Splitt
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Splitt
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Splitwise is the most well-known expense splitting app in the world — and for good reason. It works well, it's been around for years, and millions of people trust it. But if you've been using the free tier recently, you've probably noticed the friction: the limits on how many expenses you can add, the prompts to upgrade, the features locked behind a $3.99/month paywall.
For couples and roommates who just need to track shared expenses without paying a monthly subscription, those limits are frustrating. This article covers the best free, unlimited Splitwise alternatives in 2026 — including a direct feature comparison.
Splitwise's free tier has become increasingly limited over time. The specific restrictions change, but the pattern is consistent: the more useful the feature, the more likely it's locked behind Splitwise Pro ($3.99/month or $39.99/year).
For people who need Splitwise's advanced features — multi-currency, receipt scanning, detailed payment history — the subscription is probably worth it. But for the majority of users who just want to track who owes whom, the free tier's limitations are a source of genuine frustration.
The most common complaint: "I just want to log a few shared expenses with my partner. Why do I need to pay $4/month for that?" If that sounds familiar, you need a Splitwise alternative — not a Splitwise upgrade.
| Feature | Splitt (free) | Splitwise (free) |
|---|---|---|
| Expense logging limit | Unlimited | Limited per day |
| Real-time balance | Yes | Yes |
| Full expense history | Yes, forever | Yes |
| App installation required | No (PWA) | Yes |
| Receipt scanning | No | Pro only |
| Multi-currency | No | Pro only |
| Designed for 2 people | Yes | No (group-focused) |
| Monthly cost | $0 | $0 (with limits) / $3.99 |
Splitwise remains the best option in specific scenarios:
If any of those apply, Splitwise Pro is worth the $3.99/month. It's a genuinely good product. The issue is paying for it when you only need basic two-person expense tracking.
Splitt is the right call when:
Splitt was built for exactly two people sharing expenses continuously. It's not trying to compete with Splitwise on group features — it's trying to do the two-person use case better, simpler, and completely free.
No daily limits, no trial period, no $3.99/month. Just two people, one real-time balance.
Try Splitt free →If you're currently using Splitwise and want to switch, the process is straightforward:
You don't need to migrate historical data. The best time to start a clean balance tracker is when you've just settled up anyway. From that point forward, Splitt handles everything — no limits, no subscription, no interruptions.
The best free Splitwise alternatives in 2026 are Splitt (best for couples and two-person use, unlimited free), Tricount (best for one-off group trips, no account needed), and Settle Up (best for larger groups needing multi-currency). Splitt is the only one with no usage limits on the free tier.
No. Splitwise's free tier has limits on the number of expenses you can add per day. For unlimited expense logging, Splitwise charges $3.99/month (or $39.99/year) for their Pro plan. Splitt offers unlimited expense logging for free.
Yes. Splitt's core features — unlimited expense logging, real-time balance, full history, partner sync — are free with no daily limits, no trial period, and no credit card required. An optional premium tier is available but never required for the core experience.
Splitwise Pro offers receipt scanning, currency conversion, payment reminders, and ad removal. Splitt doesn't have receipt scanning or multi-currency support. But for couples tracking shared expenses in the same currency, Splitt's free features cover everything you actually need.