We’ve all been there that awkward moment when someone says, “Wait… who still owes what?” Whether it’s splitting rent with your roommates, settling dinner bills after a night out, or tracking travel expenses on a Euro trip, managing shared money can get messy. Enter 2025, where expense-splitting apps have gone beyond basic math. Today’s tools don’t just tell you who owes whom, they track multiple currencies, sync across devices, auto-fetch bills from delivery apps, and even integrate with your UPI or bank account. If you’ve outgrown Splitwise or simply want something more powerful, private, or personalized – Below is the list of Top 10 Splitwise Alternatives for 2025 for smarter, smoother group expense management.
Best Expense Splitting Apps Like Splitwise (2025 Edition) – Splitwise Alternatives Apps Overview
| App Name | Best For | Region / Focus | Key Features | Pricing |
|---|---|---|---|---|
| Settle Up | Global travel & recurring expenses | International | Supports 150+ currencies, recurring bills, smart auto-settlement | Free / Paid Pro |
| Tricount | Simplicity & no sign-up | Global | No login needed, shareable expense link, works on any device | Free |
| Splid | Offline or remote use | Global | Works fully offline, auto-syncs later, supports multi-currency | Free / Paid |
| Google Pay | Instant UPI settlements | India | Split bills in chats, instant UPI transfers, no transaction fees | Free |
| Venmo | US users with built-in payments | USA | Integrated payments, social feed, PayPal-backed security | Free |
| Spliit | Privacy-first open-source users | Global | Ad-free, open-source, community-driven, full data control | Free |
| Tab | Restaurant bills | Global | Snap bill photo, tap items ordered, auto tax & tip calculation | Free |
| Splitkaro | Indian e-commerce & food delivery | India | Integrates with Zomato, Swiggy, BlinkIt; auto-splits by item | Free |
| QuadPay (Zip) | BNPL & large shared payments | USA / Global | Split into 4 installments, zero interest if on time, works with retailers | Free (no interest if on time) |
| Finanjo (Coming Soon) | Indian users & financial tracking | India | RBI-integrated, consent-based data access, combines personal + shared finances | Free |
1. Settle Up
SettleUp is the Ultimate Splitwise Alternative for Global Travelers Travel the World to Split Bills Effortlessly. If your group is always on the move from Goa to Greece!! Settle Up has your back. It’s built for international expense tracking and long-term group budgeting, making money management feel easy, fair, and stress-free.
Why It Stands Out
Unlike most shared expense apps, Settle Up handles real-time currency conversion and recurring payments without a glitch. Whether it’s rent, utilities, or monthly Netflix subscriptions, everything gets split perfectly.
Features of Settleup App
- 150+ currencies supported with live exchange rates, no manual conversions needed.
- recurring expenses for long-term setups like rent, Wi-Fi, or shared bills.
- Smart auto-settlement that reduces the number of payments required.
- Syncs across all devices (and even works offline when traveling).
- Expense insights & charts to help you understand who owes what instantly.
Perfect For
- Frequent travelers who deal with multi-currency expenses
- Friends or roommates managing recurring shared costs
- Couples or groups looking for a clear, no-conflict money tracker
Missed Payments? Not Anymore! Settle Up sends smart reminders, so no one forgets to pay their share. It’s like having a friendly accountant in your pocket minus the stress.
Bottom Line
Settle Up is the go-to Splitwise alternative for 2025 if you value simplicity, global usability, and smart automation. From daily expenses to cross-border trips, this app ensures everyone stays on the same financial page no matter the currency
2. Tricount
Tricount is the best Splitwise Alternative for Simplicity & No Sign-Up Hassle Split Bills in Seconds – No Login Needed! Not a fan of creating accounts or remembering passwords? Tricount keeps things refreshingly simple. It lets you split group expenses instantly no sign-up, no downloads, just a shareable link that works for everyone.
What Makes Tricount Special
Tricount is all about zero friction. You can start tracking shared costs in seconds and invite your friends just by sending them a link. Whether it’s a weekend trip, a birthday dinner, or a movie night Tricount handles it with ease.
Features of Tricount
- Instant expense lists: create, share, and manage via a simple link.
- no app or login required, making it super convenient for quick use.
- Works on any device: mobile or desktop, no installation needed.
- Transparent expense summary so everyone sees who owes what.
- Comment option to add notes or details to shared expenses.
Perfect For
- One-time plans like dinners, trips, or parties
- Casual groups that don’t want to bother with sign-ups
- Anyone who loves a clean, fast, and ad-free interface
Why People Love It
Because Tricount is lightweight yet reliable, it focuses only on what matters: fair splitting. No complicated menus, no extra steps, just smooth expense sharing.
