversion (deliberate — but if you want one converted total, it isn't there), no native apps, and no recurring expenses. Best for trips and mixed groups where half the people would never install an app — see Deudin for trips.

Tricount — polished and free, with a bank attached

Tricount went fully free after bunq acquired it and retired Premium. You get offline entry with auto-sync, multi-currency with automatic conversion, receipt photos, categories with spending insights, and a Splitwise import. It's especially strong in Europe.

The caveats come from its 2024–25 rewrite: user reviews report tricounts and expenses disappearing after the v8 migration, CSV export reportedly removed, and a growing push toward a bunq login where a simple link used to be enough. Best for Europe-based groups comfortable inside the bunq ecosystem. Full comparison: Deudin vs Tricount.

Settle Up — the veteran with a real web app

Settle Up runs on Android, iOS and the web, works offline and syncs later, handles all currencies with daily exchange rates fetched automatically, simplifies debts well, and offers a shareable read-only link so anyone can check balances. Members can be passive names — though the person doing the tracking needs an account.

The free tier carries ads, and receipt photos, custom categories, recurring transactions and Excel export sit behind Premium — $3.49/month or around $18.99/year (older sources say $10.99, so a recent price rise looks likely). Best for groups that want automatic exchange rates with native apps and web access. Full comparison: Deudin vs Settle Up.

Splid — fully offline, no sign-up, no web version

Splid is the travel classic: groups work fully offline (sync is optional), there's no sign-up — members are names and people join with a code — it handles 150+ currencies with automatic conversion, supports multiple payers, minimizes payments, and exports to PDF or Excel. Instead of a subscription there's a one-time unlock of about $4.99.

Its gaps: no web version at all (the top user request), sync that isn't real-time — with occasional complaints about devices disagreeing on balances — and no receipt scanning. Best for phone-only travel groups that want everything local. Full comparison: Deudin vs Splid.

Spliit — the open-source pick

Spliit is free, open source, ad-free, and runs as a PWA with no accounts. It has categories, uneven splits, reimbursement optimization, AI receipt scanning, recurring expenses in beta — and it keeps currencies separate instead of converting, the same stance Deudin takes.

Its two real gaps: no offline mode, and no Splitwise import yet (it's an open feature request). Best for groups who value open source and are reliably online.

Which one should you pick?

• Your trip mixes currencies and you distrust surprise conversions → Deudin or Spliit keep them separate; Settle Up if you actively want daily rates.
• You'll be offline a lot → Deudin or Splid; Tricount and Settle Up cope too; Spliit doesn't.
• Half the group won't install or sign up for anything → Deudin, Splid or Spliit.
• You want receipts scanned for free → Spliit's AI scan is the only free option here; otherwise that's Splitwise Pro territory.
• You're migrating from Splitwise with history intact → Tricount or Deudin import the CSV; Deudin verifies balances match to the cent, per currency.

Whichever you choose, export your Splitwise groups first so the history comes with you — here's how to export your Splitwise data. And if Deudin sounds like your group, creating one is free and takes less than a minute.