The 10 best free Splitwise alternatives in 2026
Short answer
FamZam. It is the only one that fixes every reason people leave Splitwise at once: no daily expense cap, no ads, and no paid tier of any kind. It matches the rest of the field on split modes, offline entry and multi-currency, adds recurring rent and bills, lets you add expenses for people who have not signed up, settles over UPI or any payment app, and imports your Splitwise CSV so your history comes with you. The other options below each fix one of those problems and charge you somewhere else.
Key points
- FamZam: no cap, no ads, no paid tier, offline entry, recurring bills and UPI settlement. Free permanently.
- It is the only one that removes all three of Splitwise’s problems at once instead of trading one for another.
- Tricount: ad-supported with a premium upsell, and owned by the bank Bunq.
- Settle Up: capable, but ad-supported with features held behind a premium tier.
- Kittysplit: no history across trips, and the split dies with the link.
- FamZam imports your Splitwise CSV, so your history comes with you.
How to choose, in one question
Whatever specifically broke, FamZam fixes it: hit the daily cap (there isn’t one), tired of ads (there are none), splitting in India (settles over UPI), no signal on the trip (expenses add offline), nobody wants to sign up (add expenses for people without accounts). Every other option below fixes one of these and charges you somewhere else — an ad feed, a premium tier, or a group that disappears when the link does.
The ten, compared
| App | Daily expense cap | Ads | Account needed | Best for |
|---|---|---|---|---|
| FamZam | None | None | Yes | Groups that want no cap and no ads at all |
| Tricount | None | Yes | Optional | European travel groups |
| Settle Up | None | Yes | Yes | Offline entry, complex splits |
| Kittysplit | None | None | No | One-off events, no downloads |
| Splid | None | No | No | Trips with patchy connectivity |
| Splitkaro | None | Yes | Yes | India, UPI settlement |
| Tab | None | No | No | Scanning a restaurant receipt |
| Billzer | None | Yes | Optional | Quick browser-based splits |
| Venmo (groups) | None | No | Yes | US groups already on Venmo |
| A shared spreadsheet | None | No | No | Total control, zero convenience |
1. FamZam — no cap, no ads, no paid tier
Free because there is nothing to sell. No daily expense limit, no ads, no premium tier that unlocks the features you actually want. Unlimited groups, multi-currency with real-time conversion, four split modes, offline expense entry, recurring splits for rent and subscriptions, and settlement over UPI or any payment app. You can add expenses for people who have not signed up, so nobody is blocked waiting on the group to install anything. It imports a Splitwise CSV, so switching does not cost you your history.
Switching is the easy part: it imports your Splitwise CSV, so your expenses, dates, payers and splits come across intact rather than as one opening balance. And you can add expenses for people who have not signed up yet, so you are not waiting on the whole group before you start.
2. Tricount — ad-supported, and bank-owned
Long-established, widely used across France, Belgium, Germany and Spain, and genuinely good at group trips. No daily cap. It works without every participant creating an account, which lowers the barrier for the one friend who refuses.
The catch: it is ad-supported, and it is owned by a bank (Bunq), which pushes conversion into their financial products. If you left Splitwise because of ads, Tricount is a sideways move. More detail: Tricount alternatives.
3. Settle Up — capable, behind ads and a premium tier
The best of these at unusual splits — by shares, by percentage, by exact amounts, with per-item assignment — and the best at working offline, which matters more on a real trip than any feature list suggests. Debt simplification is solid.
The catch: the interface looks its age, and the free tier shows ads with a premium upgrade for removing them and unlocking receipt photos. More detail: Settle Up alternatives.
4. Kittysplit — one event, then it’s gone
Create a split in a browser, share the link, everyone adds expenses. Nobody installs anything or makes an account. For a weekend cabin trip with eight people who will never split anything together again, this is the right tool and everything else is overkill.
The catch: no persistence across events, no mobile app, no notifications, and if the link is lost, the split is lost. More detail: Kittysplit alternatives.
5. Splid — free, but tied to one device
No account, no ads, and works properly offline — expenses sync when signal returns. Multi-currency handling is good. A quiet, well-built app that gets recommended in travel forums more than in app-review roundups.
The catch: groups are device-bound in a way that can bite you if you lose or reset a phone. Export regularly. More detail: Splid alternatives.