Bottom Line
If you’re after a minimalist Splitwise alternative that gets the job done without any extra fuss, Tricount is your best pick. It’s quick, intuitive, and perfect for people who just want to “split and go.”
3. Splid
Best Splitwise Alternative for Offline or Remote Use Track Expenses Anywhere Even Without Internet! Heading on an off-grid adventure or remote road trip? Splid makes sure your expense tracking doesn’t stop when the Wi-Fi does. It’s built for travelers who want smooth, offline-friendly bill management that syncs automatically when they’re back online.
What Makes Splid Stand Out
Unlike most expense-sharing apps, Splid doesn’t rely on constant connectivity. Whether you’re hiking through the Himalayas or camping with friends, you can log every expense offline and everything updates perfectly once you reconnect.
Features of Splid App
- Full offline mode – add bills and splits without any network.
- Auto-sync – all your data updates instantly once you’re back online
- Multi-currency support – perfect for cross-border trips.
- Visual reports that show balances and group totals clearly.
- Simple sharing – invite group members via a link or QR code.
Perfect For
- Backpackers exploring areas with weak internet access
- Digital nomads who travel often and need reliable tracking
- Remote work teams managing shared project or travel expenses
Why People Love It
Because Splid brings freedom and flexibility you never have to worry about losing expense data when you’re offline. It’s lightweight, secure, and surprisingly powerful for travelers.
Bottom Line
Splid is the best Splitwise alternative for offline expense tracking. Whether you’re hiking through mountains or hopping between countries, it keeps every rupee (or dollar) accounted for with or without the internet.
4.Google Pay
When it comes to fast and reliable expense settlements in India, nothing beats Google Pay. It’s the go-to choice for users who want instant UPI-based bill splitting without the need for any extra app or wallet.
What Makes Google Pay Stand Out
With Google Pay, you can split bills directly in chats or groups, send reminders, and settle balances instantly. Whether it’s dinner with friends or a weekend trip, your payments are done in seconds: secure, simple, and zero-fee.
Features of Google Pay Split
- Split bills directly in chats or group conversations.
- Instant UPI transfers money moves directly between bank accounts.
- Zero transaction fees for all personal transfers.
- Smart payment reminders to nudge your friends (politely!) to pay up.
- Strong security with UPI PIN and Google’s fraud protection.
Perfect For
- Indian users who already use GPay for day-to-day transactions.
- Friends, couples, or families who want to split bills quickly without downloading another app.
- Anyone who values speed, safety, and convenience in payments.
Why People Love It
Because Google Pay feels effortless no wallet top-ups, no waiting for settlements. Just tap, split, and pay instantly. It’s India’s most trusted and widely accepted way to settle shared expenses.
Bottom Line
If you’re already using GPay, you don’t need to look further. It’s the best Splitwise alternative for instant UPI-based settlements perfect for quick, everyday expense sharing among friends and family.
5. Venmo
Venmo is the perfect blend of payments and social connection. It’s not just about splitting expenses, it’s about making money transfers fun, fast, and social. It is the Best Splitwise Alternative for US Users with Built-In Payments Split, Pay & Stay Connected, All in One App For users in the United States,
What Makes Venmo Stand Out
Unlike most expense-splitting apps, Venmo has a built-in payment system that lets you send or receive money instantly using your Venmo balance, bank account, or card. Plus, its social feed makes expense sharing more interactive and transparent.
Features of Venmo Split
- Integrated payments – pay directly from your Venmo balance, linked bank, or credit card.
- Social payment feed where you can see and react to your friends’ transactions.
- Smart notifications to remind friends when it’s time to pay back.
- Easy bill splitting within group chats or shared expenses.
- Strong security and encryption backed by PayPal.
Perfect For
- US-based users who already use Venmo for personal or daily transactions.
- Friend groups, roommates, or couples who want a social touch to expense tracking.
- Anyone who prefers instant, integrated payment options instead of manual settlements.
Why People Love It
Venmo turns money matters into something casual and simple, no awkward “who owes what” conversations. It’s quick, trusted, and fun, with payments completed in just a few taps.
Bottom Line
If you’re in the US and want a Splitwise alternative that doubles as a payment platform, Venmo is your best bet. It’s secure, instant, and social, making shared expenses feel more like moments than money.
6. Spliit
Best Open-Source Splitwise Alternative Your Expenses, Your Privacy – 100% Transparent If you care about data privacy and open-source freedom, Spliit is the perfect Splitwise alternative for you. Built by a global community of developers, it offers a simple, ad-free, and privacy-focused way to track shared expenses without handing over your personal data.
