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Splitwise

splitwise.com

Free plan WebiOSAndroidAPI
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Spec score 8.8 #3 of 24 in Peer-to-Peer Payment Apps

What it is

Splitwise organizes shared expenses and IOUs for friends, families, housemates, and trip groups. Users can divide costs equally or unequally, including by percentage or shares, while the service calculates balances and can simplify debts among group members. It includes recurring expenses, offline mode, and cloud sync, and lists support for more than 100 currencies. Pro adds currency conversion using current foreign exchange rates, receipt scanning, itemization, charts, graphs, and expense search. Users can record cash or online payments; Splitwise Pay supports sending payments to friends in the United States. Pro transaction import connects a credit or debit card to show recent purchases for splitting, a feature currently available only in the US. Splitwise is available on Android, iOS, and the web, and offers an API for authorized third-party access. Expense details are visible to the friends or group members they are shared with. The free plan costs nothing and includes unlimited expenses, groups, friends, and balances. Splitwise says its expense and payment records are informal and not legally binding.

Spec sheet

What it does
Splitwise is a Providence-based service for recording shared bills and IOUs so participants can see who owes whom.Read 15 Oct 2026 · splitwise.com
Purpose
Splitwise organizes shared expenses and IOUs so friends, family, housemates, and trip groups can track who owes whom.Read 30 Sep 2026 · splitwise.com
Free plan
YesRead 20 Sep 2026 · secure.splitwise.com
API
Splitwise provides a third-party API that other applications can use to access a user's account data with the user's authorization.Read 30 Sep 2026 · dev.splitwise.com
Integrations
Pro transaction import connects a credit or debit card to show recent purchases for splitting, and the site says this feature is currently available only in the US.Read 30 Sep 2026 · splitwise.com
Security
Splitwise says it uses technical and administrative security measures, including encryption techniques and authentication procedures, to protect online sessions.Read 30 Sep 2026 · splitwise.com
Privacy
Expenses are not public, and details are visible to the friends or group members with whom the user shares them.Read 30 Sep 2026 · splitwise.com
Support
Splitwise lists email support and says it aims to reply to most support requests within one business day.Read 30 Sep 2026 · splitwise.com
Headquarters
Providence, Rhode Island, USARead 28 Sep 2026 · splitwise.com
Founded
2011Read 28 Sep 2026 · splitwise.com
Android data safety
Google Play states that data is encrypted in transit, no data is shared with third parties according to the developer declaration, and users can request deletion.Read 15 Oct 2026 · play.google.com
API authentication
Documented endpoints support OAuth and API-key authentication and expose JSON request and response examples.Read 15 Oct 2026 · dev.splitwise.com
API commercial limits
The self-serve API is intended for hobbyist or internal work, excludes fee-based commercial services, has conservative changeable limits and may require Pro.Read 15 Oct 2026 · dev.splitwise.com
API licence
API access is granted under a revocable, non-transferable, non-sublicensable limited licence with restrictions against competing applications and reverse engineering.Read 15 Oct 2026 · dev.splitwise.com
Charts and budgeting
Pro provides spending-by-category charts and trend views for budget monitoring.Read 15 Oct 2026 · secure.splitwise.com
Company founding
LinkedIn lists Splitwise Inc. as founded in 2011 and headquartered in Providence, Rhode Island.Read 15 Oct 2026 · linkedin.com
Company size
LinkedIn lists Splitwise as privately held with 11–50 employees.Read 15 Oct 2026 · linkedin.com
Currencies
The site lists support for 100+ currencies, and Pro offers currency conversion using current foreign exchange rates.Read 30 Sep 2026 · splitwise.com
Currencies and languages
The product advertises support for more than 100 currencies and at least seven languages.Read 15 Oct 2026 · splitwise.com
Currency conversion
Pro converts group bills into a chosen currency using current foreign-exchange rates.Read 15 Oct 2026 · secure.splitwise.com
Debt simplification
Splitwise calculates a reduced repayment plan intended to minimize the number of transfers between people.Read 15 Oct 2026 · splitwise.com
Default splits
Pro lets groups save default allocation rules such as fixed percentage or share ratios.Read 15 Oct 2026 · secure.splitwise.com
Expense search
