Best free Splitwise alternatives in 2026
The best free Splitwise alternative depends on what you want to avoid. Tricount is simple for one trip, Settle Up has a long track record across currencies, Spliit needs no account and is open source, and MuCash has no daily expense limit or ads and also tracks your own budget. At the time of writing, in 2026, Splitwise’s free tier limits how many expenses you can add per day and shows ads, which is why people look.
Updated 3 November 2026
Side by side
| App | Best at | Platforms | Watch out for |
|---|---|---|---|
| Splitwise | The biggest user base: your friends may already be on it. Works in many countries with payment links in some. | iPhone, Android, web | The free tier limits daily expenses and shows ads; extras such as receipt scanning are in the paid Pro plan (2026). |
| Tricount | Quick setup for one trip or event, with a clean interface. | iPhone, Android, web | Built for events more than for ongoing household tracking. Check its current free-plan terms. |
| Settle Up | Established, many currencies, works offline. | iPhone, Android, web | Has a paid tier; check which features and limits apply to the free one. |
| Spliit | No account, open source, can be self-hosted. Good if privacy matters most. | Web only | No native app, so there is no home-screen app experience and no budgeting. You share a link to the group. |
| MuCash | No daily limit or ads, add people by name, scans receipts on the phone for free, plus a personal budget and goals. | iPhone, Android, web | Newer, so fewer people already have it. Free for up to 5 shared books (Plus is $1 a month beyond that). No payment integration. |
Based on each product’s public description at the time of writing (2026). Plans and limits change, so check the current terms before you commit a group to one.
Which one to pick
- You want zero setup for a single trip: Tricount or Spliit.
- Your group is already on Splitwise and the limit has not bothered you: staying put is a fair choice.
- You need the widest set of currencies and offline use: Settle Up is worth a look.
- You want privacy and no account at all: Spliit, ideally self-hosted.
- You want splitting and your own budget in one app, with no daily cap: MuCash.
MuCash is not the right answer for everyone. If the people you split with are already in another app, the best app is usually the one they will actually open. A shared tab only works when it is shared.
What to check before you switch
- List what you actually useSplitting, fewest-payments settling, receipts, several currencies, exports. Cross out what you never touch.
- Look at the limit that bothers youDaily expense caps, ads, and the number of groups or shared books are the usual differences between free tiers.
- Try it with one real groupAdd last month’s shared bills and see whether the balances match what you remember.
- Bring your historyMuCash can import a Splitwise CSV export so nobody retypes old expenses.
Where MuCash fits
MuCash is free with unlimited entries, no ads and no bank login. You can have personal, shared and business books in the same app, split equally, by shares or by exact amounts, and settle with the fewest transfers. Receipt scanning runs on your device and is free. Plus ($1 a month) only lifts the limit of 5 shared books; inviting, joining and splitting never cost anything. See the full MuCash vs Splitwise comparison or try the free calculator.
Questions
What is the best free alternative to Splitwise?
There is no single best one. Tricount and Spliit are quick for one trip, Settle Up has long experience with currencies, and MuCash is free with no daily expense limit and no ads. Choose by the limit that bothers you most and by which app your group will actually use.
Why do people leave Splitwise?
At the time of writing (2026), the free tier limits how many expenses you can add each day and shows ads, and some features such as receipt scanning are in the paid Pro plan. Many groups simply hit the limit during a trip.
Is there a Splitwise alternative with no account?
Spliit is a web app that needs no account, and it is open source. In MuCash, the people you split with do not need an account, although you do.
Can I move my Splitwise data?
In MuCash, yes: export your group as CSV from Splitwise on a computer and import it into a MuCash book.
Is MuCash really free?
Yes: unlimited entries, unlimited people, no ads. A $1 a month Plus plan exists, and all it does is remove the limit of 5 shared books.
Keep the tab in one place
MuCash is free, with no ads and no daily limit. The people you split with do not need the app.
MuCash keeps the count. It never moves money: you pay each other however you already do.