Is FairSplitter free to use?

Yes, FairSplitter is completely free. All features — expense splitting, group management, multi-currency tracking, and settlement recording — are included at no cost with no subscription required.

Do my friends need to install FairSplitter to split expenses?

No. You can add anyone by name and phone number without them needing the app — useful for splitting with people who aren't tech-savvy. If your friend does have FairSplitter, you can also link to their account by email or phone so you both see the shared balance.

How do I split a bill unevenly between friends?

Tap Add Expense, enter the total amount, then choose a split method: Equal splits it evenly, Percentage lets you assign a share to each person (e.g., 60%/40%), and Custom lets you type each person's exact amount. FairSplitter automatically calculates who owes what.

How do I settle up with friends?

FairSplitter shows your net balance with each person — who owes whom and the exact amount. When a payment happens (cash, bank transfer, UPI, PayPal, Venmo, or any method), you record it in the app to mark the debt settled. FairSplitter tracks the record; the actual money transfer happens through whichever payment method you prefer.

Can I use FairSplitter for international trips with multiple currencies?

Yes. FairSplitter supports multiple currencies with automatic conversion, so you can add expenses in local currency (euros, yen, pesos, etc.) and see balances converted to your home currency. This makes it straightforward to settle up after an international trip.

Can I use FairSplitter offline?

Yes. You can add and view expenses without an internet connection. Any changes made offline sync automatically when you reconnect.

What's the difference between a friend and a group in FairSplitter?

A friend is a one-on-one connection for tracking expenses between two people. A group lets you add multiple people under one name (e.g., 'Bali Trip 2025' or 'Apartment 4B') so all shared expenses for that context stay organized together. You can have both: individual balances with each friend, and separate group balances.

Can I edit or delete an expense after adding it?

Yes, you can edit or delete any expense at any time. Every change is logged in the activity history so all group members can see what was updated and when.

How do I add a friend in FairSplitter?

You can add a friend by email address, phone number, or just their name. If they have a FairSplitter account, linking by email or phone connects your balances so you both see the same figures. If they don't have the app, adding them by name still lets you track what they owe you locally.

Yes. All data is encrypted in transit and at rest. We do not sell or share your personal information with third parties.

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SplitwiseAlternativesExpense AppsComparison

Best Splitwise Alternatives in 2026: Free Apps to Split Expenses

Looking for a Splitwise alternative in 2026? Compare the best free expense splitting apps with features like multi-currency, flexible splits, and no subscriptions.

FairSplitter Team·April 4, 2026·7 min read

Comparing expense splitting apps on mobile devices

Splitwise has been the default expense splitting app for years. But in 2026, there are real reasons to look elsewhere: paywalled features, dated design, and aggressive settle-up reminders have pushed users toward alternatives that do more — for free.

If you're here, you're probably already feeling the friction. This guide compares the best Splitwise alternatives available in 2026, with an honest look at what each app does well and where it falls short.

Why People Are Leaving Splitwise in 2026

Before diving into alternatives, here's what users consistently cite:

Daily expense limits on the free tier — you can only add 3-5 expenses per day without Pro
Currency conversion requires Pro (~$3/month) — a dealbreaker for international trips
Expense search is paywalled — you can't search your own data without paying
Ads between screens on the free tier, plus cooldown timers before adding expenses
Aggressive settle-up reminders that create social pressure
Interface hasn't evolved — still feels like a 2015 app
Everyone needs an account — can't add friends who don't want to sign up

These aren't minor gripes. For travelers, roommates, and couples who use expense splitting daily, they add up.

The Best Splitwise Alternatives in 2026

1. FairSplitter — Best Overall Alternative

Available on: iOS and Android Price: Free (all features, no premium tier)

FairSplitter is built specifically for the problems Splitwise users complain about. Every feature is free, multi-currency conversion uses the actual exchange rate from the day you spent, and your friends don't need the app.

What stands out:

Multi-currency at actual rates — Splitwise converts at today's rate. FairSplitter uses the rate from the day of the expense. On a two-week trip across currencies, this makes a real difference.
Flexible splitting per expense — Equal, percentage, exact amounts, or custom shares. Every expense can be split differently.
No premium tier — Currency conversion, expense search, offline mode, export — all included.
Import from Splitwise — Upload your Splitwise CSV and FairSplitter maps categories and currencies automatically.
No account required for friends — Add people by name. They don't need to install or sign up.
No settle-up nagging — See your balances, settle when it makes sense.

