Free alternative to Splitwise
Split costs with friends. Free, with no daily limit.
Split is a free Splitwise alternative for trips, homes and dinners. Make a group, share the link, and add expenses as they happen. Split shows who owes whom and the fewest payments that settle everything.
- Unlimited groups and expenses, no ads
- No sign-up: friends open the link and join
- Split equally, by shares or by exact amounts
How it works
Make a group
Name it and add who is in it. It takes ten seconds and no account.
Share the link
Anyone with the link can see the group and add what they paid, from any phone or laptop.
Settle up
Split keeps everyone's balance and shows the fewest payments that make everyone even. Record each payment when it happens.
Everything you use Splitwise for
- Three ways to splitEqually between some or all, by shares or percentages, or by exact amounts. Every split adds up to the cent.
- Who owes whomEach person's balance, what they paid and their share. Pick your name and Split shows what you owe.
- Fewest payments to settleSplit simplifies debts for everyone, free. Record each payment when the money moves, or share the list in your group chat.
- Live for everyoneNew expenses show up for everyone with the link as soon as they are added, on any device.
- Search and exportFind any expense by name, person or amount, and download the whole group as a CSV file.
- 32 currenciesEach group keeps its own currency, from dollars and euros to yen and rupees.
Split and Splitwise, side by side
Splitting a dinner should not need a subscription. Split is free because it costs almost nothing to run: each expense is one tiny write, and OpenApps pays for it.
| Feature | Split | Splitwise free plan |
|---|---|---|
| Expenses per day | No limit | Capped. Unlimited is Pro |
| Ads | None | Yes. Ad-free is Pro |
| Account needed | No | Yes |
| Search expenses | Yes | Pro only |
| Split by shares or exact amounts | Yes | Yes |
| Simplify debts | Yes | Yes |
| Currency conversion | No, one per group | Pro only |
| Receipt scanning | No. Your AI assistant can add receipts | Pro only |
| API for AI assistants | Yes, no key | Account and a registered app |
Checked October 2026 on Splitwise's Pro page, which lists unlimited expenses, search, currency conversion, receipt scanning and no ads as Pro features. Splitwise does not publish the free daily limit; check their site, since it changes.
What Split does not do
- Convert currencies inside a group. Each group uses one currency.
- Scan receipts. Your AI assistant can read a receipt and add it for you through the API.
- Repeat an expense on a schedule, or send email reminders. "Share who owes whom" puts the summary in your group chat instead.
- Record two payers for one expense. Add it as two expenses.
- Move money. Record payments after they happen, in cash or any payment app.
For AI assistants
Your assistant can keep the books.
Split has a public API with no key and no account. An assistant can set up a group for a trip, add expenses from the receipts you send it, fix mistakes, record payments and tell everyone what they owe.
Reference: llms.txt and openapi.json. A group's id is its secret, the same as its link, so treat it like one.
Links an assistant can send:
/g/GROUP_ID?add=1&title=Dinner&amount=84.60opens a filled-in expense for the person to check and save/g/GROUP_ID?settle=1opens Record a payment, filled in with what they owe
# Create a group curl -X POST https://functions.bounded.sh/apps/20ace674a35b849ffda63b30/api/groups \ -H 'content-type: application/json' \ -d '{"name": "Lisbon trip", "currency": "EUR", "people": ["Sam", "Alex", "Jo"]}' # Add an expense, split equally curl -X POST https://functions.bounded.sh/apps/20ace674a35b849ffda63b30/api/groups/GROUP_ID/expenses \ -H 'content-type: application/json' \ -d '{"title": "Dinner", "amount": "84.60", "paidBy": "Sam"}' # Who owes whom curl https://functions.bounded.sh/apps/20ace674a35b849ffda63b30/api/groups/GROUP_ID