Splitwise alternatives for splitting expenses in 2026

Splitwise is the app most people learned to split expenses with, and it's still good at what it does. The most common reason to look for a replacement today isn't that it fails: it's the daily expense cap on the free plan, which shows up on day two of a trip, right when you want to log breakfast, the taxis, the museum ticket and dinner.

Before switching, it helps to know what you're actually after. These are the four questions that decide which one suits you.

1. How many expenses do you log per day?

Splitwise lists "unlimited expenses" among the features of its paid plan, which means the free one has a daily cap; they don't publish the exact number on their site.

If you log two expenses a week, you'll never notice. If you're travelling, or tracking a household, you'll notice in the first month. It's the question that filters hardest, so answer it first.

2. Do you also need to track your own spending?

This is where the market splits in two, and it's the difference most people underestimate.

Splitwise and Tricount are shared-expense apps: they record what you divide with other people. What you spend on your own — coffee, fuel, a subscription — doesn't live there. To know where your money goes, you need a second app or a spreadsheet.

If your case is "split the trip and nothing else", that separation doesn't bother you and arguably keeps things simpler. If your case is "I want to understand my spending and I also share a home", keeping the two in different places means half of what you spend never shows up in your summary.

3. Do you handle more than one currency?

In Splitwise, currency conversion is one of the paid features. If you travel or earn in another currency, that goes from a detail to the reason you subscribe.

It's worth checking how each app converts: if the conversion is recalculated at today's rate, a trip that ended months ago changes amount every time you open it, and the balance between people stops being trustworthy.

4. Will you be able to move your group?

The most honest reason to stay on Splitwise: the network. It's been around for over a decade and a great many people already have it installed. Convincing five people to install something else for a four-day trip is often more work than the switch saves.

For household expenses the maths is different: it's two people and the group lasts years, so installing something once pays off.

The options

Tricount — Free and, per its site, ad-free. It does one thing and keeps it simple. It's the comfortable choice for a one-off trip with a big group. It doesn't track personal spending or handle recurring expenses.

Kesef — Splits expenses and is also a personal expense tracker, so your share of a shared expense reaches your monthly summary. No daily cap, conversion across 60+ currencies, and recurring expenses on the free plan. It shows ads on the free version.

A spreadsheet — Still valid for a small group and a single trip. It stops being valid the moment it has to be maintained for more than a month, or when only one person updates it.

In one line

If you want to split and nothing else, Tricount or Splitwise itself. If you also want to understand your spending and you share a home every month, Kesef is built for that case — the full comparison, with sources and a date, is in Kesef vs Splitwise and Kesef vs Tricount.

Kesef is free, on iPhone and Android

Shared expenses with no cap, 60+ currencies, and the numbers explained.