Software Alternatives, Accelerators & Startups

Splitwise VS Eider

Compare Splitwise VS Eider and see what are their differences

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!

Eider logo Eider

Eider is the free way to split shared expenses on a trip or at home. It remembers your usual split and tracks who owes whom. Adding an expense is never capped, delayed, or interrupted. Plus adds receipt scanning, bank import, and spending reports.
  • Splitwise Landing page
    Landing page //
    2023-01-23
  • Eider
    Image date //
    2026-08-31
  • Eider
    Image date //
    2026-08-31
  • Eider
    Image date //
    2026-08-31
  • Eider
    Image date //
    2026-08-31
  • Eider
    Image date //
    2026-08-31
  • Eider
    Image date //
    2026-08-31
  • Eider
    Image date //
    2026-08-31

Eider is the free, easy way to split shared expenses whether on a trip or at home, then settle up simply.

No ads. No paywalls on the essentials. No limit on the people or expenses you track. Just a well-made ledger that does the math so nobody has to keep a mental tally.

HOW IT WORKS - Start a nest for your trip, your household, or whatever you share. - Add an expense in seconds. Eider remembers your usual split. - See a running balance of who owes whom, simplified down to the fewest payments. - Settle up through the app you already use: Venmo, Cash App, PayPal, Zelle, or Apple Cash. Eider records it, and it never touches your money.

BUILT FOR REAL LIFE - Made for trips: throw every flight, cab, cabin, and dinner into one place and walk away square. - Just as good at home: rent, groceries, utilities, and the everyday back-and-forth. - Split any way: evenly, by percentage, or exact amounts. - Set a standing split once and forget it. - Recurring expenses for rent, utilities, subscriptions, and anything else.

FREE, AND NOT A TRIAL Everything above is free. No ads, and no cap on the people or the expenses you track.

EIDER PLUS - $8.99 a month, or $89.99 a year - Scan a receipt and let Eider read the merchant, date, and total off it. - Split one receipt line by line instead of evenly. - A searchable library of every receipt your nest has captured. - Spending patterns, period reports, and a monthly digest of where the money went. - Connect a bank account and bring transactions in automatically.

Plus is a personal membership rather than a per-nest upgrade. An annual membership also shares receipt scanning and line-item splitting with everyone in the nests you create.

Eider

Website
eider.app
$ Details
freemium $8.99 / Monthly (Plus, or $89.99/yr covers the nests you create)
Platforms
iOS Android Web
Release Date
2026 August
Startup details
Country
United States
State
CO
Founder(s)
Robert Henderson
Employees
1 - 9

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.

Eider features and specs

  • 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.

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.

Splitwise videos

Splitwise - iPhone App Review! [2020]

More videos:

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

Eider videos

No Eider videos yet. You could help us improve this page by suggesting one.

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Category Popularity

0-100% (relative to Splitwise and Eider)
Personal Finance
99 99%
1% 1
Finance
97 97%
3% 3
Expense Tracking
98 98%
2% 2
Productivity
0 0%
100% 100

Questions & Answers

As answered by people managing Splitwise and Eider.

What makes your product unique?

Eider's answer:

Eider records, it doesn't enforce. There is deliberately no way to reject, dispute, or counter what someone else added, because an app arbitrating between housemates was never going to settle anything a conversation couldn't. Most splitters are built around approval flows that quietly frame the people you live with as counterparties. The second thing is that the free tier is genuinely uncapped: unlimited expenses, members, nests, and history, with no ads. Free is the product, not a trial. And Eider runs natively on iOS, Android, and the web from one account, which is rarer in this category than it sounds.

Why should a person choose your product over its competitors?

Eider's answer:

Three concrete reasons. Free has no daily expense limit and no ads, so you never hit a wall mid-trip and get asked to pay to finish adding dinner. Paid is a person-held pass rather than a per-person tax: one annual subscription covers everyone in the nests you create, so a six-person trip is one subscription instead of six, all year rather than for one 30-day window. And Eider is on iOS, Android, and web, so nobody in the group is left on a worse version because of the phone they own. Everything else is a well-made ledger that does the math and stays out of the way with beautiful design and user experience.

How would you describe the primary audience of your product?

Eider's answer:

People sharing money with people they actually know. Three groups in practice: roommates and households splitting rent, groceries, and utilities month after month; couples keeping a shared ledger without merging finances, and friends on a trip who want to walk away square rather than argue about it or venmo after every single transaction. Households are the ones who stay, trips are how most people find it. It works identically for one person keeping their own record, with no pressure to invite anybody.

What's the story behind your product?

Eider's answer:

An eider is a sea duck, and eiderdown is the softest natural material on earth. The birds line their nests with it. That is the whole idea: sharing money with people you love should feel soft rather than stressful, so the app's word for a shared space is a nest. It was built by one person, Robert Henderson, under Loftery LLC in Colorado, after too many trips that ended in a group chat, a notes app, and somebody quietly eating the difference.

Which are the primary technologies used for building your product?

Eider's answer:

  • TypeScript across a Turborepo monorepo, with the business logic shared between platforms
  • Next.js on the web, deployed on Vercel
  • React Native and Expo on iOS and Android, shipping updates over the air
  • PostgreSQL on Neon, with Prisma
  • Better Auth, including Sign in with Apple and Google
  • TanStack Query for data and Tailwind CSS on the web
  • Cloudflare for DNS and the realtime sync layer
  • Sentry, PostHog, and Resend
  • Stripe, Apple In-App Purchase, and Google Play Billing
  • Plaid for bank connections
  • Claude for reading receipts

User comments

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Reviews

These are some of the external sources and on-site user reviews we've used to compare Splitwise and Eider

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,...

Eider Reviews

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What are some alternatives?

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

Tricount - Manage and share expenses with friends

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

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

SplitMyExpenses - Simplify shared expenses with friends, hassle-free

Splid - Splid helps friends manage their money.

Equilaz - Free, unlimited expense splitting built for installments and multi-currency.