Splid vs Splitwise: Which Is Better in 2026?
Splitwise free caps you at 4 expenses a day; Splid has no cap we could find and converts 150+ currencies. Prices, offline use and exports compared.
Splitwise is the app most groups start with. Splid is the one that comes up when a trip needs something lighter: no account, works offline, converts currencies, and a PDF summary at the end. If you’re weighing the two, you’re probably asking whether Splid’s free version has the catches Splitwise’s does. Spliteo is a third option, and it’s ours.
Full disclosure: this is the Spliteo blog, so we’re not neutral. What we can do is compare only facts you can check, link the source for each one, and say plainly where Spliteo falls short. Everything about Splitwise and Splid below was checked on their own sites, help centers and store listings on October 7, 2026. Apps change, so follow the links if you’re reading this much later.
Splitwise vs Splid vs Spliteo at a glance
| Splitwise | Splid | Spliteo | |
|---|---|---|---|
| Free plan limit on expenses | Up to 4 a day | None that we could find | No daily or monthly cap |
| Paid plan | Splitwise Pro; prices aren’t on its website, store prices vary by country | In-app purchases: Splid Plus US$3.99 and “2 Groups” US$2.99 in the US App Store | Premium, from US$1.99/month on the web; app stores localize |
| Ads | Pro is sold as “no ads”; free users see Pro upsell screens | Neither store listing carries an ads label | None |
| Currencies | 100+; balances stay separate per currency; conversion is Pro | 150+; automatic conversion included | 107; balances stay separate per currency; no automatic rates |
| Adding expenses offline | Yes (“offline entry”) | Yes; offline groups, with optional sync | No; offline you can only view cached data |
| Recurring expenses | Yes | Not in its feature lists | Yes; 1 active on Free, unlimited on Premium |
| People without an account | Placeholder friends, added by name from the web app | Nobody needs an account; groups are shared without signing up | Guest members, added by name |
| Settling up | Simplify Debts cuts the number of payments | “As few payments as possible” | A short list of who pays whom, per currency |
| Receipt scanning | Pro | Not in its feature lists | 3 scans a month on Free, 20 on Premium |
| Export | Spreadsheet export is free; JSON backup is Pro | PDF summaries; Excel export is an in-app purchase | CSV (30 days on Free, 365 on Premium); PDF on Premium |
| Platforms | iOS, Android and web | iOS and Android; no web app that we could find | Web, iOS and Android |
| Import from Splitwise | — | Not in its feature lists | No |
| AI assistants (MCP) | No official MCP server that we could find; community servers exist | No official MCP server or public API that we could find; one community server | Official MCP server, on Premium |
The sources for each row are linked in the sections below.
Splitwise
Splitwise is made by Splitwise, Inc. and runs on iOS, Android and the web. Its feature list is the longest of the three: several payers on one expense, splits by percentages, shares or exact amounts, recurring bills, comments, an activity feed, and integrated payments through Venmo and PayPal in the US and Paytm in India (App Store listing). You can add expenses offline, and Simplify Debts restructures who owes whom to cut the number of payments. To include someone who has no account, you can add a placeholder friend by name only from the web app.
The free plan’s limit. Splitwise’s help center says free users can add up to 4 expenses each day, and that Pro removes the limit. That’s enough for rent and a weekly grocery run, and tight on a trip, where a normal day can easily have six expenses. Splitwise sells Pro as “No limits and no ads”. We go through every limit of the free plan in Splitwise free limits.
Currencies. Splitwise supports 100+ currencies and keeps the balances in each currency separate by default. Converting everything to one currency at the current exchange rate is a Pro feature.
Export. Exporting a group or friendship as a spreadsheet is free; a JSON backup of your account is Pro (help center).
Splitwise Pro. Pro adds unlimited expenses, currency conversion, receipt scanning and itemization, charts, search, default splits, no ads and, in some countries, transaction import from your card (Pro page, help center). The help center lists three plans: Individual + Trip Pass (annual), Duo + Trip Pass (annual, for two people) and Monthly. The yearly plans include a Trip Pass that gives Pro to one trip group for 30 days. Splitwise doesn’t publish prices on its website. Its App Store listing shows Pro purchases from US$2.99 to US$39.99 in the US store and up to US$59.99 in the Argentine store, which prices in dollars. Our Splitwise Pro price guide goes through what it costs by country.
AI assistants. We found no official Splitwise MCP server. Splitwise has a public API, and unofficial, community-built Splitwise MCP servers exist on GitHub. Check who runs a hosted one before you give it access to your account.
Good fit if your group is already on Splitwise, you rarely add more than a few expenses a day, or you want recurring bills, offline entry and a web app in one place.
Splid
Splid is made by independent developer Nicolas Jersch (App Store) and runs on iOS and Android. Its pitch is simplicity: enter the expenses and Splid shows who owes how much to whom.
