Splitwise has been the go-to expense splitting app for years. But many users are looking for alternatives—whether due to the interface, pricing, or just wanting something fresh. Here's a look at the best Splitwise alternatives in 2026.
Why Look for a Splitwise Alternative?
Users often switch from Splitwise because: - Cluttered interface: The design feels dated - Pro features cost money: Basic functionality now requires subscription - Performance issues: The app can be slow - Limited customization: Rigid expense categories - Privacy concerns: Data handling policies
Top Splitwise Alternatives
1. MintiMoney — Best Overall Alternative
MintiMoney is designed to be everything Splitwise should be: fast, beautiful, and truly free.
Why Switch? - Modern, intuitive design - All core features are free - Faster performance - Smart debt simplification - Offline support - Better user experience
Key Features: - Group expense tracking - Individual balances - Expense categories - Receipt attachments - Recurring expenses - Settlement reminders
Perfect For: Anyone tired of Splitwise's complexity who wants a cleaner, faster experience.
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2. Tricount
A solid choice, especially popular in Europe.
Pros: - Simple interface - Multi-currency support - Works offline - No account required for basic use
Cons: - Fewer features than MintiMoney - Less polished design - Limited group management
Perfect For: European travelers or those wanting ultra-simple splitting.
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3. Settle Up
Gets the job done with minimal fuss.
Pros: - Very simple - Offline support - Free
Cons: - Basic feature set - No advanced splitting options - Dated interface
Perfect For: Users who need only basic expense tracking.
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4. Splid
Quick splitting without accounts.
Pros: - No signup required - Fast to start - Clean design
Cons: - Data not backed up without account - Limited features - Basic reporting
Perfect For: One-time events where quick setup matters more than features.
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5. Cospender
A newer entrant with social features.
Pros: - Social expense sharing - Activity feed - Modern design
Cons: - Smaller user base - Some features in development - Regional availability
Perfect For: Users who want a social expense-sharing experience.
Feature Comparison: Splitwise vs Alternatives
| Feature | Splitwise | MintiMoney | Tricount | Settle Up |
|---|---|---|---|---|
| Price | Freemium | Free | Free | Free |
| Modern UI | ❌ | ✅ | ⚠️ | ❌ |
| Debt Simplification | ✅ | ✅ | ✅ | ✅ |
| Offline Mode | ❌ | ✅ | ✅ | ✅ |
| Recurring Expenses | ✅ Pro | ✅ Free | ❌ | ❌ |
| Speed | Slow | Fast | Medium | Fast |
| Categories | ✅ | ✅ | ⚠️ | ⚠️ |
How to Switch from Splitwise
Step 1: Export Your Splitwise Data Go to Settings > Export to get a CSV of your expense history.
Step 2: Download Your New App Install MintiMoney or your chosen alternative.
Step 3: Set Up Your Groups Create groups for your roommates, trips, etc.
Step 4: Invite Your Friends Share the app with your group members.
Step 5: Start Fresh or Import Either start fresh (recommended) or manually add outstanding balances.
Making the Right Choice
Choose MintiMoney if you want: - The best overall experience - Modern design and fast performance - Free access to all core features - A true Splitwise replacement
Choose Tricount if you want: - Multi-currency focus - Ultra-simple splitting - Popular in Europe
Choose Settle Up if you want: - Bare minimum features - Maximum simplicity
The Bottom Line
Splitwise served its purpose, but better alternatives exist. MintiMoney offers everything Splitwise does—and more—with a cleaner interface and better performance.
Ready to switch? Download MintiMoney today and experience the difference.