Software Alternatives & Startups

SplitMyExpenses VS SplittyX

Compare SplitMyExpenses VS SplittyX and see what are their differences

SplitMyExpenses logo SplitMyExpenses

Simplify shared expenses with friends, hassle-free

SplittyX logo SplittyX

Track shared expenses, see who owes whom, and settle up with one tap.
  • SplitMyExpenses Landing page
    Landing page //
    2024-01-04

Set up your group and start splitting bills in minutes. Whether it’s travel costs or splitting a dinner bill, turn complex calculations into simple, quick actions. Step into a world of financial ease and clarity. No more complicated spreadsheets or guesswork!

  • SplittyX Home Screen
    Home Screen //
    2026-09-01
  • SplittyX Group Screen
    Group Screen //
    2026-09-01
  • SplittyX Edit Expense screen
    Edit Expense screen //
    2026-09-01

SplittyX splits shared expenses with friends, flatmates, couples and travel companions — built around the awkward cases, not the easy ones: the deposit two people paid together, the friend who refuses toinstall anything, the trip where half the expenses were in another currency.

What it does - Several payers on one expense, each with their own amount - Equal, exact-amount and percentage splits, plus a default split per group - 51 currencies, converted at the rate for the DATE of the expense rather than today's, so nobody quietly carries the group's currency risk. Each person reads the same debt in their own currency - Guests: add someone by name and they get a fair share without installing the app or having an email address - Debt simplification and settle-up - Personal spaces for expenses that are only yours: no members, no splitting, just your totals and categories - Custom categories you create yourself, up to ten per group - Group budgets, charts, comments with @mentions, activity history, a 30-day bin, payment reminders - Offline entry — expenses added without a connection are queued and sent when you are back online - Six languages (English, Greek, Italian, Spanish, French, German), picked per person

Pricing The free plan is not a trial: unlimited expenses with no daily cap, every split type, all 51 currencies, debt simplification, custom categories, offline use, CSV export and one personal space, forever. It carries a banner ad plus a full-screen ad from your third expense of the day, and you can own up to 5 active groups — membership of other people's groups is unlimited.

Supporter (€0.99/month) drops the full-screen ads and adds PDF reports, receipt photos, unlimited groups, three personal spaces and 10 AI receipt scans a month. VIP (€2.49/month) is fully ad-free and adds itemised receipt splitting, recurring and future-dated expenses, unlimited scans and unlimited personal spaces.

SplitMyExpenses

Pricing URL
-
$ Details
-
Platforms
-
Release Date
2023 June

SplittyX

$ Details
freemium €0.99 / Monthly (Supporter — no full-screen ads, PDF reports)
Platforms
Android iOS
Release Date
2026 July
Startup details
Country
Greece
Founder(s)
Georgios Doukas

SplitMyExpenses features and specs

  • User-friendly Interface
    SplitMyExpenses offers a simple and intuitive interface that makes it easy for users to navigate and manage their shared expenses without a steep learning curve.
  • Expense Tracking
    The platform provides comprehensive expense tracking features, allowing users to monitor and categorize their spending effectively.
  • Multi-platform Access
    SplitMyExpenses is accessible via web and mobile apps, ensuring that users can manage their expenses on-the-go from different devices.
  • Group Management
    Users can create groups for specific events or ongoing shared expenses, making it easy to keep financial collaborations organized and separate.
  • Notifications and Reminders
    The service includes notification and reminder features to help users stay on top of pending payments and due expenses.

Possible disadvantages of SplitMyExpenses

  • Limited Free Features
    Some of the more advanced features may require a subscription or in-app purchases, limiting what users can do with the free version.
  • Privacy Concerns
    There's potential for privacy concerns, as sensitive financial information is shared on the platform, which may not fully protect user data.
  • Dependency on Internet Connection
    The application requires a stable internet connection for optimal performance, which could be a limitation in areas with poor connectivity.
  • Complexity for Large Groups
    Managing expenses for very large groups could become complex, potentially affecting the user experience and ease of use.
  • Transaction Fees
    There may be transaction fees for certain payment methods used within the platform, increasing the overall cost of financial management.

SplittyX features and specs

  • Currency handling
    51 currencies, each expense converted at the rate for its own date; every person sees totals in their own currency
  • Multiple payers
    One expense can have several payers, each with their own amount
  • Split types
    Equal, exact amounts, percentages, and a default split saved per group
  • Guests
    Add someone by name — they get a share calculated without an account or an email address
  • Debt simplification
    Works out the smallest set of payments that clears the group, and records them
  • Itemised receipt splitting
    Assign each line of a receipt to whoever it belongs to, tax and tip included (VIP)
  • Personal spaces
    Track your own expenses with no members and no splitting — 1 free, 3 on Supporter, unlimited on VIP
  • AI receipt scanning
    Reads amount, date, description and category off a photo or PDF — 10/month on Supporter, unlimited on VIP
  • Custom categories
    Create your own categories from the expense form, up to 10 per group, free
  • Offline use
    Expenses entered without a connection are queued and sync when you're back online
  • Exports
    PDF group reports on Supporter and VIP
  • Languages
    English, Greek, Italian, Spanish, French and German, chosen per person — emails and notifications follow

Category Popularity

0-100% (relative to SplitMyExpenses and SplittyX)
Personal Finance
90 90%
10% 10
Travel
0 0%
100% 100
Expense Tracking
100 100%
0% 0
Business Intelligence
100 100%
0% 0

Questions & Answers

As answered by people managing SplitMyExpenses and SplittyX.