Pro includes search across historical expenses for checking and editing old entries.Read 15 Oct 2026 · secure.splitwise.com
Expense tracking
Users can add expenses, debts and IOUs, then view balances and repayment obligations.Read 15 Oct 2026 · splitwise.com
Funding news
A company press release dated April 28, 2021 announced a $20 million Series A led by Insight Partners.Read 15 Oct 2026 · prnewswire.com
Group organization
The service supports separate groups or friendships for trips, households, families and other shared-cost situations.Read 15 Oct 2026 · splitwise.com
Limit: free-tier caps
Google Play and Trustpilot reviewers repeatedly complain that free accounts are limited to only a few expenses or actions per day, sometimes with wait screens.Read 15 Oct 2026 · play.google.com
Limit: missing iPad workflows
An App Store reviewer reports no iPad split-screen support and inability to itemize a receipt from an existing photo.Read 15 Oct 2026 · apps.apple.com
Limit: payment support
An App Store reviewer reports that payment options such as Zelle are unavailable and that bank connections are unsatisfactory.Read 15 Oct 2026 · apps.apple.com
Limit: upselling and value
Trustpilot reviewers frequently criticize repeated Pro prompts, ads and the annual price after free-tier restrictions were introduced.Read 15 Oct 2026 · trustpilot.com
Notable limit
Splitwise says its expense, IOU, debt, and payment entries are informal records and are not legally binding.Read 30 Sep 2026 · splitwise.com
Offline and cloud
The mobile apps allow offline expense entry and synchronize expense data online for account access across devices.Read 15 Oct 2026 · play.google.com
Offline and sync
The feature list includes offline mode and cloud sync.Read 30 Sep 2026 · splitwise.com
Payment integrations
Official app descriptions list Venmo and PayPal payments in the United States and Paytm payments in India.Read 15 Oct 2026 · play.google.com
Payments
Splitwise lets users record cash or online payments, and its US-only Splitwise Pay wallet supports sending payments to friends.Read 30 Sep 2026 · splitwise.com
Praise: convenience
Independent reviewers repeatedly praise the app for making group trips, household bills and repayment tracking easier and clearer.Read 15 Oct 2026 · trustpilot.com
Praise: flexible splitting
App Store reviewers praise the ability to split receipts and expenses by item, percentage or other custom allocations.Read 15 Oct 2026 · apps.apple.com
Privacy and security
Splitwise says it uses Plaid for linked-account data, requires consent for third-party API access, and processes data for fraud, security and regulatory purposes.Read 15 Oct 2026 · splitwise.com
Public API
Splitwise publishes an OpenAPI 3.0 self-serve API covering users, expenses, groups and related account data.Read 15 Oct 2026 · dev.splitwise.com
Rating on Apple App Store
4.0 out of 5 from 29K ratingsRead 15 Oct 2026 · apps.apple.com
Rating on Google Play
4.0 out of 5 from 195K reviewsRead 15 Oct 2026 · play.google.com
Rating on Trustpilot
2.0 out of 5 from 72 reviewsRead 15 Oct 2026 · trustpilot.com
Receipt scanning
Pro scans photographed receipts and detects line items for assignment to participants.Read 15 Oct 2026 · secure.splitwise.com
Recurring bills
Recurring expenses can be scheduled monthly, weekly, yearly or fortnightly.Read 15 Oct 2026 · apps.apple.com
Scale disclosed
The 2021 funding announcement said more than $90 billion in transactions had been split on the platform by April 2021.Read 15 Oct 2026 · prnewswire.com
SDK ecosystem
The API documentation links to unofficial community SDKs for Dart, Elixir, Go, Haskell, Java, JavaScript, Python, Ruby and Rust.Read 15 Oct 2026 · dev.splitwise.com
Self-hosting
The published materials describe hosted web and mobile services and an API; they do not provide a self-hosted deployment package.Read 15 Oct 2026 · dev.splitwise.com
Split methods
Expenses can be divided equally or by percentages, shares, exact amounts and adjustments.Read 15 Oct 2026 · apps.apple.com
Splits
Users can split expenses equally or unequally, including by percentage or shares.Read 30 Sep 2026 · splitwise.com
Support documentation
The Help Center is organized into balances and expenses, getting started, account issues, groups, payment integrations, Pro and Splitwise Pay categories.Read 15 Oct 2026 · kb.splitwise.com
System requirements
The iOS listing requires iOS 16.0 or later, with iPadOS 16.0+ and visionOS 1.0+ support.Read 15 Oct 2026 · apps.apple.com
Transaction import
Pro users in the United States can connect a credit or debit card to import recent purchases.Read 15 Oct 2026 · secure.splitwise.com
Who can use it
Splitwise says its service is not for children under 13.Read 30 Sep 2026 · splitwise.com

