The Best Splitwise Alternatives in 2026 (Free Options Compared)

Splitwise is good at what it does. But a lot of people find it more complex than they need, especially if you are splitting the same bills every month with a couple of roommates and nobody wants to create another account.

Here are the five best Splitwise alternatives, broken down by what they are actually built for.

Why People Look for Splitwise Alternatives

• Every participant must create a Splitwise account, which not everyone will do
• The settlement flow adds complexity for simple recurring bills
• It is built for one-off group expenses, not ongoing monthly bills like rent
• The free tier has become more limited over time
• Some people want something purpose-built for roommate finances, not group trips

1. ExpenDiv: Best for Recurring Roommate Bills

ExpenDiv is built for a different use case than Splitwise: ongoing monthly bills rather than one-off group expenses. If you split rent, utilities, or streaming services every month, ExpenDiv tracks each bill and sends email reminders when things are due.

The biggest difference from every other app on this list: the people you bill never need to create an account. They receive email reminders with a payment link already in the message, no sign-up, no app download required on their end.

What it does well

• Tracks recurring bills (rent, electricity, internet, subscriptions) with due dates
• Email reminders include your Venmo, CashApp, or PayPal link directly
• Only the bill manager needs an account; participants just receive emails
• Free plan: unlimited expenses and participants with manual reminders
• Premium ($3.99/month): automated daily reminders, customizable tone and timing

What it does not do

• Not designed for one-time group events where expenses run in multiple directions
• No bank account integration
• No multi-currency support

Best for: roommates splitting the same set of bills every month, especially when one person manages everything and the others just need to pay.

2. Splid: Best for Group Trips Without Requiring Accounts

Splid is a group expense tracker built for one-off events (trips, dinners, shared activities). Unlike Splitwise, participants do not need accounts. You create a group, share a link, and anyone can log expenses and see the running totals from their browser.

At the end of the event, Splid calculates the minimum number of payments to settle everyone up. It is clean, fast, and free.

What it does well

• No accounts required: share a link and anyone can join
• Handles multi-directional expenses well (everyone pays for different things)
• Simple settlement calculation at the end of a trip or event
• Clean mobile interface
• Free to use

What it does not do

• Not designed for recurring bills: no due date tracking or monthly cycle
• No automated payment reminders
• No payment links in notifications

Best for: a group trip or shared event where you want everyone to log expenses without creating accounts and settle up at the end.

3. Honeydue: Best for Couples Sharing Finances

Honeydue is not really a Splitwise alternative; it is built for a completely different situation. If you and a partner share finances and want a single view of combined spending across bank accounts and credit cards, Honeydue is built for that.

What it does well

• Bank account and credit card integration
• Shared budget view for two people
• Bill due date notifications
• Free to use

What it does not do

• Designed for two people only: not suitable for three or more roommates
• Both people must create accounts and connect bank accounts
• No payment reminders with payment links

Best for: couples who share finances and want a combined view of spending, not roommate bill splitting.

4. Tricount: Best for One-Off Group Events

Tricount is similar to Splid: a group expense tracker where no accounts are required. You share a link, everyone logs what they spent, and Tricount figures out who owes who at the end. Good for trips, dinners, or any shared event with a defined end point.

What it does well

• No accounts required for anyone
• Clean simple interface for logging group expenses
• Multi-currency support
• Free to use

What it does not do

• No recurring bill tracking
• No automated reminders
• No payment links
• Settlement requires manual follow-up outside the app

Best for: one-off group events. Use ExpenDiv if you are splitting the same bills every month.

5. Google Sheets: Best for Full Control

A shared Google Sheet is infinitely flexible and completely free. If you are comfortable building it yourself, a spreadsheet can track anything: who paid, who owes what, running totals, historical records.

• Free and completely customizable
• No reminders or automatic tracking
• Works well only if everyone maintains it consistently
• High setup effort for what most people actually need

Best for: detail-oriented groups where everyone will actually update the spreadsheet.

How to Choose

• Splitting the same bills every month with roommates: ExpenDiv
• One-off group trip or event, no accounts required: Splid or Tricount
• Couples sharing bank accounts and combined finances: Honeydue
• Full DIY control with no app: Google Sheets
• Complex group settlement with everyone willing to create accounts: Splitwise

For more detail, see the side-by-side comparisons at expendiv.com/vs/splitwise, expendiv.com/vs/honeydue, and expendiv.com/vs/tricount.

Frequently Asked Questions