TABBY VS SPLITWISE
Both apps split shared expenses and tell you who owes whom. The real difference is what they're built around: Tabby is built for one-off trips and nights out where you don't want everyone to sign up, and Splitwise is built for ongoing shared finances between people who all have accounts.
THE SHORT ANSWER
Pick Tabby if the group is temporary, some people won't install an app, and you want to photograph receipts instead of typing them. Pick Splitwise if you're tracking a standing balance with the same people month after month, or you need a long history and a big ecosystem of integrations. Splitwise has been around far longer and does that job well.
SIDE BY SIDE
| Feature | Tabby | Splitwise |
|---|---|---|
| Friends need an account | No — only the tab starter signs in | Yes — each participant needs an account |
| App download | No, runs in the browser | iOS, Android, and web |
| Free plan | Unlimited tabs, people and expenses; 3 receipt scans per tab | Core splitting free, with daily limits on some actions and ads |
| Paid plan | $3/month, covers every tab you create | Splitwise Pro, priced per user (see their pricing page) |
| Receipt scanning | Yes — camera or photo library, 3 free per tab then Pro | Yes, on their paid plan |
| Shares / percentage splits | Yes, on Pro | Yes, including exact amounts and adjustments |
| Multi-currency | Yes, on Pro, auto-converted | Yes |
| Minimum-payment settle up | Yes, and anyone in the group can mark it paid | Yes |
| Ongoing / recurring bills | Not supported | Yes — this is their strength |
| Bank connections | No, by design | No |
| Import from the other app | No | No |
Splitwise details last checked August 2026 against splitwise.com/pricing. Their plans change; check the source before relying on the paid-plan row.
WHERE SPLITWISE IS BETTER
- • Long-running balances with the same people — roommates, partners, recurring bills.
- • Years of history in one place, with native mobile apps and a mature ecosystem.
- • A large user base, so the people you split with may already be on it.
WHERE TABBY IS BETTER
- • Zero sign-up friction for everyone except the organizer — the link is the key.
- • Fast receipt capture on a phone, including iPhone HEIC photos.
- • Groups that exist for one weekend and then stop existing.
- • Flat $3/month that covers every tab you create, not per person.
QUESTIONS
- Is Tabby a good Splitwise alternative?
- Tabby is a good fit if you split expenses on one-off trips and nights out and you don't want everyone in the group to create an account. Splitwise is the better fit for ongoing, long-running shared finances like roommates who split bills every month.
- Do people need an account to use Tabby?
- Only the person who starts the tab signs in. Everyone else joins from the shared link with just a name — no account and no app download.
- How much does Tabby cost?
- Tabby is free, including unlimited tabs, people and expenses, plus 3 receipt scans per tab. Tabby Pro is $3 per month and adds unlimited receipt scanning, multi-currency, shares and percentage splits, and reminders.
- Does Tabby scan receipts?
- Yes. Photograph a receipt or pick one from your photo library and Tabby fills in the merchant, total and date. The free plan includes 3 scans per tab; Pro is unlimited.
- Can I import my Splitwise data into Tabby?
- No. Tabby has no Splitwise import. Tabby is built around short-lived tabs, so most people simply start a new tab for their next trip rather than migrating history.
TRY IT ON ONE TRIP
Free to start, and nobody else has to sign up. See pricing for the full breakdown.
START A TAB →