Top 5 Splitwise Alternatives in 2026 (Free & Paid)

Splitwise has been the go-to app for splitting expenses for years. But in 2026, its free tier is more limited than ever — and many users are looking for better options.

Whether you're frustrated with ads, paywalls on basic features, or just want something that works without forcing everyone to download an app, you're in the right place.

We've tested over a dozen bill-splitting apps and narrowed it down to the 5 best Splitwise alternatives you should try this year. For a deeper dive into all the top options, also check out our full guide to the best bill-splitting apps.

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1. SplitNow — Best Free Alternative Overall

Price: Free (no hidden paywalls)
Platforms: Web (works on any device)

SplitNow takes a radically different approach: no one needs to download anything. You create a group, share a link, and everyone can view and add expenses instantly.

Why It's #1

• Truly free — no ads, no premium tier locking basic features
• No app required for invited members — they just open a link
• 100+ currencies with real-time conversion for international trips
• Instant settlement tracking — see who owes whom at a glance
• Works offline and syncs when you're back online

If you're tired of Splitwise asking you to pay for basic reports or currency support, SplitNow is the most compelling free alternative available today.

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2. Tricount — Best for Simple Trip Splitting

Price: Free (with ads) | Pro: $4.99/year
Platforms: iOS, Android, Web

Tricount is a lightweight alternative popular in Europe. It's perfect for one-off trips where you just need a simple tally of who paid what.

Pros

• Clean, minimal interface
• Offline support
• No account required for basic use

Cons

• Limited currency support
• No recurring expense tracking
• Feature-sparse compared to full-featured apps

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3. Settle Up — Best for Android Users

Price: Free (with ads) | Pro: $2.99
Platforms: Android, iOS, Web

Settle Up has built a loyal Android following thanks to its Material Design interface and reliable syncing.

Pros

• Real-time group syncing
• Supports multiple currencies
• Debt simplification algorithm

Cons

• iOS app feels dated
• Free version has disruptive ads
• Less intuitive than modern alternatives

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4. Spliit — Best Open-Source Option

Price: Free (open source)
Platforms: Web only

If you're a developer or privacy enthusiast, Spliit is an open-source Splitwise alternative you can even self-host.

Pros

• Completely free, no ads ever
• Open source and transparent
• Simple and fast web interface

Cons

• No mobile app
• Limited features (no recurring expenses, no settlement reminders)
• Requires manual group management

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5. Cospend (Nextcloud) — Best for Self-Hosted Privacy

Price: Free (requires Nextcloud)
Platforms: Web, Nextcloud app

For users who already run Nextcloud, Cospend is a powerful expense-splitting module built right into your cloud.

Pros

• Full data ownership and privacy
• Deep Nextcloud integration
• Unlimited groups and users

Cons

• Requires a Nextcloud server (technical setup)
• No standalone mobile app
• Steep learning curve for non-tech users

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Comparison Table

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The Bottom Line

If you want a completely free, no-download-needed bill-splitting app that works in any currency, SplitNow is the best Splitwise alternative in 2026.

For one-off trips, Tricount is a solid lightweight choice. Power users who want data ownership should look at Cospend.

But for most people — roommates, travelers, couples, and friend groups — SplitNow offers the best balance of power and simplicity.

👉 Start splitting bills for free with SplitNow

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Looking for more detailed app reviews? Read our full comparison: 7 Best Apps to Split Bills & Expenses in 2026.