Eider VS Splitwise

• Unlimited expenses
  No daily cap on how much you add.
• Unlimited members
  Split with as many people as you need, at no cost.
• Unlimited nests
  Run a trip, a household, and a one-off side by side.
• Full history
  Every expense stays available, with no archive limit.
• Ad-free
  Nothing is ever sold against your spending.
• Nests
  A shared space per trip, household, or group.
• Standing split
  Set your usual split once and every new expense uses it.
• Even, percentage, or exact splits
  Three ways to divide any expense.
• Per-expense override
  Change one expense's split without touching the rule.
• Running balance
  An always-current view of who owes whom.
• Simplified settlement
  Nets everything down to the fewest payments.
• Settle up anywhere
  Records payment through Venmo, Cash App, PayPal, Zelle, or Apple Cash. Eider never touches your money.
• Settlement periods
  Group expenses into periods you close when everyone squares up.
• Settled-period lock
  A closed period becomes immutable, so history cannot be quietly rewritten.
• Recurring Expenses
  Rent, utilities, and subscriptions, with variable amounts and an end date.
• Quick Add
  The title is optional and derives from the merchant or category.
• Merchant memory
  A merchant recalls the account it was last paid from.
• Category prediction
  Categories are inferred from the merchant as you type.
• Placeholder members
  Add someone who is not on Eider yet and split with them anyway.
• Solo nests
  Works identically with one member, always using a placeholder, with no pressure to invite anyone.
• Real-Time Sync
  Changes appear on everyone's device as they happen.
• Multi-Currency
  A base currency per nest, converted at each expense's own date.
• Expense notes
  Add context to any expense.
• Edit and delete with undo
  Soft delete with an undo toast, so nothing is lost by mistake.
• Activity history
  A per-expense record of what was created, edited, and settled.
• Nest switcher
  Move between nests without losing your place.
• Invitations
  Invite by email, or just add someone by name.
• Push notifications
  Told when something in your nest changes. With grouped opt-in/out.
• Data Export
  Request a copy of your data.
• Sign in with Apple and Google
  Plus email sign-in.
• Dark Mode
  Follows your system theme.
• iOS, Android, and web
  One account across all three.
• Receipt Scanning
  [Plus] Reads the merchant, date, and total straight off a photo.
• Line-item split
  [Plus] Split a single receipt item by item instead of evenly.
• Receipt library
  [Plus] A searchable archive of every receipt the nest has captured.
• Spending patterns
  [Plus] Where the money actually goes, over time.
• Period reports
  [Plus] A summary for each settlement period.
• Monthly digest
  [Plus] An emailed recap of the month.
• Bank Connection
  [Plus] Bring transactions in automatically and securely with Plaid, then add them to any nest to split.
• Nest-wide annual membership
  [Plus] An annual subscription shares receipt scanning and line-item splitting with everyone in all the nests you create.
• Early Access to Features
  [Plus] New features before they roll out broadly.

• User-Friendly Interface
  Splitwise provides an intuitive and easy-to-navigate interface, making it straightforward for users to add expenses, keep track of debts, and settle up.
• Multi-Platform Availability
  Available on the web, iOS, and Android, Splitwise ensures users can access and manage their expenses from almost any device.
• Expense Tracking
  The app allows users to easily log and categorize expenses, which can be particularly useful for group trips, shared households, or any shared financial responsibility.
• Flexible Split Options
  Users can split expenses equally, by percentages, shares, or custom amounts, providing flexibility in how costs are divided among group members.
• Currency Conversion
  Splitwise supports multiple currencies, which is handy for international travel or groups with members from different countries.
• Bill Reminders
  The app sends reminders for outstanding balances, helping users to stay on top of their payments and avoid forgotten debts.
• Integration with Payment Platforms
  Splitwise can integrate with payment platforms like PayPal and Venmo for easy settlement of balances.

Possible disadvantages

• Privacy Concerns
  Since Splitwise involves sharing financial information with others, there could be privacy concerns for those unwilling to share detailed expense data.
• Subscription-Based Features
  Some advanced features, such as expense exporting and additional integrations, require a Splitwise Pro subscription.
• Manual Entry Requirement
  Splitwise requires users to manually enter expenses, which could be time-consuming and prone to errors if not done diligently.
• Limited Automatic Reconciliation
  While Splitwise helps track who owes whom, it does not automatically reconcile or pay off balances, leaving users responsible for manual payment.
• Dependency on Group Honesty
  The accuracy of the expense records relies on the honesty and diligence of all group members, which may not always be reliable.
• Potential for Confusion
  The various options for splitting bills (equally, by shares, etc.) can sometimes lead to confusion or disputes among users over what is fair.

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Splitwise - iPhone App Review! [2020]

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