Looking for a Splitwise alternative? What to compare
Splitwise is a dedicated app for sharing bills. If you also track your own money, Spendly keeps splits and your spending in one place — here is what to compare.
What to look for in a split app
- Groups for a trip, a flat or a dinner, with equal and unequal splits.
- The fewest payments to settle, not a long list of small debts.
- An easy way for friends to pay you — in India, a UPI link.
- Whether the app knows what is your spending and what is a friend’s share, so your own budget is right.
- Limits on the free plan.
Side by side
How each describes itself. Splitwise’s plans and limits change — check its own pricing page for today’s numbers. If something here is out of date, tell us and we fix it.
| Splitwise | Spendly | |
|---|---|---|
| What it is | A dedicated bill-splitting app | A personal-finance app with split groups built in |
| Groups and settle-up | Yes | Yes — fewest payments suggested |
| Free plan | Limits how many expenses you can add each day; Pro removes it | Splits are free, with no daily limit |
| Asking a friend to pay | Reminders in the app | WhatsApp reminder with a link that opens their UPI app |
| Your own spending | Not its job | Only your share counts as your spending; budgets, bills and reports included |
When Splitwise is still the better fit
- Your friends all use it already and you only want to split.
- You need many currencies on long trips abroad.
Try it on your last trip
Enter who paid what in the trip expense splitter — no sign-up — or read how to split trip costs fairly.
Make a group in Spendly for the trip: add each payment as it happens, see who owes whom, and send a WhatsApp reminder that opens your friend’s UPI app with the amount filled in.
Start a split group →Questions
Is there a free Splitwise alternative in India?
Yes. Spendly’s split groups are free with no daily limit, and reminders open your friend’s UPI app with the amount filled in.
Can I import my Splitwise groups into Spendly?
Not yet. Start new groups in Spendly; past balances can be added as a single expense each.
Do my friends need Spendly?
No. They receive a WhatsApp link that opens their own UPI app.
Does Spendly track my share as spending?
Yes — only your share counts, so your budget and reports show what the trip really cost you.