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SplitSimple vs Splitwise
SplitSimple gives you everything free with no daily expense limit, while Splitwise's free plan limits new expenses per day and keeps item splits, currency conversion and charts for Pro. Splitwise is the more established app, with native iPhone and Android apps and payment integrations.
Updated November 2026
The short version
Pick SplitSimple if you want every feature free, with no daily cap on expenses, item-by-item splits, currency conversion, group chat and UPI payment links for rupee groups.
Pick Splitwise if your friends already use it, you want a native iPhone app today, or you rely on its payment integrations (Venmo and PayPal in the US, Paytm in India) or US card transaction import.
Feature comparison
| SplitSimple | Splitwise free | Splitwise Pro | |
|---|---|---|---|
| Price | Free | Free | Paid subscription |
| Limit on new expenses per day | None | Yes | None |
| Number of groups | Unlimited | Not listed | Not listed |
| Split equally, by %, exact amounts | Yes | Yes | Yes |
| Split by shares | No | Yes | Yes |
| Split item by item | Yes | No | Yes |
| Simplify debts | Yes | Yes | Yes |
| Currency conversion | Yes | No | Yes |
| Comments on expenses | Yes | Yes | Yes |
| Group chat | Yes | No | No |
| Report and block in chat | Yes | No | No |
| Recurring expenses | Yes | Yes | Yes |
| Charts and spending insights | Yes | No | Yes |
| Receipt scanning | No | No | Yes |
| CSV export | Yes | Yes | Yes |
| Import a Splitwise CSV | Yes | n/a | n/a |
| Ads | None | Yes | None |
| Payment links | UPI (rupee groups) | Venmo, PayPal (US), Paytm (India) | Same as free |
| Card transaction import | No | No | US only |
| Platforms | Web, Android; iPhone coming soon | iPhone, Android, web | iPhone, Android, web |
| App languages | English + 8 Indian languages | Not listed | Not listed |
Splitwise columns come from Splitwise's Pro page, home page and US App Store listing. "No" in a Splitwise column means the feature is listed as Pro only, or we could not find it in those sources.
Where Splitwise is stronger
Splitwise has been the default choice for a long time, and that maturity shows. It has native apps on iPhone and Android plus a full web version, so nobody in your group is left out. Its App Store listing describes offline expense entry, multiple payers on one expense, splitting by shares, an edit history, and the ability to restore deleted groups and bills.
Payments are the other big one. Splitwise lists integrated payments with Venmo and PayPal in the US and Paytm in India. Pro adds receipt scanning, card transaction import (US only), expense search and default split settings per group. If you already pay for Pro and use those, Splitwise is a reasonable place to stay.
And if your whole friend group already lives in Splitwise, the easiest app is the one everyone has.
Where SplitSimple is stronger
No daily cap. Splitwise's Pro page lists "Unlimited expenses: Add as many expenses as you like each day, with no interruptions" as a paid benefit, so free accounts have a daily limit. SplitSimple has no limit on expenses or groups.
The extras are free. Splitting by item, converting currencies and spending insights are free in SplitSimple. In Splitwise, itemization, currency conversion and charts are on the Pro list.
A place to talk. Every SplitSimple group has a chat, and each expense has its own comment thread, so the "who had the extra drink" conversation stays next to the bill. You can report messages and block people.
Built for rupee groups. In a rupee group, SplitSimple can open GPay, PhonePe, Paytm or another UPI app with the amount already filled in. The app is also available in Hindi, Bengali, Marathi, Tamil, Telugu, Gujarati, Kannada and Malayalam. More on that on our India page.
No ads. SplitSimple has no ads on any plan.
What SplitSimple does not do (yet)
To be fair about the gaps: SplitSimple has no native iPhone app yet (it is coming soon; until then the web app works in Safari), no receipt scanning, no split-by-shares option, and no card transaction import. Everyone in a group signs in with Google or email, so friends cannot add expenses anonymously from a link. If any of those matter most to you, Splitwise or one of the other alternatives may suit you better.
Pricing
SplitSimple is free and every feature on this page is included. Splitwise's apps are free to download, and Splitwise Pro is a paid subscription. Splitwise's Pro page does not list a price; the US App Store shows Pro in-app purchases from $2.99 to $39.99, and prices vary by plan and country. Check the price in your own app store before you subscribe.
Switching from Splitwise
Create a group in SplitSimple and invite everyone with the link or code. Then either import the group's Splitwise CSV export (open the group, choose Import, and check the preview), or add one "Opening balance" expense per person who owes money, using an Exact split. The full steps are on our Splitwise alternative page.
Frequently asked questions
Is SplitSimple better than Splitwise?
It depends on what you need. SplitSimple is free with no daily expense limit and includes item splits, currency conversion and group chat. Splitwise is more established, has a native iPhone app, and offers payment integrations and receipt scanning with Pro.
Is SplitSimple free like Splitwise?
SplitSimple is free with no limit on expenses or groups and no ads. Splitwise is free to use with a daily limit on new expenses; Splitwise Pro removes the limit and the ads.
Can I use SplitSimple and Splitwise at the same time?
Yes, but each group should live in one app so balances stay correct. Many people finish an existing trip in Splitwise and start new groups in SplitSimple.
Does SplitSimple simplify debts like Splitwise?
Yes. SplitSimple works out a short list of payments that clears every balance in the group, so people make as few transfers as possible.
Will my friends need to download SplitSimple?
No download is needed. SplitSimple works in any browser and can be added to the home screen. Friends do need to sign in with Google or email to join a group.
Track it with your group
SplitSimple is free: add expenses, see who owes whom, and settle up with the fewest payments.
Start a group, freeRelated
Sources (checked Nov 2026)
- Splitwise Pro page
- Splitwise home page
- Splitwise on the App Store (US)
- SplitSimple features: checked against the SplitSimple app itself, November 2026.
Competitor apps change their plans and prices. If you spot something out of date, tell us through the support page and we will fix it.