SplitPal
A Splitwise Alternative With No Daily Limit and No Accounts
Hit the daily expense limit, or tired of getting everyone to sign up? Start a tab here in ten seconds. Free, no account, in any browser.
or start from a receipt
Items, tax and tip are read automatically. Then tap who had what.
Splitwise is a good app, and for some groups it is still the right one. This page says where each fits, including the things Splitwise does that SplitPal does not. The short version: if your group keeps running into the daily limit, or half of it never signed up, SplitPal removes both problems. If you depend on recurring bills, one-to-one balances with a friend or paying inside the app, stay with Splitwise.
Why people look for a Splitwise alternative
The daily limit
Splitwise's help center says free users "can add up to 4 expenses each day". On a trip that is breakfast, a taxi, lunch and a museum, and dinner has to wait until tomorrow or for someone with Pro. SplitPal has no limit on expenses, on any plan.
Everyone needs an account
To see a Splitwise group or add to it, a person has to be invited by email or phone, or log in through an invite link. In SplitPal the link is the invitation: whoever opens it sees the balances and can add what they paid. Nobody signs up, and nobody installs anything.
SplitPal vs Splitwise, side by side
| SplitPal | Splitwise | |
|---|---|---|
| Expenses per day, free | Unlimited | Up to 4 |
| Ads | None | On the free plan |
| Account needed | No, for anyone | Yes, to view or add |
| Where it runs | Web, iPhone, Android | Web, iPhone, Android |
| Uneven split | Type each person's amount, or leave people out | Exact amounts, percentages, shares, adjustments |
| Itemized split from a receipt photo | 5 scans free, then Pro | Pro |
| Simplified debts (fewest payments) | Yes | Yes, a group setting |
| Recurring expenses | No | Yes |
| Balances with one friend, outside a group | No, everything lives in a tab | Yes |
| Categories and spending charts | Free-form tags and a per-tag report | Categories free, charts Pro |
| Comments on an expense | No | Yes |
| Other currencies | Each expense can be in its own currency, converted to the tab's currency at that day's rate, free | Conversion with Pro |
| Paying each other | Shows each person's bank details, PayPal, Venmo, Revolut or UPI to pay outside the app | In-app payments in the US, pay by bank in parts of Europe, otherwise recorded by hand |
| None about group activity | Activity emails, can be turned off | |
| Export | CSV, free | Spreadsheet, free |
Splitwise details checked on 14 November 2026 against its own help center and Pro page: what Pro includes and the free limit, ways to split, joining a group. Features change; if something here is out of date, tell us and we will fix it.
Where Splitwise is the better choice
Recurring bills. Splitwise can add rent or the internet bill by itself every week or month. In SplitPal you add it each time; it takes a few seconds, but it is not automatic.
Money between two friends. Splitwise keeps a running balance with each friend across every group and outside them. SplitPal is built around tabs, so a one-off loan to a friend needs a tab of its own.
Bookkeeping detail. Percentage and share modes, a comment thread on each expense, and fixed categories with charts. SplitPal leaves these out on purpose to keep adding an expense fast. If your group uses them every week, you would miss them.
Paying inside the app. In the US, Splitwise can move the money itself. SplitPal shows who pays whom and each person's payment details, and the transfer happens in your bank or wallet app.
Years of history. If your household has three years of records in Splitwise and everyone already has it, switching has a real cost and may not be worth it.
Where SplitPal is the better choice
Trips and busy days. No daily limit means the whole day goes in as it happens, by whoever paid.
Mixed groups. The friend who refuses to install another app, a parent, someone you met on the trip: they open the link and they are in.
The restaurant bill. Photograph the receipt, tap who had what, and tax, service and tip follow each person's share. Five scans are free, so you can see whether it suits your group before paying anything.
Both kinds of splitting in one place. A single dinner and a household that runs for years are the same thing in SplitPal: a tab with a link.
What each one costs
SplitPal is free for everything except unlimited receipt scanning. Pro in the US is $1.99 a month, $14.99 a year or $39.99 once for life, and prices are adjusted by country. Splitwise does not print a price on its website; its US App Store listing shows Pro purchases between $2.99 and $39.99, and Pro is what removes the daily limit and the ads.
Moving a group over
There is no importer, and it is better to say so. The simple way: settle up in Splitwise, or write down each person's balance, then start a SplitPal tab and add one opening expense per balance. Your history stays in Splitwise, which lets you export any group as a spreadsheet. Many groups just start the next trip in SplitPal and leave the old one where it is.
Splitwise alternative FAQ
Is SplitPal a free alternative to Splitwise?
Yes. Creating tabs, adding expenses, uneven and itemized splits, settling up and exporting are free, with no daily limit on expenses and no ads. The paid part is receipt scanning: five scans are free, and unlimited scanning is SplitPal Pro.
Does SplitPal have a daily limit on expenses?
No. You can add as many expenses as you like on the free plan. Splitwise's help center says free users can add up to 4 expenses each day.
Do my friends need an account or the app?
No. You share the tab's link, and anyone who opens it in a browser can see the balances, add expenses and settle up. On Splitwise, a person has to be added by email or phone, or log in through an invite link, before they can view or add expenses.
What does Splitwise do that SplitPal does not?
Recurring expenses that repeat on a schedule, balances with one friend outside any group, a comment thread on each expense, percentage and share split modes, expense categories and in-app payments in the US. If you rely on those, Splitwise is the better fit.
Can I move my Splitwise group to SplitPal?
There is no importer. The practical way is to settle up in Splitwise, or note each person's current balance, and start a fresh SplitPal tab with one opening expense per balance. Old history stays in Splitwise, where you can export it as a spreadsheet.
Does SplitPal work on Android and on the web?
Yes. SplitPal runs in any browser at splitpal.io and has free apps for iPhone and Android. All three open the same tabs.
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Splitwise is a trademark of Splitwise, Inc. SplitPal is not affiliated with it.