Splitwise helps friends, families, housemates and trip groups track shared expenses, IOUs and balances. Users can split costs equally or unequally, including by percentage or shares, and the service calculates totals and can simplify debts among group members. It supports recurring expenses, offline mode and cloud sync, with support listed for more than 100 currencies. The free plan includes unlimited expenses, groups and friends, equal or unequal splits, shared balances, offline mode and cloud sync. Pro adds features including currency conversion using current foreign exchange rates, transaction import, charts and graphs, receipt scanning and itemization, expense search, default split settings and no ads. Transaction import connects a credit or debit card to show recent purchases for splitting and is currently available only in the US. Users can record cash or online payments; Splitwise Pay supports sending payments to friends in the US. The service also offers an API for authorized third-party access. Shared expense details are visible to the relevant friends or group members. Splitwise says expense, IOU, debt and payment entries are informal records, not legally binding, and the service is not for children under 13.
Who it is for
Splitwise suits friends, families, housemates and trip groups that need to divide expenses and keep track of balances. Users who want Pro features such as currency conversion or card transaction import should note that import is currently limited to the US.
What is good
- Splits costs equally or by percentage or shares.
- Calculates group balances and can simplify debts.
- Free plan includes unlimited expenses.
- Supports offline mode and cloud sync.
- Lists support for more than 100 currencies.
What to know first
- Card transaction import is currently US-only.
- Splitwise Pay sending is limited to friends in the US.
- Expense and payment entries are not legally binding.
- The service is not for children under 13.
Verdict
Splitwise covers shared spending from expense entry through group balance calculation, with offline access and a free plan that includes unlimited expenses. Its records are informal rather than legally binding, and some payment and import features have US limits.
Splitwise plans and pricing
All plansCompared on personal finance software
- Free plan
- Yes
- Split payments
- Yes
- Payment requests
- Yes
- International transfers
- No
- Cash-out fee model
- variable