What Makes Spliit Stand Out
Unlike most commercial apps, Spliit doesn’t collect or sell your data. Everything stays fully transparent and under your control. Plus, being open-source means anyone can verify its code, suggest improvements, or even customize it to suit their group’s needs.
Features of Spliit App
- Clean, ad-free interface focused purely on expense management.
- Open-source and community-driven, ensuring constant improvements.
- Privacy-first design – no hidden tracking or unnecessary permissions.
- Cross-platform compatibility – works on web, desktop, and mobile.
- Simple expense tracking with fair, accurate calculations.
Perfect For
- Privacy-conscious users who want total control over their data.
- Developers or tech-savvy users who love open-source software.
- Small teams or friend groups seeking a lightweight, no-nonsense expense tracker.
Why People Love It
Because Spliit gives back control and transparency to users. It’s refreshing, secure, and customizable without the clutter or data sharing common in most commercial apps.
Bottom Line
If you’re looking for a free, open-source Splitwise alternative that values privacy and simplicity, Spliit is your best match. Transparent, clean, and community-powered it’s expense tracking done right.
7.Tab
No More “Who Ordered What?” Drama at the Table If you’ve ever sat at a restaurant trying to split a messy bill, Tab is about to be your new best friend. Designed specifically for group dining, it makes splitting food bills fast, fair, and frustration-free right at the table.
What Makes Tab Stand Out
Tab takes the confusion out of shared meals. Just snap a photo of your restaurant bill, let the app read the items, and then each friend taps what they ordered. Tab automatically handles tax, tip, and total, no calculator or mental math required!
Features of Tab App
- Scan your bill instantly using your phone’s camera.
- Tap to claim your items – each diner selects what they ordered.
- Auto-calculates tax and tip, evenly or proportionally.
- Share the bill link so everyone can review and pay their share.
- Lightning-fast setup – perfect for large groups or quick meals.
Perfect For
- Friends or coworkers dining out together.
- Foodies and group travelers who eat out frequently.
- Anyone who wants no confusion, no arguments just clear totals.
Why People Love It
Because Tab makes splitting restaurant bills simple, social, and fair. It turns the most chaotic part of eating out into a one-minute task that everyone understands.
Bottom Line
Tab is hands down the best Splitwise alternative for restaurant bills. Just snap, tap, and split – and you’re done. Fast, accurate, and perfect for every dinner table moment.
8. Splitkaro
Best Splitwise Alternative for Indian E-Commerce & Delivery Apps Split Food, Groceries, and More Automatically! In the age of Swiggy orders and BlinkIt grocery runs, Splitkaro brings a fresh Indian touch to expense sharing. It’s a homegrown Splitwise alternative that integrates directly with your favorite delivery and shopping apps, making bill-splitting completely hands-free.
What Makes Splitkaro Stand Out
Built for the modern Indian lifestyle, Splitkaro connects seamlessly with apps like Zomato, Swiggy, and BlinkIt. It automatically fetches your orders, itemizes the bill, and splits costs by who ordered what no manual entry, no confusion.
Features of Splitkaro App
- Automatic integration with top Indian delivery and e-commerce apps.
- Fetches bills in real time and divides them accurately by item.
- Supports UPI-based payments for instant settlements.
- Simple interface designed for quick order-to-split flow.
- Perfect for roommates or friend groups who share regular expenses.
Perfect For
- Roommates who often order food or groceries together.
- Friends or couples managing frequent delivery app payments.
- Indian users looking for an app that fits local payment systems and habits.
Why People Love It
Because Splitkaro feels effortless it handles the boring part (calculating and splitting) so you can enjoy your meal or shopping spree stress-free. Plus, it’s proudly Made in India, designed for Indian spending patterns.
Bottom Line
Splitkaro is the best Splitwise alternative in India for anyone who frequently orders online. With smart delivery app integration and UPI support, it’s the smoothest way to split food, groceries, and shopping bills with zero hassle.
9. QuadPay
Best Splitwise Alternative for Payment Plans & BNPL Flexibility Split Big Payments into Easy, Stress-Free Installments Not every shared expense needs to be paid all at once and that’s where QuadPay shines. While it’s not a traditional expense-splitting app, it’s the perfect tool to split large payments into four easy, interest-free installments, helping you manage bigger expenses without the burden.
What Makes QuadPay Stand Out
QuadPay, now part of Zip, offers Buy Now, Pay Later (BNPL) convenience for users who want financial flexibility. Whether you’re buying concert tickets, gadgets, or a shared Airbnb booking, QuadPay helps you pay your portion over time with zero interest if paid on schedule.