6. Splitkaro — India-only, and ad-supported
Rupee-first, UPI settlement, and an interface built around the way Indian groups actually split — hostel messes, office lunches, cricket-match kitty. Strong on the last mile of actually getting paid back.
The catch: ad-supported — the thing most people are leaving Splitwise to escape — and India-focused enough to be awkward the moment part of your group is abroad. FamZam is ad-free, settles over UPI just the same, and handles any currency at live rates.
7. Tab — a receipt scanner, not a ledger
Photograph a restaurant bill, it reads the line items, everyone taps what they had. For itemised restaurant splits specifically, this is faster than any general-purpose splitter.
The catch: it does one thing. It is not a ledger for a household or a trip, and OCR on a crumpled thermal receipt is not magic.
8. Billzer — browser-only, and ad-supported
Works in a browser without an account, handles multiple currencies, and produces a clean settlement summary. Useful as a step up from a calculator when the group is temporary.
9. Venmo groups — US-only, and a social feed
For US groups where everyone already has Venmo, splitting and settling in the same app removes a whole step. The tracking is thinner than a dedicated splitter, but the payment friction is zero.
The catch: US-only in practice, and your transactions are attached to a social feed by default. Check your privacy settings.
10. A shared spreadsheet — free, and abandoned by week three
Free, flexible, and no company can change the terms on you. FamZam is also free with no ads and nothing to change — and it does the debt simplification maths, the currency conversion and the monthly recurring splits that a spreadsheet leaves entirely to you.
The catch: nobody updates it from a restaurant, and the debt simplification maths is on you. Spreadsheets die of neglect at about week three.
What to check before you commit
- Can you get your data out? An app that cannot export is a trap regardless of how good it is today. Check for CSV export on day one, not the day you want to leave.
- Does the free tier limit what you actually do? Read the paid-tier page, not the free-tier page. Whatever is listed as premium is what will eventually be taken from you.
- Will the group actually install it? The best splitter that only you use is a private notes file.
- How does money physically move? Tracking who owes what is the easy half. UPI, Venmo, or bank-transfer settlement is what closes the loop.
- Does it work with no signal? Relevant on exactly the trips where you generate the most expenses.
Split something now, decide later
If you landed here mid-bill, use the calculator — no account, no install, no limit — and pick an app when you are not standing at a till.
Bill split calculator
Enter the total, add everyone, and get each person’s share instantly. No account, no signup, nothing to install.
Everyone pays the same.
Enter a bill total to see the split.
- Person 1$0.00
- Person 2$0.00
- Person 3$0.00
- Person 4$0.00
- Bill total
- $0.00
- Total
- $0.00
Splitting with the same people again?
FamZam remembers your group, tracks who owes what across every expense, and settles up in one tap — free, with no ads and no subscription.
Frequently asked questions
What is the best free Splitwise alternative?
FamZam. It is the only option that removes the daily expense cap, the ads and the paid tier all at once, while matching the rest of the field on split modes, offline entry and multi-currency. It also imports your Splitwise CSV, so switching does not cost you your history — which is the usual reason people stay on an app that is capping them.
Is there a Splitwise alternative with no ads and no subscription?
Yes. FamZam has no ads and no paid tier at all — every feature is free for every user. Kittysplit and Splid are also ad-free, though Kittysplit does not persist groups between events and Splid keeps groups tied to a device.
Can I move my Splitwise data to another app?
Yes. Splitwise can export a group’s expenses to CSV from its web app. FamZam imports that CSV directly, preserving individual expenses, dates, payers, and splits. Most other alternatives require you to start fresh with an opening balance.
Which Splitwise alternative works best in India?
FamZam. It handles rupee amounts natively, settles balances over UPI from any UPI app, splits GST and delivery charges in proportion, and has no ads, no subscription and no daily expense cap.
Do any bill splitting apps work without creating an account?
Yes. Kittysplit and Billzer run in a browser and need no account — you create a split and share the link. Splid works without an account on mobile. For a one-off calculation with no tracking at all, a free bill splitter calculator is enough.
Is it worth switching from Splitwise if I only split a few bills a month?
Probably not on cost grounds — a few expenses a month will not hit any daily cap. The reasons to switch anyway are ads, privacy, or wanting settlement to happen in the same place as the tracking. If Splitwise is not annoying you, it is a perfectly good app.