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Splitwise VS PrivacyNotes

Compare Splitwise VS PrivacyNotes 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
Promote on VibeVoted
Alternatives Is it good?
PrivacyNotes

Notes, tasks, passwords, journal, files, calendar, contacts and bookmarks, with mood and medication tracking. Encrypted on your device. Open source, no ads, no trackers. Free forever; Pro is a one-time purchase.

Rating
5.0 · 3 reviews
Pricing
Open source Freemium Free trial $48 / One-off (Early adopter price)
3 VibeVoted sessions
Alternatives Is it good?
Finsepa
Bring your portfolios together, understand what drives your returns, and track your progress toward your goals — with research tools to explore every investment further. 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 65

Base details

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

Splitwise
PrivacyNotes
Website splitwise.com privacynotes.app
Pricing —
Open source Freemium Free trial $48 / One-off (Early adopter price) Official pricing
Platforms —
MacOS Web Firefox Google Chrome Edge Safari iOS iPhone iPad Android Linux +8
Company — Startup from Switzerland · 1 - 9 employees · 2026
Listed in
Personal Finance Expense Tracking Bill-Splitting Apps Finance +1
Note Taking Journal Task Management Private Photo Vault Password Managers Privacy Document Encryption File Encryption Private Journal Notes Personal Notes Knowledge Management +9

About Splitwise and PrivacyNotes

In their own words, as submitted to SaaSHub.

Splitwise
PrivacyNotes

No description of Splitwise yet.

PrivacyNotes is one home for your notes, tasks, passwords, journal, files, calendar, contacts and bookmarks, with mood and medication tracking. One app, encrypted on your device, instead of a stack of separate subscriptions. Everything you store is always encrypted with XChaCha20-Poly1305, on...

Read more about PrivacyNotes

Features and specs

What each product offers, as listed by its team.

Splitwise 7 features
PrivacyNotes 5 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.
  • Privacy-focused
    PrivacyNotes is designed with privacy as a core principle, aiming to keep your notes secure and away from third-party access, which appeals to users concerned about data confidentiality.
  • Encryption
    The service typically emphasizes encryption to protect note content, meaning your data is scrambled and less vulnerable to unauthorized reading if intercepted or stored.
  • Ephemeral notes
    Many privacy note services offer self-destructing or temporary notes that automatically delete after being read or after a set time, reducing the digital footprint left behind.
  • Simple and lightweight
    Such tools often provide a clean, minimal interface focused on quick note creation and sharing without unnecessary features, making it easy to use.
  • No account required
    Privacy-oriented note apps frequently allow you to create and share notes without registration, lowering the barrier to entry and reducing personal data collection.

Analysis

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

Splitwise
PrivacyNotes

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.

Overall verdict

  • I don't have verified, specific information about PrivacyNotes (privacynotes.app) to make a reliable assessment of its quality, security practices, or features. I cannot confirm details about its encryption methods, privacy policy, company background, or user reviews.

Why this product is good

  • Unable to verify claims about encryption or zero-knowledge architecture without independent confirmation
  • No access to current user reviews, ratings, or reputation data for this specific service
  • Cannot confirm company legitimacy, ownership, or track record
  • Unable to verify uptime, reliability, or actual security audit results
  • No information available on pricing structure or terms of service specifics

Recommended for

  • Before using, research independently via security audit reports if available
  • Check for third-party security reviews or penetration testing results
  • Verify the company's privacy policy and data handling practices directly on their site
  • Look for user reviews on independent platforms rather than relying on marketing claims
  • Consider established, well-audited alternatives if handling highly sensitive information

Videos

Walkthroughs and reviews on video.

Splitwise 3 videos + Add
PrivacyNotes 0 videos + Add

Splitwise - iPhone App Review! [2020]

More videos

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

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

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
PrivacyNotes
100% 100%
Personal Finance
0% 0%
0% 0%
Note Taking
100% 100%
100% 100%
Expense Tracking
0% 0%
0% 0%
Personal Notes
100% 100%

Questions & Answers

As answered by people managing Splitwise and PrivacyNotes.

How would you describe the primary audience of your product?

PrivacyNotes's answer:

People who want their private life in one private place: notes, plans, passwords, a journal and health records. It fits independent professionals who keep sensitive material, such as lawyers, journalists, therapists, doctors, developers, researchers and founders. It also fits anyone who is tired of paying for five apps that each hold one part of their life.

Which are the primary technologies used for building your product?

PrivacyNotes's answer:

React, TypeScript, Vite and Tailwind CSS.

What makes your product unique?

PrivacyNotes's answer:

PrivacyNotes keeps your notes, tasks, passwords, journal, files, calendar, contacts and bookmarks in one app, with mood and medication tracking. Everything is encrypted on your device with XChaCha20-Poly1305, under a key from a 12-word recovery phrase. Most privacy apps do one of these jobs and charge for it every month. PrivacyNotes does all of them, and Pro is a one-time purchase. The apps are open source, so anyone can check what they do.

Why should a person choose your product over its competitors?

PrivacyNotes's answer:

Three reasons:

  • One app, not a stack of subscriptions. Standard Notes, Day One, Daylio and Bitwarden each cover one part of your life. PrivacyNotes covers all of them, with one price, paid once.
  • Encrypted on your device. Your notes are always encrypted, on your device and on the way to our servers in Zurich, Switzerland. With self-custody, the server holds nothing that opens your notes.
  • Open source, no ads, no trackers. The apps and the encryption code are published for review, and there is no ad, tracker or analytics of what you write anywhere in the app.

What's the story behind your product?

PrivacyNotes's answer:

PrivacyNotes started from a simple frustration: staying organized meant spreading your life across half a dozen apps, each with its own monthly bill. We wanted one place for notes, tasks, a journal, files and passwords, encrypted on your device, and paid for once instead of forever. So we built the encryption first, made it the base of every feature, and published the apps as open source so the promise can be checked, not just believed. Everything else grew from one rule: your data is yours.

Who are some of the biggest customers of your product?

PrivacyNotes's answer:

We do not keep a customer list to show, and that is on purpose. You can sign up with only a 12-word phrase, with no email and no name, and the app has no trackers and no analytics. So we do not profile the people who use it. A privacy product that watched its users closely enough to name them would miss its own point.

User comments

Share your experience with using Splitwise and PrivacyNotes. For example, how are they different and which one is better?

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Reviews and articles

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

Splitwise no reviews yet
PrivacyNotes 5.0 · 3 reviews

View more

  • Room for Improvement!
    SaaSHub review
    · Oct 2026

    But it's pretty neat. I love the maximum heightened security & all the upgrades that are available.

  • Everything I Needed in One App
    SaaSHub review
    · Aug 2026

    This app checks every box for me. Clean interface, no learning curve, local-first encryption, and secure sync across all of my devices. The biggest surprise is how many apps it replaced. Instead of juggling separate...

  • Feature rich
    SaaSHub review
    · Jul 2026

    The best thing about this: No subscription model, it's a one-time fee for a lifetime license. But you can start for free with the generous freemium model. I only needed to upgrade to pro because I wanted to use the...

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