Splitwise is a free tool for friends and roommates to track bills and other shared expenses, so that everyone gets paid back. On the web, iPhone, and Android!
NAS Ledger combines Free core accounting with paid budgeting, inventory, project, payroll and multi-entity consolidation tools.
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Which is more popular?
Based on our record, Obsidian
seems to be more popular. It has been mentioned
1530 times
since March 2021.
social mentions
1,530 vs 0
Note Taking popularity
100% vs 0%
Base details
Website, pricing, platforms and company facts side by side.
Local-first Obsidian stores your notes locally on your device, giving you full control over your data and enhancing privacy.
Markdown Support Obsidian uses Markdown, making it easy to format text and compatible with many other text editors and tools.
Bidirectional Linking You can create bidirectional links between notes, which helps in building a knowledge graph and navigating related information more easily.
Customizability Obsidian is highly customizable with community plugins, themes, and various settings to fit different workflows.
Graph View Provides a visual graph view of your notes and their connections, aiding in understanding relationships and discovering insights.
Offline Access Since the notes are stored locally, you can access and edit them without an internet connection.
Possible disadvantages
Learning Curve Obsidian can be complex and overwhelming for beginners due to its extensive features and customizable nature.
Sync Limitations While local-first is great for privacy, it requires additional steps or third-party solutions for syncing across devices.
No True Real-time Collaboration Obsidian lacks native real-time collaboration features, making it less suitable for collaborative work compared to cloud-based solutions.
Limited Mobile Features The mobile version of Obsidian, while functional, is not as robust as the desktop application, potentially hindering productivity on the go.
Dependence on Plugins Many advanced features require the use of third-party plugins, which could lead to compatibility issues and reliance on community support.
Performance on Large Vaults Performance might degrade with a very large number of notes or complex graphs, impacting usability.
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.
Analysis
An editorial look at what each product does well and who it suits.
ObsidianSplitwise
Overall verdict
Overall, Obsidian.md is an excellent tool for users looking for a versatile and powerful note-taking application. Its unique features such as backlinking, markdown support, and robust customization options make it a favorite among knowledge management enthusiasts.
Why this product is good
Obsidian.md is considered good by many users because it is a powerful knowledge management and note-taking application that leverages Markdown for document formatting. It allows for bi-directional linking between notes, which helps in creating a network of interconnected ideas, often described as a 'second brain.' Its ability to support plugins, themes, and robust graph visualization also adds to its appeal. Additionally, it stores notes locally, ensuring privacy and data ownership, while being cross-platform compatible across Windows, macOS, and Linux.
Recommended for
Knowledge workers who need a powerful tool to organize and connect their thoughts.
Students who are looking to create a structured and visually interconnected note system.
Writers and researchers who benefit from linking related ideas and maintaining detailed notes.
Tech-savvy users or developers who appreciate the local storage and open ecosystem for plugins and customization.
Overall verdict
Splitwise is a highly effective tool for managing shared expenses, especially if frequent splitting of costs is involved. Its features make it easy to track who owes what, and its automatic calculations save time and reduce errors.
Why this product is good
Splitwise is popular because it simplifies sharing and tracking expenses among groups, making it ideal for roommates, friends on trips, or any group spendings.
It automatically calculates balances and reminds users about payments, reducing the awkwardness of asking others for money.
Offers a user-friendly interface both on web and mobile apps, which makes managing expenses convenient and accessible.
Supports multiple currencies, which is great for international travel groups.
Integration with payment platforms like PayPal and Venmo for easy settlement of debts.
Recommended for
Roommates who need to regularly split household bills and expenses.
Groups of friends or families who often travel together and need to manage shared travel costs.
Colleagues or classmates working on projects or events that require shared funding.
Anyone who wants to avoid the hassle of manually tracking and settling shared expenses.
One thing to note: Notion bills itself as an Evernote competitor for personal users. It can be—but it's too much for most people, and its offline functionality isn't the best. If you love the idea of Notion, go right...
This app is the kind of thing that, if you’re into it, will have you exploring its various ins, outs, and add-ons for days and weeks on end. Obsidian uses the Markdown format for its notes (which means they can be...
However, it's important to note that Obsidian's whiteboard functionality is not as robust as dedicated collaboration tools. While it lacks real-time basic collaboration features, Obsidian compensates with its vibrant...
Splitwise is among the most commonly used group payment apps that can easily keep a systematic record of all your informal debts including restaurant bills, travel expenses, cost of accommodation, and much more. With...
Splitwise employs an intelligent algorithm to calculate the exact amount owed by each user. It shows who paid for what, how much amount was paid by each member, and any outstanding balances. Furthermore, the...
For example, shared items like appetizers would be split among the entire group or just a few people in the group. The app can handily accommodate large parties by allowing you to add up to 10 people to each group....
Recommendations tracked on public social media and blogs since March 2021.
Obsidian1530 mentionsSplitwise0 mentions
Mine and yours first Obsidian plugin
The first time I downloaded Obsidian was about two years ago and I really liked the concept of storing everything locally in simple markdown files without unnecessary clutter.
- Source: dev.to
/
about 5 hours ago
The agents remember with Engram, but I need to remember too. Obsidian is my second brain: ideas, projects, and resources in one place.
- Source: dev.to
/
7 days ago
Notion vs Obsidian for Solo Work (2026): Cloud Workspace or Local Markdown?
Obsidian, homepage (local plain-text Markdown storage, offline access, links/graph, featured community plugins).
- Source: dev.to
/
7 days ago
Joplin is a free, open source note taking and to-do application, which can handle a large number of notes organised into notebooks. The notes are searchable, tagged and modified either from the applications directly or from your own text editor.
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