If Splitwise’s daily limit on free expenses is what bothers you, Tricount, Settle Up, Splid, Spliit, Splitser and MySharedXP all let you add expenses without a daily cap. Which one fits depends on whether everyone wants an account, whether you need it offline, and which country your group is in.
By the MySharedXP team · Published
Part of Splitwise alternative
Splitwise’s free plan limits how many expenses you can add per day and shows ads; Splitwise does not publish the exact number. Its Pro plan removes the limit and adds receipt scanning, currency conversion, charts and search. If that suits you, Splitwise Pro is a solid choice. If you would rather not pay to add expenses, these are the alternatives worth a look.
What each app says about itself on its own website or App Store listing, checked in October 2026. Features change, so check the app before you commit a whole group to it.
| App | Free plan | Account needed | Works on | Good to know |
|---|---|---|---|---|
| Tricount | Free, no ads, no limits | No, you can try it without signing up | iPhone and Android | Owned by the bank bunq; dropped its paid plan in 2026, including CSV/PDF export |
| Settle Up | Free with ads; CSV export included | Members can view balances in a browser without the app | iPhone, Android and web | Works offline; Premium €3.99 a month or €21.99 a year (German App Store) |
| Splid | Free; Excel export is a purchase | No sign-up | Phone app | Works offline; 150+ currencies with automatic conversion; made in Munich |
| Spliit | Free, no ads, open source | No account | Web and iPhone | Funded by donations; can be self-hosted; receipt scanning in beta |
| Splitser | Free with ads; Premium adds export | Yes | iPhone, Android and web | Formerly WieBetaaltWat; popular in the Netherlands and Belgium; pay back by iDEAL or Wero |
| MySharedXP | Free with ads; unlimited expenses; up to 10 active groups | Yes | Any phone or computer as an installable web app; native apps coming soon | Imports Splitwise exports; other currencies converted at the ECB rate for free |
Tricount calls itself free with no ads and no limits, and people can try it without creating an account. It has been owned by the bank bunq since 2022. With its new app in 2026 it dropped its paid plan, and with it CSV and PDF export; for an export you now email bunq support. A good fit if your group wants zero cost and does not mind the bank connection.
Settle Up works offline and syncs later, supports all currencies with live rates, and lets members check balances in a browser without installing anything. The free version shows ads; Premium removes them and adds receipt photos, recurring expenses, statistics and Excel export.
Splid needs no sign-up, converts 150+ currencies automatically and works offline, with optional sync. It is made by an independent developer in Munich. PDF summaries are included; Excel export is an in-app purchase.
Spliit is open source under the MIT licence, free, without ads or accounts, and funded by donations. It runs in the browser and as an iPhone app, and technical users can host it themselves. Receipt scanning is in beta.
Splitser, formerly WieBetaaltWat, says it has 5 million accounts. It runs on iPhone, Android and the web, and lets people pay each other back with iDEAL, Wero or Bancontact. The free app shows ads; Premium adds CSV and PDF export.
MySharedXP, which publishes this guide, has no cap on expenses on any plan, splits four ways and settles with as few payments as possible. It recognises a Splitwise export, so a group can move over with its history. Other currencies are converted at the ECB rate of each expense’s day on the free plan. It needs a connection to add expenses, everyone needs a free account, and it runs as an installable web app until the native apps arrive. Pro adds insights, receipt scanning, budgets and recurring expenses.
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