What makes your product unique?

SplittyX's answer:

Friend groups on trips, flatmates, and couples — people splitting real, everyday amounts rather than running a business. The design assumes the group is mixed: some members are meticulous, some will never open the app, and at least one person paid for something in a currency the others don't think in.

Why should a person choose your product over its competitors?

SplittyX's answer:

Three reasons, and they are narrow on purpose.

You can add as many expenses as you want on the free plan. On a five-day trip that is the difference between recording things as they happen and writing them on a napkin.

Currency is handled per expense date and per person's own currency, on every plan rather than a paid tier.

And guests: the one friend who won't install anything still gets a fair share calculated, by name, with no account and no email address.

What we don't claim: the free plan shows a banner ad plus a full-screen one from your third expense of the day, and there is no import from other splitters. If neither of those is acceptable, another app is the better choice — that is a real trade-off, not a footnote.

How would you describe the primary audience of your product?

SplittyX's answer:

Friend groups on trips, flatmates, and couples — people splitting real, everyday amounts rather than running a business. The design assumes the group is mixed: some members are meticulous, some will never open the app, and at least one person paid for something in a currency the others don't think in.

It is European-first in practice. The interface, emails and notifications are in English, Greek, Italian, Spanish, French and German, and each person in a group picks their own, so a mixed-nationality group doesn't have to settle on one language.

What's the story behind your product?

SplittyX's answer:

I was a Splitwise user. On a trip with friends I hit the point where I couldn't keep adding expenses as the day went on, and paying to remove that limit felt steep for what I was getting back. So I built the thing I wanted for me and my friends, starting with the parts that had annoyed me: no cap on how much you record, currency converted at the rate for the day of the expense, and the friends who refuse to install an app still included in the maths.

It turned out better than a personal tool has any right to be, so I put it on both stores. It is a one-person project, still, and that is why the free plan is generous and the paid tiers are €0.99 and €2.49 rather than anything grander.

Which are the primary technologies used for building your product?

SplittyX's answer:

React Native with Expo (expo-router, Zustand, TanStack Query) for the Android and iOS apps, and a Node/Express API on MySQL behind it. Subscriptions run through RevenueCat against the App Store and Google Play, push goes out via Expo and Firebase Cloud Messaging, email through Amazon SES, and errors are tracked in Sentry. Receipt scanning uses Google's Gemini vision models.

Who are some of the biggest customers of your product?

SplittyX's answer:

None — and it would be strange if there were. SplittyX is a consumer app: the "customer" is a group of friends on a trip, a flat sharing bills, or a couple keeping track between them. There are no corporate accounts and no logos to show, and we don't publish who uses it.

User comments

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Social recommendations and mentions

Based on our record, SplitMyExpenses seems to be more popular. It has been mentiond 2 times since March 2021. We are tracking product recommendations and mentions on various public social media platforms and blogs. They can help you identify which product is more popular and what people think of it.

SplitMyExpenses mentions (2)

  • Give me feedback and I'll be so grateful! SplitMyExpenses -- modern take on splitting bills with friends, powered by AI
    I recently went Indie and launched my long-term project: SplitMyExpenses on ProductHunt a week ago: https://www.producthunt.com/posts/splitmyexpenses. Source: about 3 years ago
  • Modern bill split app w/AI -- one click charge! SplitMyExpenses.com
    🥁 I'm thrilled to present: SplitMyExpenses, a modern bill splitting app that gets you your money back from friends and family, faster! 💭 As an adult splitting bills is very common when going out with friends but it's always time-consuming and painful to charge your friends for their share, but this is no longer! Source: about 3 years ago

SplittyX mentions (0)

We have not tracked any mentions of SplittyX yet. Tracking of SplittyX recommendations started around Sep 2026.

What are some alternatives?

When comparing SplitMyExpenses and SplittyX, you can also consider the following products

Splitwise - 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!

MemoGo - Your Go-To for Group Expenses

Tricount - Manage and share expenses with friends

Splitser - Splitser is the app for tracking, calculating and settling group expenses. ✓ Payment App ✓ Group Expenses ✓ Spend app

Settle Up - SETTLE UP is an indispensable app for friends and flatmates who need to keep track of shared bills...

Spliit - Free and Open Source Alternative to Splitwise. Share expenses with your friends and family.