What you get. No sign-up: you create a group on your phone and, if you want others to add expenses too, you turn on sync and share the group (splid.app). Groups work offline. Splid handles more than 150 currencies and converts amounts automatically, takes several payers on one expense and unequal splits, settles up with as few payments as possible, shows the group’s total spending, and exports a summary as PDF or Excel (App Store description, Google Play). The App Store lists it in English, French, German, Italian and Spanish.
Free and paid. The website says “Splid is free!”, and we found no limit on the number of expenses. There are in-app purchases, though. The US App Store listing shows two: Splid Plus at US$3.99 and “2 Groups” at US$2.99, and the description says Excel export “is available via in-app purchase”. Beyond that, neither the listing nor the website explains what Splid Plus unlocks or what the “2 Groups” purchase is for, so we can’t tell you whether the free version caps the number of synced groups. Google Play marks the app as having in-app purchases without listing them.
Ads. Neither listing carries the stores’ advertising labels: Google Play doesn’t show its “Contains ads” label on Splid, and the App Store page has no “Contains Advertising” note, unlike Settle Up’s or Splitwise’s upsells.
What’s missing. Splid’s site and listings describe a phone app only; we found no web app for adding expenses from a computer. Recurring expenses, receipt scanning and an import from Splitwise aren’t in its feature lists, and we found no public API.
How many people use it. Google Play shows more than 1 million downloads and a 4.9-star rating from about 87,000 reviews (listing).
AI assistants. We found no official Splid MCP server. The one community project we found, mxxfun/splid_mcp, describes itself as built on a reverse-engineered client and works from a group’s invite code; it’s unofficial, so treat it with the usual care.
Good fit if you want the simplest possible app for a trip: no accounts, offline, currencies converted for you, and a PDF for everyone at the end.
Spliteo: a Splitwise and Splid alternative
Spliteo is an expense-splitting app for the web, iOS and Android, built by a solo developer in Uruguay. It’s much newer and much smaller than the other two, so it doesn’t have their track record.
The free plan has no daily or monthly cap on expenses. It includes up to 6 groups (created and joined count together), 3 receipt scans a month, 1 budget, 1 savings goal and 1 active recurring expense, and CSV export of the last 30 days. Splitting by Evenly, Amount or Parts, several payers on one expense, guest members and settlement suggestions are all free. There are no ads.
Premium costs US$1.99 a month, US$19.99 a year or US$59.99 once for lifetime access on the web. In the App Store and Google Play, the stores set their own local prices, so they can differ. It adds unlimited groups, budgets, goals and recurring expenses, 20 receipt scans a month, PDF exports, CSV exports of up to 365 days, analytics charts and the AI assistant connector.
Currencies. Spliteo supports 107 currencies and keeps one balance per currency, the way Splitwise does by default. There’s no live exchange rate: if you settle a debt in another currency, you type the rate or the amount you paid. Splid converts for you.
AI assistants. Spliteo has an official MCP server, so you can add expenses and check balances from Claude, ChatGPT or another MCP client. It needs Premium. Here’s how it works.
Where it falls short. Be aware of these before you switch:
- Offline is read-only. Without a connection you can see cached balances, but you can’t add expenses until you’re back online. Splitwise and Splid both let you add expenses offline.
- Everyone has an account. Spliteo has guest members, added by name, but the people who add expenses themselves sign up. Splid never asks anyone to.
- No import. Spliteo can’t import groups from Splitwise or Splid.
- Free has limits of its own. 6 groups and 1 active recurring expense may be too few if you split with many different groups or have several fixed bills.
- Two languages. The app is in English and Spanish only.
Good fit if you keep hitting Splitwise’s daily limit, want recurring bills and a web app, or want to use an AI assistant.
Which one should you pick?
- Everyone in the group already uses Splitwise and you add a few expenses a day at most: stay with Splitwise. Switching costs everyone some effort.
- A trip with people who won’t install or sign up for anything: Splid, which needs no account at all, or Spliteo’s web app plus guest members for the holdouts.
- A trip with lots of small expenses: you need an app without a daily cap. Splid and Spliteo both qualify; Splid also works offline.
- Roommates or a couple with fixed monthly bills: recurring expenses matter. Splitwise has them, Spliteo has 1 on Free and unlimited on Premium, and Splid doesn’t list them.
- Several currencies on one trip: all three keep track of them. If you want automatic conversion, Splid includes it and Splitwise has it in Pro; Spliteo keeps each balance in its own currency and has no automatic conversion.
- You want to use an AI assistant: Spliteo has an official MCP server (Premium); we found none for Splitwise or Splid.
- A one-off split, like a single dinner: you may not need an app at all. Our free split expenses calculator works in the browser with no account.
How to switch
Neither Splid nor Spliteo imports your Splitwise history, so the move is the same for both: settle up (or write down the open balances), create the new group, add the people, and enter one starting expense per open debt. Our Splitwise alternative guide walks through each step for Spliteo. If the price of Pro is what’s making you look, the Splitwise Pro price guide has the details, and if Tricount is on your list too, see Splitwise vs Tricount vs Spliteo.
