Splitwise alternative
Splitwise is a well-known way to split bills, but its free plan limits how many expenses you can add each day. MySharedXP keeps every core feature free with no cap: add as many expenses as your trip or household needs, split them four ways and settle up with the fewest payments.
The most common reason is the daily limit on the free plan: on a busy holiday you can hit it before lunch. With MySharedXP there is no limit on groups or expenses, on any plan.
When you want extras such as spending insights, receipt scanning, budgets and recurring expenses, Pro costs €1.99 per month or €11.99 per year. Removing the ads alone costs €2.99 per year.
Everything you need to run a shared budget, without paying:
Export your Splitwise group as a spreadsheet, then create the group in MySharedXP and bring the expenses in with Excel (.xlsx) or CSV import. MySharedXP gives you a template with the right columns, and you can edit everything before importing.
| MySharedXP | Splitwise | |
|---|---|---|
| Expenses on the free plan | Unlimited | Limited per day |
| Split equally, by amounts, percentages or shares | Yes | Yes |
| Fewest-payments settle-up | Yes, saved as a PDF | Yes (simplify debts) |
| Paid plan | €1.99 per month or €11.99 per year | Splitwise Pro subscription |
| Company and data | Dutch company, data on AWS in the EU | US company |
Splitwise details checked in September 2026. Features and prices change, so check splitwise.com for the latest.
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