Splitwise
Splitwise: A strong expense-splitting app with settlement options, but not a full payment-transfer service. Ranked #21 of 24 in Peer-to-Peer Payment Apps by our editors (6.9/10); pricing: Free plan; best for tracking shared expenses before settlement.
At a glance
- Editor score6.9 / 10
- PricingFree plan
- Best forTracking shared expenses before settlement
- Free planYes
- Split paymentsYes
- Founded2011 · Providence, Rhode Island, USA
- Facts checked20 Sep 2026
Where it wins
- Supports equal, unequal, percentage, and share-based splits
- Simplifies debts and tracks balances across groups
- Offers receipt scanning, currencies, charts, search, and recurring expenses
Where it doesn't
- Splitwise Pay is limited to eligible U.S. residents and requires approval
- It focuses on expense tracking rather than direct payment transfers
- Cash-out fees are variable
Our verdict on Splitwise
Splitwise helps friends, families, roommates, and travel groups record shared expenses, divide bills, track informal debts, and settle balances. It supports equal, unequal, percentage, and share-based splits, while debt simplification can show how group members can reduce the number of repayments. The service is available through the web, iPhone, Android, and API, making it suitable for groups that want a shared record before paying one another.
Its strongest area is expense-management depth. Users can add recurring expenses, scan and itemize receipts, convert currencies, search expenses, and review charts and spending analysis. These features give frequent travelers, households, and ongoing groups more structure than a simple payment-request app. Splitwise also connects with Splitwise Pay, Pay by Bank, Venmo, and PayPal for payment or settlement workflows.
The product remains narrower than a general-purpose payment app. Splitwise Pay is available only to eligible U.S. residents and access is subject to approval, while international transfers are not supported. The published plans include a free option and paid structures named Individual + Trip Pass, Duo + Trip Pass, and Monthly subscription; paid features include Splitwise Pro capabilities, with Duo usable by two people and Trip Pass included where specified. Choose Splitwise if the main problem is organizing shared costs and simplifying who owes whom. Choose another service if direct transfers, international payments, or broader cash-out access are the primary requirement.
Your product? Our editors can test Splitwise in depth and publish a review, labelled as paid · from $149/mo →
Splitwise pricing
All 3 Splitwise plans and prices →
Splitwise fact sheet
| Free plan | Yes |
|---|---|
| Paid from | Not verified |
| Split payments | Yes |
| Payment requests | Yes |
| Instant transfer | Not verified |
| International transfers | No |
| Daily send limit | Not verified |
| Cash-out fee model | Variable |
| Deployment | Cloud, Mobile |
| Platforms | Web, iOS, Android |
| Support | Email, Docs |
| Built for | Solo, Small business (editorial estimate) |
| Integrations | 4 integrations: Splitwise Pay, Pay by Bank, Venmo, PayPal |
| Pricing | Free plan (source) |
| Website | splitwise.com |
| Facts checked | 20 Sep 2026 |
Splitwise integrations
Splitwise lists 4 integrations on its own site.
- Splitwise Pay
- Pay by Bank
- Venmo
- PayPal
Alternatives to Splitwise
- PhonePeA free India-focused app for everyday UPI transfers, QR payments, bills, and recharges.9.4
- BHIMA free UPI app covering everyday transfers, bills, QR payments and more.9.3
- VenmoA flexible wallet for peer payments, group expenses, scheduled requests, and cash-outs.9.1
See all Splitwise alternatives →
Also Ranked In
Splitwise is ranked in 3 of our directories.
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Splitwise is listed in our Peer-to-Peer Payment Apps directory. Add the badge to your site — it links back to this page.
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Reviewed by iTechGuides Editors · Editorial team · Updated Oct 2026
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