YNAB
Mint
HomeBank
GnuCash
Monarch
Money Manager Ex
Quicken
Actual Budget
Eider
Splitwise
Spliit
SplitMyExpenses
Equilaz
ihatemoney
SplitEase
SplitMatePro
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.
YNAB EiderEider'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.
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.
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.
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.
Eider's answer:
Based on our record, YNAB seems to be more popular. It has been mentiond 1 time since March 2021. We are tracking product recommendations and mentions on various public social media platforms and blogs. They can help you identify which product is more popular and what people think of it.
Clickable link: https://ynab.com I'm a huge fan of You Need A Budget, it was instrumental in giving me control over my finances. It feels like a superpower to see all my money in one place and not care which bank account the dollars actually reside. Also makes it easier to take advantage of various offers (Credit card or things like HYSA) since I know all the records will live in YNAB and I have full control... - Source: Hacker News / 10 months ago
You'll be going into a tight budget time, so get a really good system in place. If you don't have that you love already, I recommend YNAB (youneedabudget.com). It's envelope based and is really good for planning ahead for irregular expenses and for "rolling with the punches" if something comes up. It works differently than traditional monthly budget, so take time to use all the resources to learn the system. ... Source: about 3 years ago
I also said in a comment below, I use YNAB to track my financial life. This strategy only works if you have enough confidence in your finances to know that if I gave you a card with 100k credit limit, you would never spend more on it than what you have in your bank and has been budgeted for. If not, I cannot overstate how important it is to get your budget in order beforehand. There’s zero money saved if you pay... Source: about 3 years ago
If you aren’t already giving every dollar you make a job, earning more money will only get you so far. Check out YNAB, read all the free content about learning to plan and budget. Source: over 3 years ago
Track it by hand or in software. I started out with just a spreadsheet, but since then moved my whole budget to YNAB (youneedabudget.com), where you track all your individual savings goals as well as how your money will be used to cover regular (and irregular) expenses. Now the whole plan is in one place, and covers everything from how much is set aside for gardening supplies for this summer to the big... Source: over 3 years ago
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HomeBank - Free, easy, personal accounting, for everyone
Spliit - Free and Open Source Alternative to Splitwise. Share expenses with your friends and family.
GnuCash - A personal and small-business financial-accounting software, licensed under GNU/GPL and available for Linux, Windows, Mac OS X, BSD, and Solaris.
SplitMyExpenses - Simplify shared expenses with friends, hassle-free