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Head-to-head · Bill Splitting Apps

Splitwise vs SplitMyExpenses

  • Updated Oct 2026
  • Both researched from official sources
  • 3 checks side by side
Higher score Splitwise #1 in Bill Splitting Apps 8.8/10 Free plan Free plan✓ 0 of 2 features Visit Splitwise
SplitMyExpenses #3 in Bill Splitting Apps 7.9/10 Free plan Free plan✓ 2 of 2 features See SplitMyExpenses

Splitwise leads on 0 checks, SplitMyExpenses on 0, and 3 are even. Who comes out ahead on the 3 yes/no, price and count checks where we have data for both products. The editor score weighs everything else too.

Our verdict

  • Highest scoreSplitwise · 8.8/10
  • Free planboth
  • Most featuresSplitMyExpenses · 2 of 2

Splitwise scores higher on our rubric for bill splitting apps: 8.8 against 7.9 out of 10; our editors rank them #1 and #3.

Splitwise is the better fit for established all-purpose group expense splitting. SplitMyExpenses is the better fit for power users needing imports and settlement links.

  • Splitwise fits best

    Established all-purpose group expense splitting

  • SplitMyExpenses fits best

    Power users needing imports and settlement links

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Side by side

Feature Splitwise 8.8/10 Visit ↗ SplitMyExpenses 7.9/10 Visit ↗
At a glance
Editor score 8.8 7.9
Ranking #1 in Bill Splitting Apps #3 in Bill Splitting Apps
Best for Established all-purpose group expense splitting Power users needing imports and settlement links
Pricing model Free plan + paid Free plan + paid
Starting price — $3.99/mo
Free plan ✓ ✓
Free trial — —
Deployment Cloud, Mobile Cloud, Mobile
Platforms Web, iOS, Android Web, iOS, Android, macOS
Support Email, Docs Email, Docs
Integrations 4 integrations 6 integrations
Built for Solo, Small business Solo, Small business
Features Splitwise 0/2 · SplitMyExpenses 2/2
Multiple currencies Not checked yet ✓ (best)
Recurring expenses Not checked yet ✓ (best)
Specs
Max group members Not checked yet Not checked yet
Expense entry methods Not checked yet Manual + receipt
Settlement methods Not checked yet Venmo, PayPal, Cash App, Zelle, cash, UPI
Supported platforms Not checked yet web, iOS, Android, macOS
Our review
Pros
  • Supports equal, unequal, percentage, and share-based splits
  • Tracks recurring expenses, receipts, currencies, balances, and spending charts
  • Runs on web, iOS, Android, and API with several payment integrations
  • Supports equal, amount, percentage, shares, adjustment, and itemized splits
  • Imports bank, card, CSV, Excel, and TXT expenses
  • Links settlements through Venmo, PayPal, Cash App, Zelle, UPI, and cash
Cons
  • Does not support international transfers
  • Splitwise Pay is limited to eligible U.S. residents and requires approval
  • Pro pricing varies by country, taxes, promotions, and subscription date
  • Receipt scanning and item splitting require the Premium plan
  • Free imports cover expenses only up to one month old
  • Support is limited to email and documentation
Our verdict

Splitwise is an expense-sharing app for friends, families, roommates, and travel groups. It records shared expenses, calculates balances, handles equal or uneven splits, tracks informal debts, simplifies repayments, and supports settlement…

Read the review →

SplitMyExpenses is a bill-splitting app for friends, couples, roommates, and travel groups. It lets members create groups, record shared expenses, select among equal, amount, percentage, shares, adjustment, or itemized splits, and track…

Read the review →
  1. SplitwiseBill Splitting Apps 8.8Free plan
  2. SplitMyExpensesBill Splitting Apps 7.9Free plan

Strengths and trade-offs

  • Splitwise — where it wins

    • Supports equal, unequal, percentage, and share-based splits
    • Tracks recurring expenses, receipts, currencies, balances, and spending charts
    • Runs on web, iOS, Android, and API with several payment integrations

    Where it doesn't

    • Does not support international transfers
    • Splitwise Pay is limited to eligible U.S. residents and requires approval
    • Pro pricing varies by country, taxes, promotions, and subscription date

  • SplitMyExpenses — where it wins

    • Supports equal, amount, percentage, shares, adjustment, and itemized splits
    • Imports bank, card, CSV, Excel, and TXT expenses
    • Links settlements through Venmo, PayPal, Cash App, Zelle, UPI, and cash

    Where it doesn't

    • Receipt scanning and item splitting require the Premium plan
    • Free imports cover expenses only up to one month old
    • Support is limited to email and documentation
  • Splitwise8.8/10 · Free plan

    A flexible way for friends, families, roommates, and travel groups to settle shared costs.

    Visit SplitwiseFull verdict →
  • SplitMyExpenses7.9/10 · Free plan

    Cross-platform bill splitting with AI receipt itemization, imports, recurring expenses, and settlement links.

    See SplitMyExpensesFull verdict →

More comparisons

All bill splitting apps comparisons → · Full ranking →

Reviewed by iTechGuides Editors · Editorial team · Updated Oct 2026

Last updated · How we research and update