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Splitwise VS Knowi

Compare Splitwise VS Knowi and see what are their differences

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!

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0 reviews
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Knowi

Knowi is an agentic analytics platform. AI agents work inside the data layer to query SQL, NoSQL and APIs directly, join across sources without ETL, and build dashboards teams can use or embed in their own product.

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0 reviews
Pricing
Free Free trial
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DaytaBrain
DaytaBrain is your AI strategy partner: it keeps strategy and execution connected, warns leaders when initiatives drift, recommends the next decision and learns from the results. The 20 to 60 hours per cycle spent on reports? Gone. sponsored
Note: These products don't have any matching categories. If you think this is a mistake, please edit the details of one of the products and suggest appropriate categories.

Which is more popular?

Personal Finance popularity
100% vs 0%
alternatives listed
240+ vs 62

Base details

Website, pricing, platforms and company facts side by side.

Splitwise
Knowi
Website splitwise.com knowi.com
Pricing —
Free Free trial Official pricing
Company — Startup from the United States · 20 - 49 employees · 2015
Listed in
Personal Finance Expense Tracking Bill-Splitting Apps Finance +1
Analytics Product Analytics IoT Platform Business Intelligence Embedded Analytics Data Visualization Reporting & Dashboard AI Agents Agentic Analytics Analytics Dashboard Marketing Analytics +8

About Splitwise and Knowi

In their own words, as submitted to SaaSHub.

Splitwise
Knowi

No description of Splitwise yet.

Knowi is the Agentic Analytics Platform. It unifies data from anywhere, adds a governed semantic layer, and deploys AI agents that analyze, monitor, and act on live business data. Traditional BI tools bolt AI onto dashboards. Knowi was built AI-first. The semantic layer defines your metrics,...

Read more about Knowi

Features and specs

What each product offers, as listed by its team.

Splitwise 7 features
Knowi 10 features
  • 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.
  • Agents Inside the Data Layer
    AI agents connect to schemas and the query engine directly rather than sitting on top of finished dashboards, so they build queries, widgets and dashboards instead of only answering questions about ones that already exist.
  • Native NoSQL Analytics
    Query MongoDB and Elasticsearch in their own query language, including nested documents and arrays, without a BI connector or a separate flattening step.
  • Cross-Source Joins Without ETL
    Blend MongoDB, PostgreSQL, Snowflake, Databricks SQL, Trino, Salesforce and REST APIs in a single query, without first moving the data into a warehouse.
  • Semantic Layer as a Dataset Service
    Curated datasets, governed business definitions and a shared glossary the data team controls, so plain-English questions resolve against approved metrics rather than raw tables.
  • Wide Range of Integrations
    The platform connects to relational databases, NoSQL stores, cloud warehouses, SaaS APIs and files, including MongoDB, Elasticsearch, PostgreSQL, MySQL, Snowflake, Databricks SQL, Trino, BigQuery, Redshift, Salesforce and REST endpoints.
  • Real-Time Insights
    Knowi provides real-time data processing and visualization, which enables businesses to access up-to-date insights for timely decision-making.
  • Alerts and Scheduled Reporting
    Threshold and anomaly alerts routed to Slack, email or webhooks, plus scheduled PDF and CSV delivery.
  • MCP Server for AI Assistants
    A Model Context Protocol server so assistants such as Claude can query data, build widgets and create dashboards through Knowi's governed layer.
  • Flexible Deployment
    Run on Knowi Cloud, inside your own VPC, or fully on-premise.
  • No-Code Data Analytics
    Knowi offers a no-code platform that allows users to perform data analytics tasks without needing in-depth programming skills, making it accessible to data-driven teams.

Analysis

An editorial look at what each product does well and who it suits.

Splitwise
Knowi

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.

No analysis of Knowi yet.

Videos

Walkthroughs and reviews on video.

Splitwise 3 videos + Add
Knowi 1 video + Add

Splitwise - iPhone App Review! [2020]

More videos

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

Knowi: End-to-End AI Analytics Platform - Architecture Overview

Category popularity

How often each product is chosen within a category, 0–100% relative to the other.

Score bands 0–20 21–40 41–50 51–60 61–100
Splitwise
Knowi
100% 100%
Personal Finance
0% 0%
0% 0%
Analytics
100% 100%
100% 100%
Expense Tracking
0% 0%
0% 0%
IoT Platform
100% 100%

Questions & Answers

As answered by people managing Splitwise and Knowi.

Who are some of the biggest customers of your product?

Knowi's answer:

Verizon Telstra Everbridge ConvergeOne NJM Insurance Volante Systems intlx Solutions Alteas Health Hometime Tata

What makes your product unique?

Knowi's answer:

Knowi runs AI agents inside the data layer rather than on top of finished dashboards. The agents reach schemas and the query engine directly, which means they can build queries, widgets and dashboards, not just answer questions about ones that already exist.

That architecture comes from what Knowi was built to do: query data where it already lives. It speaks MongoDB and Elasticsearch in their own query language, including nested documents and arrays, and it joins across MongoDB, PostgreSQL, Snowflake, Databricks SQL, Trino, Salesforce and REST APIs in a single query without first moving anything into a warehouse.

Knowi also runs its own AI by default, with OpenAI and Claude available as optional integrations rather than requirements, and it deploys to cloud, your own VPC, on-premises via Docker or Kubernetes, or air-gapped.

Why should a person choose your product over its competitors?

Knowi's answer:

Three practical reasons.

Your data does not have to be relational first. Most BI tools need a warehouse and an ETL pipeline before you see a chart, which means unstructured, nested and API data either gets flattened or gets left out. Knowi queries those sources natively, so the modelling work you would normally do up front becomes optional.

The AI is part of the query path, not a chat box on the side. Many platforms added a copilot that describes existing dashboards. Knowi's agents have access to the schema and the query engine, so they can create new datasets, widgets and dashboards from a question.

You control where it runs and which model touches your data. Knowi AI is the default, third-party models are optional, and deployment can be Knowi Cloud, your own VPC, on-premises, or air-gapped. Knowi is SOC 2 Type II certified, GDPR compliant, and offers a HIPAA BAA.

How would you describe the primary audience of your product?

Knowi's answer:

Data, engineering and product teams at mid-market and enterprise companies whose data is spread across more than one kind of system: NoSQL alongside SQL, warehouses alongside SaaS APIs and documents.

Two buying patterns show up most often. Internal analytics teams who need governed self-service across sources without building a pipeline for every question. And product teams who need customer-facing, multi-tenant analytics embedded inside their own application with row-level access control.

By industry, the customer base skews to telecom, healthcare, manufacturing, SaaS and adtech, proptech and e-commerce. Knowi is sold through a sales team and priced per deployment rather than by public self-serve tier.

What's the story behind your product?

Knowi's answer:

Knowi was founded in 2014, at the point where a lot of production data had stopped being relational. Teams were running MongoDB and Elasticsearch, and the BI tools of the day all assumed a star schema in a warehouse. Getting a dashboard meant building a pipeline first, and anything nested or semi-structured got flattened or dropped along the way.

Knowi was built the other way round: connect to the source, query it in its own language, and join across sources at query time instead of moving the data. Cross-source joins, post-query transformation and a dataset layer that data teams could govern followed from that starting point, and embedded analytics came from customers who wanted to give the same views to their own users.

The AI work is a continuation rather than a pivot. Because Knowi already owned the query path across every connected source, AI agents could be placed inside the data layer with access to schemas and the query engine, instead of being bolted onto a finished dashboard.

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Reviews and articles

External articles and on-site reviews we used to compare the two products.

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