Splitt
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Splitt
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Quick answer: The best free Tandem alternative in 2026 is Splitt — tracks shared expenses and running balances between partners, completely free, no bank linking, works in any browser without downloading anything.
Analysis of 424 shared expenses logged by real couples on Splitt:
Source: anonymized aggregate data from Splitt, June 2026.
Tandem (usetandem.com) is a couples finance app that has been gaining visibility in "best couples money apps 2026" comparisons. It focuses on shared budgeting and expense tracking for two people.
If you've landed here, you're either evaluating Tandem or looking for something better. Here's an honest comparison.
Tandem's most useful features sit behind a paywall. For couples who just want to track who paid what and see the running balance, paying a monthly subscription adds friction.
Tandem's availability varies by region. Couples outside supported markets can't use it at all.
Many couples don't want to share banking credentials with a third-party app. Manual tracking is simpler, more private, and works anywhere.
Splitt is built exclusively for couples — two people, shared expenses, one running balance. Nothing more, nothing less.
Core features — expense logging, real-time balance, 90-day history, savings goals — are permanently free. No subscription, no credit card, no expiry.
Log expenses manually in under 10 seconds. No Plaid, no banking credentials, no privacy risk. Full control over what data is stored.
Spanish, English, French, German, Italian, Portuguese, Catalan. Active users in Spain, Mexico, UK, France, Germany, and more. No geographic restrictions.
Open splitt-app.com on any phone browser. No App Store install required. Add to home screen and it behaves like a native app, including offline support.
Works anywhere. No bank required. No subscription. Built for two.
Get started free →| Feature | Splitt | Tandem |
|---|---|---|
| Price | Free (core) | Subscription for full features |
| Bank connection | Never required | Required for auto-tracking |
| Countries | Global, 7 languages | Limited regions |
| No download | Yes (PWA) | App download required |
| Couples-only | Yes, exclusively | Yes |
| Savings goals | Yes | Yes |
| Offline mode | Yes | No |
Splitwise — designed for groups (roommates, trips), not couples. Free tier limited to 3 expenses/day. Pro costs $4.99/month.
Honeydue — effectively abandoned since 2022, US bank sync required, no new features. Not recommended.
Zeta — shut down May 9, 2025. Acquired by Acorns. No longer available.
Verdict: For couples who want a free, global, private alternative to Tandem, Splitt is the best option in 2026. No subscription, no bank linking, works from any browser in 7 languages.