Looking for a Splitwise alternative?
Splitwise’s own help centre says the free tier now has a daily expense limit, and its Pro page sells "unlimited expenses" and an ad-free experience as paid features. MuCash gives you both for nothing.
Side by side
| MuCash | Splitwise free | |
|---|---|---|
| Daily expense limit | None | Yes — a daily limit applies* |
| Ads | None | Removed by Pro* |
| Split with people who don’t have the app | Yes, add them as a name | They need an account |
| Fewest-payments netting | Free | Free |
| Equal · shares · exact amounts | Free | Free |
| Shared books | Up to 5 free, unlimited on Plus | Unlimited |
| Bank login required | Never | Never |
* Taken from Splitwise’s own pages, linked below. We deliberately do not quote a specific daily number, because Splitwise does not publish one.
What actually differs
Add a flatmate as a name and split with them immediately. This is the single biggest reason a shared book dies: you are waiting on four people to sign up.
Log twenty expenses on the day you move in. There is no counter, and nothing stops mid-month.
A ready-made message goes out through WhatsApp with the amount already in it, so nobody has to compose the awkward text.
Where Splitwise is still ahead
It has been going since 2011, so it has far more users — if the people you split with are already on it, that counts for a lot. It also scans receipts and integrates with payment services in some countries. We do neither yet.
Try it without signing up
The calculator does the maths in your browser. The app remembers it for next month.
Open the free calculator Open MuCashSources
Checked 2 August 2026. Splitwise is a trademark of its owner; MuCash is not affiliated with it.