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Splitwise VS Palmio

Compare Splitwise VS Palmio 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!

Rating
0 reviews
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Alternatives Is it good?
Palmio

AI software for French public tenders, from monitoring to bid documents.

Rating
0 reviews
Pricing
Paid
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Alternatives Is it good?
GilFlow
GilFlow is smart cash flow management for individuals and teams — track income, expenses, subscriptions, and cash flow across every workspace, on the web and on Android. 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 13

Base details

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

Splitwise
Palmio
Website splitwise.com palmio.ai
Pricing —
Paid
Platforms —
Web
Company — Startup from France · 1 - 9 employees
Listed in
Personal Finance Expense Tracking Bill-Splitting Apps Finance +1
Tender Management Public Tender RFP Software Procurement Government Contracting Bidding SaaS AI +5

About Splitwise and Palmio

In their own words, as submitted to SaaSHub.

Splitwise
Palmio

No description of Splitwise yet.

Palmio is French software for SMEs, mid-sized companies and sales teams that respond to public tenders. It monitors BOAMP, TED and buyer profiles every day and gives each tender a relevance score based on the company's activity. It also analyzes the tender documents and tracks awarded...

Read more about Palmio

Features and specs

What each product offers, as listed by its team.

Splitwise 7 features
Palmio 4 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.
  • Daily tender monitoring
    BOAMP, TED and buyer profiles, with a relevance score for each tender
  • Tender document analysis
    Analysis of the consultation documents (DCE)
  • Bid document drafting with AI
    Technical proposal, cover letter, DC1, DC2, DC4, DUME, price schedule, delivery schedule, commitment form
  • Company library
    References, CVs, past proposals and certificates

Analysis

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

Splitwise
Palmio

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 Palmio yet.

Videos

Walkthroughs and reviews on video.

Splitwise 3 videos + Add
Palmio 1 video + Add

Splitwise - iPhone App Review! [2020]

More videos

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

Répondez à 10 Appels d'Offre en seulement 5 jours

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
Palmio
100% 100%
Personal Finance
0% 0%
0% 0%
Procurement
100% 100%
100% 100%
Expense Tracking
0% 0%
0% 0%
SaaS
100% 100%

Questions & Answers

As answered by people managing Splitwise and Palmio.

What makes your product unique?

Palmio's answer:

Palmio follows a French public tender from detection to the bid file in a single tool. It monitors BOAMP, TED and buyer profiles every day, scores each tender for relevance, analyzes the consultation documents and drafts the bid documents with AI from the company's own library of references, CVs and past proposals. Each response receives a score out of 100 with suggested fixes, and no bid is submitted without human approval.

Why should a person choose your product over its competitors?

Palmio's answer:

Palmio is built around French public procurement. It reads the sources that French buyers publish (BOAMP, TED and buyer profiles), prepares the documents that French public buyers expect (DC1, DC2, DC4, DUME, price schedule and commitment form) and tracks awarded contracts (DECP) and upcoming renewals to anticipate the next consultations. The offer is tailored to each customer, and a free demo with no obligation shows how it fits the company's own tenders.

How would you describe the primary audience of your product?

Palmio's answer:

SMEs, mid-sized companies and sales teams that respond to public tenders in France and need to save time on monitoring and on preparing their responses.

What's the story behind your product?

Palmio's answer:

Palmio is published by Palmio SASU, a company based in Paris and registered in October 2026, led by its president and founder Mickaël Bertolla. The software was built to save companies time on tender monitoring and on preparing bid documents.

User comments

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Reviews and articles

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

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