Nudj vs Splitwise
Which IOU tracker is right for you? An honest, side-by-side look at two popular ways to split expenses and track what friends owe each other.
| Feature | Nudj | Splitwise |
|---|---|---|
| IOU tracking | ||
| Group expenses | Circles | Groups |
| Poker / game night mode | Tables | |
| Debt transfers (Passes) | ||
| Mutual confirmation | ||
| Bank integration | ||
| In-app payments | ||
| Free to use | Freemium | |
| PWA (installable) | Native apps |
Nudj is the Splitwise alternative built for friend groups who want simple, transparent IOU tracking without connecting bank accounts. Poker nights get a dedicated Tables mode; shifting debts move cleanly with Passes; and because every line needs mutual confirmation, there are no surprises.
- Friend groups splitting dinners, trips, and everyday costs
- Poker and game nights with buy-ins and cash-outs
- Anyone who wants both sides to confirm every IOU
- People who prefer a lightweight PWA over a heavy native app
Splitwise is a solid, established app for splitting expenses that shines when you need bank integration and in-app payments. For roommates splitting rent, utilities, and groceries every month, settling directly inside the app reduces friction in large shared-housing setups.
People looking for an app like Splitwise often find Nudj when they hit the limits of one-sided expense logging or want something better than Splitwise for poker. Here is what they tell us.
Mutual confirmation
Both sides agree on every IOU. No disputed charges or surprise balances.
Poker and game night
Tables are purpose-built for buy-ins, rebuys, and cash-outs across a session.
IOU Passes
Transfer a debt from one friend to another. Great for simplifying chains of IOUs.
No ads, no paywalls
Nudj is completely free. No premium tier to remove ads or unlock features.
Ready to give Nudj a try?
No credit card. No bank connection. Just sign up and start tracking IOUs with your friends.