Software Alternatives, Accelerators & Startups

SplittyX VS Splitwise

Compare SplittyX VS Splitwise and see what are their differences

SplittyX logo SplittyX

Track shared expenses, see who owes whom, and settle up with one tap.

Splitwise logo 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!
  • 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.

  • Splitwise Landing page
    Landing page //
    2023-01-23

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

Splitwise

Pricing URL
-
$ Details
-
Platforms
-
Release Date
-

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

Splitwise features and specs

  • 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 of Splitwise

  • 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 of Splitwise

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.

SplittyX videos

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Splitwise videos

Splitwise - iPhone App Review! [2020]

More videos:

  • Review - Tricount vs Splitwise - App comparison
  • Demo - Splitwise Demo

Category Popularity

0-100% (relative to SplittyX and Splitwise)
Travel
100 100%
0% 0
Personal Finance
1 1%
99% 99
Expense Tracking
0 0%
100% 100
Mobile Apps
100 100%
0% 0

Questions & Answers

As answered by people managing SplittyX and Splitwise.

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.

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Reviews

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Splitwise Reviews

12 Best Bill Splitting Apps in 2023
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 this expense sharing app, users can either create groups or split the bill privately among friends. Splitwise also registers and saves all the expenses and...
6 Best Bill Splitting Apps for Hassle-Free Expense Sharing
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 application also keeps everyone updated about their balances and recent transactions.
Best Bill-Splitting Apps
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. Once you’ve divided up the food among all the plates you can add in tax and tip. The app is made by the same company as Splitwise and is completely free. The only...
7 Best Budgeting Tools and Apps for Personal Finance
This one’s not a complete budgeting app but it’s still a handy one. Splitwise is a nifty app that helps people track how much they owe to friends and colleagues and vice versa. It makes sharing expenses on outings, meals, events, etc easy to track by logging in each transaction. It basically keeps a total over time, so that you can pay back the money in a large payment,...

What are some alternatives?

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

Tricount - Manage and share expenses with friends

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

Splid - Splid helps friends manage their money.

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

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

Bantu - Bantu is a free, All in one, social Multicurrency group app, that allows groups to share, save and spend and chat in one place. Share the cost before you are owed any money. Everybody in the group can see who paid for what and who owes out.