Best Free Splitwise Alternatives in 2025 (No Daily Limits)

For years, Splitwise was the go-to app for splitting bills with roommates, friends, and travel buddies. But since introducing daily limits on its free plan, many users are looking for alternatives that don't cap how many expenses you can log.

Whether you split rent with roommates, share travel costs with friends, or just need a way to track who owes what, these free alternatives get the job done without artificial restrictions.

Why People Are Leaving Splitwise

Splitwise's free tier now limits the number of expenses you can add per day. For casual users that's fine, but if you're on a group trip logging multiple meals, taxis, and activities, you'll hit the wall fast.

Top Free Splitwise Alternatives

1. Money Monit

Best for: Tracking shared expenses, debts, and personal budgets in one place

Money Monit handles bill splitting differently than Splitwise. Instead of focusing solely on group expenses, it gives you a full personal finance toolkit: expense tracking, budgets, savings goals, and a dedicated debt tracker where you can log who owes you and who you owe.

Key features:

• Unlimited debt and expense entries
• Track who owes you and who you owe
• Mark debts as paid with one tap
• Full expense tracker with categories and budgets
• Savings goals and financial overview
• Works in any browser (PWA - no app store needed)
• Free during early access

Pros: No daily limits, combines bill tracking with full personal finance tools, clean interface, multi-currency support

Cons: No group feature (debts are 1-to-1), no automatic settlement via payment apps

2. Tricount

Best for: Group trips and one-time shared expenses

Tricount is built specifically for group expense sharing. Create a trip or event, add participants, and log expenses as they happen. The app calculates who owes whom and suggests the simplest way to settle up.

Key features:

• Unlimited expenses and groups
• Automatic balance calculation
• Offline support
• No account required to join a group
• Multi-currency with real-time exchange rates

Pros: Completely free core features, great for travel groups, very simple to use

Cons: Not designed for ongoing roommate situations, limited personal finance features

3. Settle Up

Best for: Roommates with recurring shared bills

Settle Up handles both one-time and recurring shared expenses. It's popular with roommates who need to split rent, utilities, and groceries on an ongoing basis.

Key features:

• Unlimited groups and expenses
• Recurring expense support
• Debt simplification algorithm
• Offline mode with sync
• Export to spreadsheet

Pros: Good for ongoing shared living, clean design, free without major limitations

Cons: Smaller user base, some features require premium

4. Spliit

Best for: Privacy-focused users who want a web-based solution

Spliit is a free, open-source web app for splitting group expenses. No app to download, no account needed. Just create a group, share the link, and start adding expenses.

Key features:

• No sign-up required
• Share via link
• Open source and privacy-friendly
• Automatic balance calculation
• Works in any browser

Pros: Zero friction to start, completely free, open source

Cons: No mobile app, basic feature set, no recurring expenses

5. IHateMoney

Best for: Tech-savvy users who want full control

IHateMoney is another open-source option. It's a simple web app you can self-host or use the free hosted version. Perfect for people who care about data ownership.

Key features:

• Self-hostable
• No account needed
• Multi-language support
• Simple, focused interface
• API for integrations

Pros: Full data control, open source, no tracking

Cons: Dated interface, requires self-hosting for best experience

Comparison at a Glance

App	Daily Limits	Groups	Account Needed	Best For
Money Monit	None	1-to-1 debts	Yes	Full finance + debts
Tricount	None	Yes	No	Group trips
Settle Up	None	Yes	Optional	Roommates
Spliit	None	Yes	No	Quick sharing
IHateMoney	None	Yes	No	Self-hosters
Splitwise (free)	Yes	Yes	Yes	-

Which One Should You Pick?

• Going on a group trip? Tricount is hard to beat for quick, temporary groups
• Splitting rent with roommates? Settle Up handles recurring bills well - also see our guide to splitting bills with roommates
• Want full money management? Money Monit gives you debt tracking plus budgets, expense tracking, and savings goals in one app
• Privacy-first? Spliit or IHateMoney are open source with no sign-up

The Bottom Line

You shouldn't have to pay for the privilege of logging a shared dinner. All five alternatives above offer unlimited expense tracking without daily caps. Pick the one that matches how you split costs, whether that's group trips, roommate bills, or simply tracking who owes you money.