4 alternatives to Splitwise
Compare free and open-source solutions before building your own. Check each option’s license, setup, and limitations.
Share a link, split, settle. No accounts, no ads. Use their instance or run your own.
Around since 2011, proudly boring, in declared maintenance mode; use their free instance or one docker run.
Splitwise for people who already run Nextcloud; pairs with the MoneyBuster Android app.
Free and huge in Europe; closed source and bunq-owned, new signups get a bunq account, and CSV export left with the old Premium.
Updated 2026-08-11 · no paid listings
SplidOffline, account-free and genuinely nice, but the free tier caps your groups and locks exports behind a one-time 4.99 USD unlock.
| Tool | License | Setup | Platforms | Stars | Activity |
|---|---|---|---|---|---|
| Spliit | Open source | Hosted by the provider | web, self-hosted | 2,700 | 2025-12 |
| IHateMoney | Open source | Hosted by the provider | web, self-hosted | 1,400 | 2026-05 |
| Cospend | Open source | Self-hosted with ongoing maintenance | web, self-hosted | 283 | 2026-06 |
| Tricount | Free, closed source | Hosted by the provider | ios, android | — | — |
Splitwise sits where the friction is lowest: everyone already has an account, the apps are polished, and the balance quietly nags people so you do not have to. Pro mostly sells relief from the free tier's daily expense cap and the ads, plus receipt scanning and automatic currency conversion for trips. The subscription monetizes the fact that the group, not you, picks the tool. If those points do not matter to you, the options above could save $60 per year.
Is there a free alternative to Splitwise?
Yes: Spliit, IHateMoney, Cospend. This page lists 4 free or open-source options. Check the limitations of each.
Should I build my own Splitwise?
Our verdict: With trade-offs. The ledger and the debt math are a solved problem; a link-shared DIY version covers a household or one trip in a single sitting, no accounts needed. The gap is not code, it is adoption: Splitwise works because the whole group already has it installed, and nobody downloads your homebrew app for one weekend away. Build it for the people who share your fridge; for everyone else, the moat is other people's phones. The complete prompt is on the Splitwise page on Vibe Radar.
