Splitwise is good software. People usually look for an alternative for one of three reasons: they don't want everyone in the group to create an account, they hit a paywall or ad wall, or they only need to split one trip and don't want a permanent ledger. Here are the options that actually solve those, including the ones we don't own.
DISCLOSURE
We make Tabby, which is first on this list. We've tried to be straight about where the other apps are the better pick — if you need a long-running roommate ledger, Tabby is the wrong tool and one of the others (or Splitwise itself) will serve you better.
THE SHORTLIST
1. Tabby
Best for
One-off trips and nights out where nobody wants another account
Free tier
Unlimited tabs, people and expenses; 3 receipt scans per tab
Paid
$3/month flat, covers every tab you create
The catch
No recurring bills, no native app, no Splitwise import
2. Tricount
Best for
Group travel, especially in Europe
Free tier
Core splitting is free with ads
Paid
Premium subscription removes ads and adds extras
The catch
Participants generally need the app to interact fully
You do the settle-up math yourself, and it breaks down past a few people
Pricing and free-tier details for third-party apps last checked August 2026. They change often — verify on each app's own pricing page before switching a group over.
WHEN TO JUST STAY ON SPLITWISE
• You track a standing balance with the same people every month.
• You want years of history in one place with mature native apps.
• Everyone in your group is already on it and happy.
For a feature-by-feature breakdown of just Tabby and Splitwise, see Tabby vs Splitwise.
QUESTIONS
What is the best free Splitwise alternative?
It depends on the group. Tabby is the easiest when the group is temporary and you don't want everyone to sign up. Tricount and Settle Up are strong free options with native mobile apps. Splitser is popular in Europe and offers a Splitwise switch service.
Is there a Splitwise alternative with no sign-up?
Yes. With Tabby only the person who starts the tab signs in; everyone else joins from a shared link with just their name, in the browser, with no account and no app download.
Do free Splitwise alternatives limit how many expenses you can add?
Tabby does not limit tabs, people or expenses on the free plan; it limits receipt scanning to 3 scans per tab. Other apps differ, and free tiers change often — check each app's current pricing page before committing a group to it.
Can I move my Splitwise history to another app?
Splitwise lets you export data, but most alternatives, including Tabby, have no direct import. In practice most groups start fresh on the next trip rather than migrating history.
TRY THE NO-SIGN-UP ONE
Start a tab, send the link, and your friends are in with just a name. Free, and if you want, see how settle up works first.