Features of QuadPay App
- Splits any payment into four equal installments over six weeks.
- Zero interest when payments are made on time.
- Works across major retailers and online stores.
- Flexible payment options using your debit or credit card.
- Smart reminders to keep your payments on track.
Perfect For
- Individuals managing large shared expenses (like trips or events).
- Friends or couples who prefer spreading out payments instead of paying upfront.
- Anyone looking for BNPL flexibility alongside traditional expense sharing apps.
Why People Love It
Because QuadPay offers the freedom to enjoy experiences now and pay later without falling into debt traps. It’s a responsible way to manage your share of big bills while keeping your cash flow healthy.
Bottom Line
QuadPay is the best Splitwise alternative for handling large or one-time shared expenses. With zero-interest installments and BNPL convenience, it’s ideal for users who want to split not just with friends, but also across time.
10.Finanjo ( coming soon….)
Smart Money Tracker Made for Indian Users More Than Just Splitting Bills . Finanjo is a Complete Financial Companion If you’re looking for a Splitwise alternative designed for India, Finanjo is your go-to app. It doesn’t just track shared expenses it gives you a 360° view of your personal and group finances, all while staying compliant with RBI regulations.
What Makes Finanjo Unique
Unlike regular expense-sharing apps, fetching data from SMS or recording manually, Finanjo integrates with RBI’s Account Aggregator framework to directly fetch your transactions data – ensuring your financial data stays secure, consent-based, and transparent. You can manage shared bills, personal budgets, and group transactions – all from one dashboard.
Features in Finanjo Split – Coming Soon
Perfect For
- Indian users who want secure, RBI-compliant financial management.
- Roommates, families, or small businesses managing shared and personal budgets together.
- Anyone looking to replace Splitwise with a smarter, India-first alternative.
Why People Love It
Finanjo merges modern fintech tools with simplicity. It’s perfect for users who want to track expenses and stay financially aware – without juggling multiple apps.
Bottom Line
Finanjo isn’t just another Splitwise alternative – it’s a smart money tracker built for Indian users. From splitting dinner bills to understanding your monthly spending patterns, it helps you stay financially balanced, secure, and compliant – all in one app.
Frequently Asked Questions (FAQs) – Splitwise Alternatives 2025
1. What is the best Splitwise alternative in 2025?
The best Splitwise alternative depends on your needs:
For global travel – Settle Up (multi-currency, recurring bills).
For Indian users – Finanjo or Google Pay (UPI-based, RBI-compliant).
For offline use – Splid.
For quick and simple splits – Tricount.
2. Which app is best for splitting rent or household bills?
Settle Up and Finanjo are great for recurring expenses like rent and utilities. Both allow recurring entries and easy tracking of who paid what, making them perfect for roommates or long-term shared finances.
3. Are there any Splitwise alternatives that work offline?
Yes, Splid is the best offline Splitwise alternative. You can record expenses without internet access, and the app syncs automatically when you reconnect.
4. Which Splitwise alternative is free and has no ads?
Spliit (open-source) and Tricount (free version) are completely ad-free. They offer a clean interface and privacy-friendly expense tracking without hidden charges.
5. Is there an Indian app similar to Splitwise?
Yes, Finanjo and Splitkaro are top Indian alternatives to Splitwise.
Finanjo integrates UPI and personal finance management under the RBI’s Account Aggregator system.
Splitkaro automatically fetches bills from Zomato, Swiggy, and BlinkIt for easy itemized splitting.
6. Can I use Google Pay to split bills?
Yes! Google Pay’s built-in bill-splitting feature lets you create groups, add expenses, and send UPI payment requests to settle instantly – perfect for Indian users who prefer quick settlements.
7. What’s the best Splitwise alternative for dining out with friends?
Tab is designed specifically for restaurant bills. Just take a photo of the receipt, and everyone can tap their ordered items. The app auto-calculates each person’s total including tax and tip.
8. Which app lets you split expenses with friends internationally?
Settle Up is the best international option. It supports over 150 currencies, handles real-time conversions, and minimizes transactions when settling up across borders.
9. Are Splitwise alternatives safe to use?
Yes – reputable apps like Finanjo, Settle Up, and Google Pay use encryption and secure frameworks. Finanjo, in particular, operates under India’s RBI-regulated Account Aggregator model for enhanced security and data privacy.
10. What’s the best app for splitting large purchases or shared subscriptions?
If you need flexible payments, QuadPay (a Buy Now, Pay Later service) lets you divide one large bill into four equal installments – ideal for shared purchases like furniture or electronics.
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