You've searched "free money app for couples." You've downloaded two or three. And then, somewhere between day 10 and day 30, the paywall appears. A banner. A popup. A "you've reached your limit" message. Suddenly the app that was supposed to simplify your finances is asking for $4.99/month.
This is the standard playbook for most finance apps: offer a taste for free, then lock the features you actually use behind a subscription. It's called a freemium model, and it's everywhere.
The problem is that most couples don't need premium finance features. They need one thing: a clear, shared view of who paid what and who owes what. That's it. And they need it for free, permanently, without having to re-evaluate a subscription every month.
When we say completely free, we don't mean:
We mean: you sign up, you use it every day for a year, you never see a payment screen, and the app still works exactly the same. That's the standard Splitt holds itself to.
Splitwise introduced expense limits on their free plan in 2023. As of 2026, the free tier restricts how many expenses you can add per month and cuts off access to most analytics. If you're an active couple, you'll hit the limit within two weeks. The full product costs $4.99/month.
Tricount is designed for group expense splitting (trips, roommates, events). The free version works, but it's built around groups of 3+ people. As a couple app, the interface feels off, and the feature set doesn't match what two people managing daily shared expenses actually need. Premium is €3.99/month.
Google-owned Honeydue was free and genuinely good for couples. But Google shut it down in April 2026. If you were a Honeydue user, Splitt is the recommended replacement.
| App | Actually free? | Expense limit | Couple-focused | No install needed |
|---|---|---|---|---|
| Splitwise | ✗ Limited | Yes (low) | ✗ Groups | ✗ |
| Tricount | Mostly | No limit | ✗ Groups | ✗ |
| Goodbudget | 10 envelopes only | Yes (10 cat.) | Partial | ✗ |
| Honeydue | ✗ Shut down | — | ✓ | ✗ |
| Splitt | ✓ 100% free | None | ✓ | ✓ PWA |
No asterisks. No "limited to X per month." Here's what's completely free, forever:
Fair question. How is a well-built, actively maintained app completely free?
Splitt has a Premium tier for couples who want advanced features — things like deeper analytics, future-planning tools, and priority support. A small percentage of users choose to pay for those extras. That revenue funds the free tier for everyone else.
The core experience — tracking shared expenses and knowing who owes what — will always be free. That's a commitment, not a marketing tactic. Splitt was built on the principle that couples shouldn't have to pay to track their shared money.
Correct. There is no limit on how many expenses you can add on the free plan. You can log 5 expenses a month or 500 — Splitt doesn't care. The free tier is designed to be fully functional for real couples in real life, not a teaser for an upgrade.
No. The free features are committed to staying free. If Splitt ever changes its pricing model, existing users would be given significant notice and a clear path to export their data. But the plan is that the core expense tracking remains free permanently.
Premium includes advanced analytics, future expense planning, custom categories with deeper reporting, and priority support. These are genuinely "nice to have" features — they enhance the experience but aren't required for the core use case of tracking who paid what.
Yes, both partners create a free account. One person creates the couple's shared space and invites the other via email. The invited partner creates their own account (also free) and joins. Both accounts are free forever.
✨ The only couples money app that's 100% free — for real.
Unlimited expenses · Real-time sync · No credit card · No expiry.
Start for Free →