Freedom251 › Peer-to-Peer Payment Apps
Splitwise
by Splitwise
What Splitwise is
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 suits
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 it does well
- 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.
Limits
The free plan includes unlimited expenses, shared balances, groups and friends, recurring expenses, offline mode and cloud sync. Pro transaction import is currently US-only, and Splitwise Pay supports sending payments to friends in the US.
Plans
| Plan | Billed and limits | Price |
|---|---|---|
| Individual + Trip Pass | All Splitwise Pro features · One annual Trip Pass | On request |
| Duo + Trip Pass | 2 people | On request |
| Monthly subscription | All Splitwise Pro features | On request |
| Free | Up to 4 expenses per day · core expense splitting · ads/feature limits | Free |
| Splitwise Pro annual | yearly · Unlimited expenses · transaction import · currency conversion · receipt scanning/itemization · charts · search · ad-free | $39.99 a year |
| Splitwise Pro monthly | monthly · Unlimited expenses · transaction import · currency conversion · receipt scanning/itemization · charts · search · ad-free | $4.99 a month |
| Splitwise Pro | Unlimited expenses · transaction import (US only) · currency conversion · charts and graphs · receipt scanning and itemization · expense search · default split settings · no ads | On request |
As splitwise.com lists them, read 20 Sept 2026. The maker's own page has the final word.
Getting started
- Visit the Splitwise website.
- Choose the free plan or a listed Pro plan.
- Use Splitwise on Android, iOS or the web.
- Add shared expenses and choose equal or unequal splits, including by percentage or shares.
- Record cash or online payments as needed.
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.
Questions
Is Splitwise free?
Yes. The Free plan costs nothing and includes unlimited expenses, shared expenses and balances, groups and friends, recurring expenses, offline mode and cloud sync.
What platforms is Splitwise available on?
Splitwise lists Android, iOS and web.
What does Splitwise Pro add?
Pro includes unlimited expenses, transaction import, currency conversion, charts and graphs, receipt scanning and itemization, expense search, default split settings and no ads. Transaction import is currently available only in the US.
Can Splitwise send payments?
Users can record cash or online payments. Splitwise Pay supports sending payments to friends in the US; international transfers are listed as unavailable.
Are Splitwise records legally binding?
No. Splitwise describes its expense, IOU, debt and payment entries as informal records that are not legally binding.
Who makes Splitwise?
The maker is Splitwise, founded in 2011 and headquartered in Providence, Rhode Island, USA.
Facts from Splitwise's own pages
- Android data safety
- Google Play states that data is encrypted in transit, no data is shared with third parties according to the developer declaration, and users can request deletion. · play.google.com, 15 Oct 2026
- API
- Splitwise provides a third-party API that other applications can use to access a user's account data with the user's authorization. · dev.splitwise.com, 30 Sept 2026
- API authentication
- Documented endpoints support OAuth and API-key authentication and expose JSON request and response examples. · dev.splitwise.com, 15 Oct 2026
- API commercial limits
- The self-serve API is intended for hobbyist or internal work, excludes fee-based commercial services, has conservative changeable limits and may require Pro. · dev.splitwise.com, 15 Oct 2026
- API licence
- API access is granted under a revocable, non-transferable, non-sublicensable limited licence with restrictions against competing applications and reverse engineering. · dev.splitwise.com, 15 Oct 2026
- Charts and budgeting
- Pro provides spending-by-category charts and trend views for budget monitoring. · secure.splitwise.com, 15 Oct 2026
- Company founding
- LinkedIn lists Splitwise Inc. as founded in 2011 and headquartered in Providence, Rhode Island. · linkedin.com, 15 Oct 2026
- Company size
- LinkedIn lists Splitwise as privately held with 11–50 employees. · linkedin.com, 15 Oct 2026
- Currencies
- The site lists support for 100+ currencies, and Pro offers currency conversion using current foreign exchange rates. · splitwise.com, 30 Sept 2026
- Currencies and languages
- The product advertises support for more than 100 currencies and at least seven languages. · splitwise.com, 15 Oct 2026
- Currency conversion
- Pro converts group bills into a chosen currency using current foreign-exchange rates. · secure.splitwise.com, 15 Oct 2026
- Debt simplification
- Splitwise calculates a reduced repayment plan intended to minimize the number of transfers between people. · splitwise.com, 15 Oct 2026
- Default splits
- Pro lets groups save default allocation rules such as fixed percentage or share ratios. · secure.splitwise.com, 15 Oct 2026
- Expense search
- Pro includes search across historical expenses for checking and editing old entries. · secure.splitwise.com, 15 Oct 2026
- Expense tracking
- Users can add expenses, debts and IOUs, then view balances and repayment obligations. · splitwise.com, 15 Oct 2026
- Founded
- 2011 · splitwise.com, 28 Sept 2026
- Free plan
- Yes · secure.splitwise.com, 20 Sept 2026
- Funding news
- A company press release dated April 28, 2021 announced a $20 million Series A led by Insight Partners. · prnewswire.com, 15 Oct 2026
- Group organization
- The service supports separate groups or friendships for trips, households, families and other shared-cost situations. · splitwise.com, 15 Oct 2026
- Headquarters
- Providence, Rhode Island, USA · splitwise.com, 28 Sept 2026
- Integrations
- Pro transaction import connects a credit or debit card to show recent purchases for splitting, and the site says this feature is currently available only in the US. · splitwise.com, 30 Sept 2026
- Limit: free-tier caps
- Google Play and Trustpilot reviewers repeatedly complain that free accounts are limited to only a few expenses or actions per day, sometimes with wait screens. · play.google.com, 15 Oct 2026
- Limit: missing iPad workflows
- An App Store reviewer reports no iPad split-screen support and inability to itemize a receipt from an existing photo. · apps.apple.com, 15 Oct 2026
- Limit: payment support
- An App Store reviewer reports that payment options such as Zelle are unavailable and that bank connections are unsatisfactory. · apps.apple.com, 15 Oct 2026
Where Splitwise stands on Freedom251
- Peer-to-Peer Payment Apps#8 of 24
- Personal Finance Software#89 of 181