# Splitwise alternatives for splitting expenses in 2026

> What to check before switching expense-splitting apps: the free plan's daily cap, currency conversion, and whether you also need personal tracking.

_Comparisons · Published 2026-08-18, updated 2026-10-13_

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
150+ 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](/en/features/split-expenses) is built for that case — the full comparison, with
sources and a date, is in [Kesef vs Splitwise](/en/compare/kesef-vs-splitwise) and
[Kesef vs Tricount](/en/compare/kesef-vs-tricount).

## Download

- iPhone (App Store): https://apps.apple.com/app/id6758053806
- Android (Google Play): https://play.google.com/store/apps/details?id=com.kesef.app

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