Best Free Splitwise Alternatives in 2026

Splitwise went freemium and many users are looking for a free alternative. Here are the best options for splitting expenses with friends, with an honest look at what each one does well and where it falls short.

Why people leave Splitwise

Splitwise was the go-to expense splitter for years. But their shift to a freemium model means free users now see ads and lose access to features like receipt scanning, currency conversion, and charts. Many users are searching for an app like Splitwise but free with no paywalls or ads. Here are the top alternatives worth trying.

1. Nudj

Our pick

The free expense tracker with mutual confirmation

Pros

  • Completely free with no ads or premium tier
  • Every expense requires both sides to confirm
  • Dedicated poker night mode with buy-in tracking
  • Group trip Circles with minimum settlement algorithm
  • Installable PWA that works offline

Cons

  • No multi-currency support yet
  • No in-app payments (tracking only)
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2. Tricount

Popular in Europe with multi-currency support

Pros

  • Multi-currency support for international trips
  • No account required to join a group
  • Clean, simple interface

Cons

  • No mutual confirmation on expenses
  • No poker or game night features
  • Freemium model with ads
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3. Settle Up

Feature-rich expense splitter with recurring bills

Pros

  • Recurring expense support for roommates
  • Multi-currency with automatic conversion
  • Debt simplification algorithm

Cons

  • Ads in free tier
  • No mutual confirmation
  • No game night features
Compare with Nudj

4. Tricount / Cino / Spliit

Various web-first alternatives

Pros

  • Simple web interfaces for quick splitting
  • Some require no sign-up at all
  • Good for one-off events

Cons

  • Limited feature sets compared to full apps
  • No ongoing balance tracking
  • No settlement history

What to look for in a Splitwise alternative

The best Splitwise replacement depends on your group's needs. Here are the features that matter most when choosing an expense splitting app:

  • No paywalls: Every member of your group should be able to use the full app without paying.
  • Mutual confirmation: Both sides should agree on every expense. One-sided entries lead to disputes.
  • Minimum settlements: The app should calculate the fewest possible payments to square everyone up.
  • Works for your use case: Trips, roommates, poker nights. The right app should handle your specific situation well.

Try the #1 free Splitwise alternative

No ads, no premium tier, no bank connection. Just simple expense tracking between friends.

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