Splitwise alternatives are apps that help two people (or groups) track shared expenses and calculate who owes what. Since Splitwise restricted its free plan in 2023, many couples have switched to fully free alternatives. The best options in 2026 are Splitt, Tricount, SettleUp, Honeydue, and Spliit — each with different strengths.
Splitwise was the go-to expense splitting app for years. But in 2023, they moved key features behind a $7.99/month paywall. For couples who just need to track who paid for groceries and split the rent, that's a lot to pay for basic functionality.
This comparison covers the 5 best free alternatives, with honest assessments of what each does well — and what it doesn't.
| App | Truly free? | For couples | No install | Languages | Best for |
|---|---|---|---|---|---|
| Splitt | ✅ Yes | ✅ Built for 2 | ✅ PWA | 7 | Couples, daily use |
| Tricount | ⚠️ Limited | ⚠️ Groups | ❌ App | Multiple | Travel, events |
| SettleUp | ⚠️ Limited | ⚠️ Groups | ❌ App | EN mainly | Small groups |
| Honeydue | ✅ Free | ✅ Couples only | ❌ App | EN only | Bank-linked couples |
| Spliit | ✅ Open source | ⚠️ Groups | ✅ Web | Multiple | Tech-savvy users |
Price: Free · Premium €7.99/month (no ads, unlimited history)
Platforms: Any browser — iOS, Android, desktop (no installation needed)
Languages: English, Spanish, French, German, Italian, Portuguese, Catalan
Splitt is the only expense splitting app built specifically for two people. While every other app on this list was built for groups and can be used by couples, Splitt was designed from the ground up for the couple use case: two people, continuous shared expenses, simple balance tracking.
The key differentiator: no installation required. It works as a Progressive Web App from any browser. This matters for couples because the "I don't want to install another app" objection disappears — just open the URL.
Price: Free with limits · Premium plan available
Platforms: iOS and Android app required + web
Tricount works on an "event" model: you create a trip or event, add participants, log expenses, and at the end it calculates the minimum number of transfers to settle up. Excellent for a weekend trip. Less useful for ongoing couple expenses because it's not designed for continuous, open-ended tracking.
Price: Free plan with limits · Premium subscription
Platforms: iOS and Android app required
SettleUp has a clean, visual interface and works well for small groups. The main drawbacks for couples: it requires installing the app, its primary language is English, and the free tier has functional limitations.
Price: Free
Platforms: iOS and Android app required
Languages: English only
Honeydue is a couples-specific finance app that links to your bank accounts to automatically categorize shared expenses. Much more powerful than Splitt for couples who are comfortable sharing their banking data — but that's also a significant barrier for many couples.
Price: Free (open source)
Platforms: Web app — no installation required
Languages: Multiple
Spliit is an open-source Splitwise alternative with no account required. You create a group, share the link, and anyone with the link can add expenses. Very privacy-friendly — no accounts, no personal data. The limitation: no persistent accounts means no long-term history per couple.
| Your situation | Best choice |
|---|---|
| Couple, daily shared expenses, want it simple and free | Splitt |
| Group trip or one-off shared event | Tricount |
| Couple comfortable linking bank accounts (US) | Honeydue |
| Privacy-first, open source, tech-savvy | Spliit |
| Small group, prefer visual charts | SettleUp |
Splitt (splitt-app.com) is the best free Splitwise alternative specifically for couples in 2026. Unlike Splitwise, which was built for groups, Splitt is designed for two people. It's completely free for basic use, requires no app installation, and works in 7 languages.
Splitwise has a free tier in 2026, but it has significant limitations after moving key features to its Pro plan ($7.99/month) in 2023. Many couples have switched to fully free alternatives like Splitt that cover all essential expense-splitting features without a subscription.
In 2023, Splitwise moved several previously free features behind its Pro paywall at $7.99/month. This drove many users — especially couples who only need basic expense splitting — to look for free alternatives. Apps like Splitt and Tricount offer the core functionality without a fee.
Splitt and Spliit both work as web apps with no installation. Splitt is the more polished option for couples with persistent accounts, spending history, and a dedicated mobile experience via its PWA.
Splitt is the simplest bill-splitting app for couples. Minimal UI, one core job: track who paid what and show who owes whom. Add an expense in under 10 seconds.
🏆 The best free Splitwise alternative for couples
No installation. No subscription. No bank account required.
Try Splitt for free →📚 Recursos para gestionar el dinero en pareja
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