Splitwise alternatives in 2026, and which one suits your group
If the free plan's daily expense limit or its adverts are what sent you looking, Tricount, Spliit, a shared spreadsheet and Kotisso all remove them. They differ on accounts, recurring bills and exports, and that decides which one fits.
7 min read
The main free alternatives to Splitwise are Tricount, Spliit, a shared spreadsheet and Kotisso. None of them caps how many expenses you add per day. Tricount and Spliit let friends join without an account, Spliit and Kotisso repeat recurring bills, and Kotisso exports the tally to PDF for free. This page is written by the team behind Kotisso, so we compare our own app too, limits included.
A week away, and the fifth expense of the first day
Take a fictional group: six friends renting a house for a week. On the first day, Maya pays for the airport taxi, the big food shop, the bike hire, lunch and dinner, and she is the one who enters everything in Splitwise.
According to Splitwise's own help centre, a free user can add up to 4 expenses a day. Maya's fifth expense, dinner, does not go in that evening. The limit applies per user, so the group could share the typing between them, but most groups have one person who keeps the accounts, and that is the person who hits the wall.
Splitwise's answer is Pro, its subscription, which removes the limit and the adverts and adds currency conversion, receipt scanning and a default split for the group. Its yearly plans include a Trip Pass that gives Pro features to everyone in one trip group for 30 days. We do not quote prices from other companies: you will find them on the Splitwise Pro page. The details of the free plan are in Is Splitwise free?
For a flatshare with a handful of expenses a week, the limit may never matter, and Splitwise remains the most complete app for long-running groups: recurring bills (weekly, fortnightly, monthly, yearly), CSV export, offline entry, apps on Android and iOS. If your group lives with it happily, there is no reason to move.
Tricount, if nobody wants to create an account
Tricount is free, with no daily expense limit. Its website invites you to "try tricount without signing up", which is its strongest argument in a group of friends: you share a link and people start adding expenses. It records expenses offline and converts currencies at no cost. It also offers to import an existing Splitwise group, so you do not have to type everything again.
What to know before choosing it. Tricount belongs to bunq, a Dutch bank, and the app promotes a free bunq card that adds your purchases to the group as you pay. The card is optional. The exports to CSV and PDF went away with the old Premium plan: the help centre now tells you to ask support for them. On Tricount's own comparison page, recurring bills are marked "add each bill manually". And while the publisher describes the app as ad-free, its Google Play listing carries the "Contains ads" label (read on 1 October 2026); we do not know what that label covers.
More detail on what bunq offers around the app: Is Tricount free or paid?
Spliit, free and open source
Spliit is a web app published as open source, with no account and no adverts, funded by donations and sponsors. Its site lists groups, categories, receipt photos, splits by percentage, shares or amount, transfers to settle up, and recurring expenses (daily, weekly, monthly, still marked beta). There is also an iPhone app. If you want the app with the fewest strings attached and are happy with a minimal interface, it deserves a look.
A shared spreadsheet
For two or three people on a short project, a shared sheet is free and needs no new app. It starts to hurt when everyone has to enter expenses from a phone, and when you need to work out who pays whom rather than just the balances. If you want to try it properly, start from a ready-made template rather than a blank sheet.
Kotisso, the app we make
Kotisso keeps the whole tally free: no limit on expenses, up to 50 participants per group, four ways to split (equal shares, by shares, exact amounts, percentages), foreign currencies with the rate fixed when the expense is entered, receipt photos and exports to a spreadsheet and to PDF. Recurring expenses repeat weekly or monthly. Only the person who creates the group needs an account. They add the others by name, and those people appear in the expenses, balances and exports without an account; later, they can sign up through the invitation link and take over their place.
What Kotisso does not do: there is no iOS app (Android through Google Play, or the browser), you cannot add an expense without a connection, nothing reads your receipts for you, it does not import Splitwise or Tricount groups, and it never moves money. The free plan limits the number of groups open at the same time to two, and shows twelve months of history, while balances are always calculated over the full history; in its exports, lines older than twelve months are grouped into a single line that keeps the totals. The paid plan, €2.99 a month or €24.99 a year, adds more open groups, the full history display, group statistics and a profile photo.
The comparison
| Splitwise (free) | Tricount | Spliit | Spreadsheet | Kotisso | |
|---|---|---|---|---|---|
| Daily expense limit | 4 per user | None | None | None | None |
| Account needed to take part | Yes | No | No | No | Only for the group creator |
| Recurring expenses | Yes | Entered by hand each time | Yes (beta) | By hand | Weekly or monthly |
| Currency conversion | Pro only | Included | Not stated | By hand | Included, rate fixed on entry |
| Export of the tally | CSV | On request to support | Not stated | The file itself | Spreadsheet and PDF |
| Offline entry | Yes | Yes | Not stated | Depends on the tool | No |
| Apps | Android, iOS, web | Android, iOS | Web, iPhone | Any | Android, web |
| Behind it | Splitwise, United States | bunq, a Dutch bank | Open-source project | You | Kotisso, independent, France |
Sources read on 1 October 2026: the Splitwise Pro help page, the Splitwise Pro page, the Splitwise Google Play listing, the Tricount website, its comparison with Splitwise, its FAQ, its Google Play listing and the Spliit website. "Not stated" means we did not find it on the publisher's pages, not that the feature is missing. Limits and plans change: check with the publisher before a trip.
Which one for which group
A trip with one person entering everything, and nobody wants to pay. Tricount, Spliit or Kotisso: none of them counts expenses per day. If someone already has a yearly Splitwise Pro plan, the Trip Pass covers the group for 30 days.
Nobody in the group will create an account. Tricount or Spliit. With Kotisso, only the creator signs up and names the others, who count in the balances without an account; to open the group or add their own expenses, they sign up through the invitation link.
You already have years of history in Splitwise. Tricount imports Splitwise groups. Kotisso does not: start a new group from a settled balance.
A flatshare or a couple with rent and bills every month. Splitwise, Spliit or Kotisso, which repeat recurring expenses. Tricount asks you to add each one again.
The tally will need to leave the group, at the end of a tenancy or between separated parents. Kotisso exports a PDF for free; Splitwise exports CSV; Tricount sends you to support.
You are often without a signal. Splitwise or Tricount, which both record expenses offline.
Frequently asked questions
What is the best free alternative to Splitwise? It depends on what bothers you. For no account at all, Tricount or Spliit. For recurring bills and a free PDF export, Kotisso, with an account for the group creator. For no new app, a shared spreadsheet.
Is there a Splitwise alternative without a daily limit? Tricount, Spliit and Kotisso do not limit how many expenses you add per day, according to their publishers.
Can I move my Splitwise groups to another app? Tricount offers a Splitwise import. Kotisso has no import: the simplest route is to settle up in Splitwise first, then start the new group from zero.
Is Tricount better than Splitwise? For a trip with friends who will not sign up, it is simpler and has no daily limit. For a long-running household with recurring bills and offline use, Splitwise remains more complete if you accept its free plan limit or pay for Pro.
If your group needs recurring bills and a PDF it can hand over, Kotisso keeps the whole tally free and only asks the group creator to sign up. The screen below shows the example group's balances once Maya's five expenses of the first day are in. Create a group on Kotisso.