Plans and prices

Individual + Trip Pass Price not published All Splitwise Pro features · One annual Trip Pass Read 20 Sep 2026 · kb.splitwise.com
Duo + Trip Pass Price not published 2 people Read 20 Sep 2026 · kb.splitwise.com
Monthly subscription Price not published All Splitwise Pro features Read 20 Sep 2026 · kb.splitwise.com
Free Free Shared expenses and balances · groups and friends · equal or unequal splits · recurring expenses · offline mode · cloud sync · unlimited expenses Read 30 Sep 2026 · splitwise.com
Free Free Up to 4 expenses per day · core expense splitting · ads/feature limits Read 15 Oct 2026 · kb.splitwise.com
Splitwise Pro monthly $4.99 a month monthly Unlimited expenses · transaction import · currency conversion · receipt scanning/itemization · charts · search · ad-free Read 15 Oct 2026 · androidcentral.com
Splitwise Pro annual $39.99 a year yearly Unlimited expenses · transaction import · currency conversion · receipt scanning/itemization · charts · search · ad-free Read 15 Oct 2026 · androidcentral.com
Splitwise Pro Priced on request Unlimited expenses · transaction import (US only) · currency conversion · charts and graphs · receipt scanning and itemization · expense search · default split settings · no ads Read 30 Sep 2026 · splitwise.com

Every Splitwise plan and price →

Strong points and limits

Strong points

  • Supports equal and unequal expense splits.
  • Includes offline mode and cloud sync.
  • Free plan includes unlimited expenses.
  • Provides an API for authorized third-party access.

Limits

  • Entries are informal and not legally binding.
  • Card transaction import is currently US-only.
  • Splitwise Pay is US-only.

Who it suits

It suits people sharing household or trip costs who need to track balances and divide expenses in different ways. It is not intended for children under 13.

Splitwise in depth

Read the full write-up

Splitwise is a shared-expense tracker for friends, households and travel groups. It is best for people who want to divide bills flexibly and keep a running view of group debts. The free plan is unusually capable on expense volume, but Splitwise is a coordination tool, not a formal debt record or international payment service.

Overview

Members can log shared expenses and cash or online payments, then see the balances showing who owes whom. Equal, percentage-based and share-based splits cover both straightforward bills and uneven contributions. For groups with several people owing one another, debt simplification can reduce the number of repayments needed to settle up.

Expenses are visible to the friends or group members they are shared with, not public. Splitwise says its expense, IOU, debt and payment entries are informal records and are not legally binding. That makes it suitable for day-to-day coordination among people who trust one another, but a poor substitute for formal accounting or documentation of enforceable obligations. The service is not for children under 13.

Key features

Flexible splits and recurring expenses: Equal splits are quick for shared bills; percentage and share-based allocations handle uneven responsibility. Recurring expenses help with costs that repeat, such as household bills.

Balances and debt simplification: Group totals give members a common view of what is owed, while simplifying debts can cut down the number of repayments. This is useful for multi-person households and trips, though the entries remain informal.

Offline mode and cloud sync: Offline access helps users record expenses without a connection, while cloud sync keeps the records available across the service.

Currency support and conversion: Splitwise lists support for more than 100 currencies. Pro adds conversion using current foreign-exchange rates, a practical extra for groups spending in different currencies.

