Best Splitwise Alternatives in 2026: A Fair Comparison

Splitwise has been the default expense splitting app for years, and for good reason. It works, it is widely known, and millions of people use it. But it is not the only option, and a growing number of users are looking for alternatives.

If you are reading this, you probably have a reason. Maybe you want budget tracking built into your splitting app. Maybe you find Splitwise's paid tier too expensive for what it offers. Maybe you want bank sync or better multi-currency support. Whatever brought you here, this guide compares the most popular Splitwise alternatives fairly, so you can make an informed choice.

Why People Look for Splitwise Alternatives

Before diving into the comparison, it is worth understanding the most common reasons people start looking for alternatives:

No built-in budget tracking. Splitwise is an expense splitting app. It does not offer personal budgeting, spending categories, or bank statement import. If you want to track your personal budget alongside your shared expenses, you need a second app.

Pricing concerns. Splitwise Pro costs significantly more than some alternatives, and certain features that users expect to be free (like receipt scanning) are behind the paywall.

Limited bank connectivity. Splitwise does not offer bank sync or bank statement import. Your transactions and your expense splits live in completely separate systems.

Feature gaps. Some users want features like recurring expense automation, more granular multi-currency handling, or better group management that Splitwise does not prioritize.

Let us look at the alternatives.

Oweize

Available on: iPhone, Android, and web (web.oweize.com)

Rating: 5.0 on both the App Store and Play Store

Oweize is the only app on this list that combines expense splitting, budget tracking, and bank connectivity in a single product. That combination is its defining feature.

Free plan highlights:

• Unlimited expense splitting and groups
• Receipt scanning with line-item extraction
• Multi-currency support (155+ currencies)
• Recurring expenses and settlement reminders
• Spending insights
• No ads

Plus plan (USD 0.99 per month):

• Budget tracking with customizable periods
• CSV and PDF bank statement import from any bank worldwide
• AI transaction categorization (no manual column mapping)
• Income and expense planning
• Smart match and link
• Multiple accounts and cards

Pro plan (USD 3.99 per month):

• Automatic bank sync via Plaid (US and Canadian banks)
• Up to 3 bank connections included
• Weekly auto-sync and real-time balance updates
• Additional banks at USD 0.99 per month each

Strengths: The combination of splitting and budgeting means you do not need two separate apps. The AI-powered bank statement import works with any bank worldwide without manual column mapping. Receipt scanning is free and extracts individual line items. Multi-currency support covers 155+ currencies.

Best for: Users who want expense splitting and personal budget tracking in one app, international travelers who need robust multi-currency support, and anyone who wants bank connectivity at an affordable price.

Tricount

Available on: iPhone, Android, and web

Tricount is a straightforward expense splitting app popular in Europe. It focuses on simplicity and does one thing well.

Key features:

• Group expense splitting
• Multiple currencies
• Offline mode
• Simple interface with minimal learning curve
• Free to use with ads; paid version removes ads

Strengths: Tricount's simplicity is its biggest advantage. There is very little setup required. You create a group, add expenses, and the app calculates who owes what. It is especially popular for one-off group events like trips or dinners.

Limitations: Tricount does not offer budget tracking, bank import, receipt scanning, or recurring expense management. Its feature set is narrower than Splitwise, which means it is a Splitwise alternative only if you want something simpler, not more capable.

Best for: Users who want the simplest possible expense splitting tool with minimal features and no complexity. Popular for short trips and one-time group events.

Settle Up

Available on: iPhone, Android, and web

Settle Up is another expense splitting app with a clean interface and solid core functionality.

Key features:

• Group expense splitting with various split methods
• Multi-currency support
• Offline support with sync
• Debt simplification (minimum number of payments to settle)
• Free with optional donations or premium features

Strengths: Settle Up handles the fundamentals well. It supports unequal splits, percentage splits, and shares-based splits. The debt simplification algorithm is effective at reducing the number of transfers needed. It also works offline, which is useful for travel.

Limitations: Like Tricount, Settle Up is purely an expense splitting tool. There is no budget tracking, no bank import, and no receipt scanning. The interface, while functional, has not evolved as quickly as some competitors.

Best for: Users who want a reliable, no-frills expense splitting app with good offline support and do not need budgeting features.

Cospender

Available on: iPhone and Android

Cospender is a newer entrant in the expense splitting space with a modern interface.

Key features:

• Group expense splitting
• Multi-currency support
• Clean, modern design
• Activity feed showing group expense history

Strengths: Cospender has a polished user interface and is easy to navigate. Its visual design is appealing, and the activity feed gives groups a clear timeline of expenses.

Limitations: The feature set is still growing. Cospender lacks receipt scanning, budget tracking, bank import, and some of the advanced splitting options available in more mature apps. As a newer app, it has a smaller user base, which can matter when you need to invite friends to a group.

Best for: Users who prioritize design and simplicity and whose needs are limited to basic group expense splitting.

Head-to-Head Comparison

Here is how the four alternatives stack up on key features:

Expense splitting: All four apps handle basic expense splitting well. Oweize and Settle Up offer the most flexibility in split methods (equal, percentage, exact amounts, per-item via receipt scanning for Oweize).

Receipt scanning: Only Oweize offers receipt scanning with line-item extraction on the free plan.

Multi-currency: Oweize leads with 155+ currencies. Settle Up and Tricount offer multi-currency support as well, though with fewer currencies. Cospender supports multiple currencies.

Budget tracking: Only Oweize offers integrated budget tracking. The others are purely expense splitting tools.

Bank connectivity: Only Oweize offers bank import (CSV and PDF on Plus) and automatic bank sync (Plaid on Pro). None of the others connect to your bank.

Pricing: Tricount and Settle Up are free with limited paid options. Cospender is free. Oweize's free plan covers all splitting features; budget tracking starts at USD 0.99 per month.

Platform availability: Oweize, Tricount, and Settle Up are available on iPhone, Android, and web. Cospender is mobile only.

Making Your Decision

The right choice depends on what you need:

If you only need to split expenses and want the simplest tool possible, Tricount or Settle Up will serve you well. They are straightforward, free, and focused on the core problem.

If you want expense splitting plus budget tracking in one app, Oweize is the clear choice. No other app on this list combines both. The ability to import bank statements, categorize transactions with AI, and track spending against a budget alongside your shared expenses is a unique combination.

If you want bank sync to automate your financial tracking, Oweize's Pro plan is the only option among these alternatives that offers direct bank connectivity.

If you are a frequent international traveler, Oweize's support for over 155 currencies and free receipt scanning makes it the strongest option for multi-currency trips.

If you are switching from Splitwise specifically, Oweize is the closest feature match that also adds budget tracking and bank connectivity at a lower price point. You get everything Splitwise offers and more.

The Bottom Line

Splitwise is a solid app, and there is nothing wrong with continuing to use it if it meets your needs. But if you want more, whether that is budget tracking, bank import, better multi-currency support, or a more affordable paid tier, the alternatives are worth exploring. Each app on this list does expense splitting well. What separates them is what they offer beyond the basics, and that is where understanding your own needs will guide the right choice.