Splitwise

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Score6.7

Rank#116 of 181

PriceFree

Free planYes

Runs onAndroid, API, iOS, Web

Summary

Splitwise organizes shared expenses and IOUs so friends, family, housemates and trip groups can track who owes whom. Users can divide expenses equally or unequally, including by percentage or shares, and the service calculates balances and can simplify group debts. 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, along with features such as transaction import, receipt scanning and expense search. Card transaction import is currently available only in the US. Users can record cash or online payments; Splitwise Pay supports sending payments to friends in the United States. The free plan includes unlimited expenses, shared balances, groups and friends. Splitwise is available on Android, iOS and the web, and offers an API for authorized third-party access. Shared expense details are visible to relevant friends or group members, and the service says these records are informal and not legally binding. Splitwise is not for children under 13.

Who it is for

Splitwise suits friends, family, housemates and travel groups who want to record shared costs and settle balances. Its free plan and unequal splitting options may suit groups with varied expense-sharing arrangements.

What is good

Expenses can be split by percentage or shares.
Balances can be simplified among group members.
Free plan includes unlimited expenses.
Offline mode and cloud sync are listed.
Supports more than 100 currencies.

What to know first

Pro transaction import is currently US-only.
Splitwise Pay is available only in the US.
Expense and payment records are not legally binding.
Service is not for children under 13.

Verdict

Splitwise offers shared expense tracking with flexible splits, group balances and offline access. Remember that its records are informal, and some payment and Pro features have stated limits.

Splitwise plans and pricing

All plans

Individual + Trip Pass Not published All Splitwise Pro features · One annual Trip Pass kb.splitwise.com · 20 Sept 2026

Duo + Trip Pass Not published 2 people kb.splitwise.com · 20 Sept 2026

Monthly subscription Not published All Splitwise Pro features kb.splitwise.com · 20 Sept 2026

Free Free Shared expenses and balances · groups and friends · equal or unequal splits · recurring expenses · offline mode · cloud sync · unlimited expenses splitwise.com · 30 Sept 2026

Splitwise Pro Not published Unlimited expenses · transaction import (US only) · currency conversion · charts and graphs · receipt scanning and itemization · expense search · default split settings · no ads splitwise.com · 30 Sept 2026

Compared on personal finance software

Free plan: Yessplitwise.com
Split payments: Yessplitwise.com
Payment requests: Yessplitwise.com
International transfers: Nosplitwise.com
Cash-out fee model: variablesplitwise.com

Facts

Purpose: Splitwise organizes shared expenses and IOUs so friends, family, housemates, and trip groups can track who owes whom.splitwise.com · 30 Sept 2026
Splits: Users can split expenses equally or unequally, including by percentage or shares.splitwise.com · 30 Sept 2026
Debt simplification: The service calculates total balances and can simplify debts among group members.splitwise.com · 30 Sept 2026
Offline and sync: The feature list includes offline mode and cloud sync.splitwise.com · 30 Sept 2026
Currencies: The site lists support for 100+ currencies, and Pro offers currency conversion using current foreign exchange rates.splitwise.com · 30 Sept 2026
Payments: Splitwise lets users record cash or online payments, and its US-only Splitwise Pay wallet supports sending payments to friends.splitwise.com · 30 Sept 2026
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.splitwise.com · 30 Sept 2026
API: Splitwise provides a third-party API that other applications can use to access a user's account data with the user's authorization.dev.splitwise.com · 30 Sept 2026
Privacy: Expenses are not public, and details are visible to the friends or group members with whom the user shares them.splitwise.com · 30 Sept 2026
Security: Splitwise says it uses technical and administrative security measures, including encryption techniques and authentication procedures, to protect online sessions.splitwise.com · 30 Sept 2026
Support: Splitwise lists email support and says it aims to reply to most support requests within one business day.splitwise.com · 30 Sept 2026
Notable limit: Splitwise says its expense, IOU, debt, and payment entries are informal records and are not legally binding.splitwise.com · 30 Sept 2026
Who can use it: Splitwise says its service is not for children under 13.splitwise.com · 30 Sept 2026