Where it's weaker:

Newer app, so the user community is smaller
No web app (mobile-only)

Best for: Anyone who wants a modern, fully-free Splitwise replacement with accurate multi-currency support.

2. Tricount — Best for Simplicity

Available on: iOS, Android, Web Price: Free (no ads, no premium tier — acquired by bunq)

Tricount keeps things minimal. Create a group, add expenses, see who owes whom. There's no account required — share a group via a link and anyone can add expenses.

What stands out:

No sign-up needed — groups work via shared links
Clean, simple interface
Completely free and ad-free
Offline support
Available on web
Import from Splitwise (CSV)
Multi-currency support

Where it's weaker:

No expense search
Splitting options are simpler (equal, by parts, custom amounts — no percentage-based splits)
Less feature depth than FairSplitter or Splitwise

Best for: One-off trips where simplicity matters more than features.

3. Settle Up — Best for Android Users Who Want Simplicity

Available on: iOS, Android, Windows, Web Price: Free with ads; Premium available (per-user or per-group)

Settle Up offers multiple split methods and multi-currency support. It's been around for years and has a loyal Android user base.

What stands out:

Multiple split methods (equal, unequal, percentage)
Multi-currency support
Offline mode with sync
Web access

Where it's weaker:

Ads in the free version
Interface is functional but dated
No import from other apps
Smaller feature set than FairSplitter or Splitwise

Best for: Android users who want something straightforward.

4. Spendshare — Best for Couples

Available on: iOS Price: Free

Spendshare is designed around two-person expense tracking. If you're a couple splitting rent, groceries, and dinners, it's focused on your exact use case.

What stands out:

Purpose-built for couples
Clean, minimal interface
Running balance between two people

Where it's weaker:

Limited to two-person splits
No group support
iOS only
Limited currency support

Best for: Couples who don't need group features.

5. Sheets / Spreadsheets — Best for Full Control

Available on: Everywhere Price: Free

Some people just want a spreadsheet. Google Sheets or Excel with a shared template gives you total control over formulas, categories, and formatting.

What stands out:

Complete customization
Everyone can access it
No app to install
You own the data entirely

Where it's weaker:

Manual data entry
No automatic splitting calculations (unless you build formulas)
No mobile-optimized experience
Easy to make errors
No notifications or reminders

Best for: Small groups who are spreadsheet-comfortable and want full control.

Feature Comparison Table

Feature	FairSplitter	Splitwise	Tricount	Settle Up
Price	Free	Free (limited) + ~$3/mo Pro	Free	Free + Premium
Multi-currency	Yes (actual rates)	Pro only	Yes	Yes
Flexible splits	Equal, %, custom	Equal, %, custom	Equal, parts, custom	Equal, %, custom
Offline mode	Yes	Limited	Yes	Yes
Expense search	Yes	Pro only	No	No
Friends need app?	No	Yes	No	No
Import from Splitwise	Yes (CSV)	N/A	Yes (CSV)	No
Settle-up reminders	No	Yes (aggressive)	No	Optional
Web app	No	Yes	Yes	Yes
Ads	No	Yes (free tier)	No	Yes (free tier)
Daily expense limit	No	Yes (3-5/day free)	No	No

How to Choose

Choose FairSplitter if you want every Splitwise feature for free, accurate multi-currency, and the ability to import your Splitwise history.

Choose Tricount if you want a completely free, ad-free app with no-signup simplicity for one-off trips.

Choose Settle Up if you're on Android and want a simple, established app.

Stay with Splitwise if you rely on the web app, have years of history you don't want to migrate, or your entire group is already on it and happy.

Switching from Splitwise

If you're ready to switch, FairSplitter makes it straightforward:

Export your Splitwise data — Log in at splitwise.com, go to Account Settings, and click "Export all expenses"
Download FairSplitter — Available free on iOS and Android
Import your CSV — Go to Settings > Import from Splitwise, select your file, and confirm
Start splitting — Your history is imported. Create new groups and start logging expenses

The whole process takes under five minutes.

The Bottom Line

Splitwise pioneered expense splitting, but in 2026 you shouldn't have to pay $3.99/month to search your own expenses or convert currencies. FairSplitter gives you everything Splitwise Pro offers — for free — plus accurate multi-currency conversion and a modern interface.

Download FairSplitter free on iOS and Android.

Have questions? Reach out at support@fairsplitter.com.

Ready to split expenses easily?

FairSplitter is available on iOS & Android.

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