Payments and US wallet: Users can record cash or online payments; Splitwise Pay also lets users send payments to friends in the United States. International transfers are not supported, so groups settling across borders need another way to move money.

Transaction import: Pro can connect a credit or debit card to show recent purchases for splitting. The import feature is limited to the United States, which reduces its usefulness for users elsewhere.

API and privacy: Third-party applications can access account data through Splitwise's API with the user's authorization. Expenses are shared with relevant friends or group members, and Splitwise says it uses technical and administrative measures, including encryption techniques and authentication procedures, to protect online sessions.

Support: Email support aims to answer most requests within one business day.

Pricing

Splitwise uses a freemium model. The Free plan costs nothing and includes shared expenses and balances, groups and friends, equal or unequal splits, recurring expenses, offline mode, cloud sync and unlimited expenses. That is enough for many households and occasional trip groups; the main reason to upgrade is access to Pro tools rather than a higher expense quota.

Splitwise Pro has custom pricing and includes unlimited expenses, US-only transaction import, currency conversion, charts and graphs, receipt scanning and itemization, expense search, default split settings and no ads. It suits frequent users who want less manual entry or stronger expense review, but the import restriction matters outside the US. The Individual + Trip Pass plan has custom pricing and includes all Pro features plus one annual Trip Pass. Duo + Trip Pass is for two people, with custom pricing. Monthly subscription includes all Pro features at custom pricing. These paid options are most relevant to people who need Pro capabilities or a trip-focused plan; the Free plan already includes unlimited expenses.

Platforms

Splitwise is available on Android, iOS and the web. It also provides an API for authorized third-party access to a user's account data, which may suit people connecting their records to other applications.

Who it's for

Splitwise fits friends sharing group costs, housemates managing recurring bills, families coordinating expenses and travel groups dividing trip spending. It is especially compelling when members need uneven splits or a shared balance that simplifies repayment. People who need legally binding records, international transfers or US-unavailable card imports should look elsewhere for those functions.

Pros and cons

Pros: Unlimited expenses on the free plan remove a volume ceiling for routine tracking; percentage and share-based splits handle uneven costs; debt simplification helps groups avoid settling every pair of balances separately; offline mode and cloud sync support recording and access across changing connectivity.

Cons: Entries are informal and not legally binding, so they should not carry formal accounting weight; Splitwise Pay and transaction import are US-only, and international transfers are unavailable; currency conversion and other Pro features require a paid plan with custom pricing.

Alternatives

Settle Up is worth considering if its Android, iOS, web and Windows coverage better fits a group, or if receipt photos, custom categories, statistics or Excel export are priorities. Its free plan and premium options also make it a freemium alternative.

Wise is a better fit when the priority is an account and transfers rather than shared-expense tracking: its personal account and transfers are pay-as-you-use, with no subscription or plan and free account registration.

PicPay may suit someone looking for a free digital account with Pix and bill payments, rather than Splitwise's group balance tracking.

OPay is another free app option.

PhonePe may be preferable to readers seeking a free standard plan with no setup fee or annual maintenance fee, subject to its terms.

Remitly is an alternative to consider for bank deposits or cash pickup; its listed US-to-France example prices are free for bank deposit and $2.99 for cash pickup.

Venmo is a free alternative for readers considering a business profile, which has no monthly or setup fees but charges transaction fees, including 1.9% + $0.10 for direct and QR code payments.

Zelle is an alternative for eligible US checking or savings account holders looking for consumer payments; consumer fees are typically absent, though users should check with their bank or credit union.

For broader comparisons, see Peer-to-Peer Payment Apps and Personal Finance Software.

Verdict

Choose Splitwise if your group needs flexible expense splits, a shared running balance and debt simplification, especially for household or trip costs. Its free plan covers unlimited expenses and its Pro tier adds useful imports and analysis, but choose another service for legally binding records, international transfers or card imports outside the United States.

Verdict

Splitwise combines flexible cost splitting with balance calculations and debt simplification for groups. Its records are informal rather than legally binding, and some payment and import capabilities are limited to the United States.

Where Specifiction places it

Alternatives to SplitwiseAll alternatives →