Splitwise alternatives for travel: 5 apps to split trip costs

Splitwise is the app many people think of first when a group needs to share costs. It does the job in depth, and it was not built only for trips. That is also why some travellers look for something different when the thing they are sharing is a holiday.

Everything below comes from each product's own website or store listing, as of November 2026, and we have left out what we could not confirm. We make Travel Life, which is one of the options, so read our view of it as the view of the maker. Plans and limits change, so check the current page before you invite a group.

Why people look for a Splitwise alternative

Splitwise's site says it tracks shared expenses and balances for housemates, trips, groups, friends and family. It lists equal and unequal splits, splits by percentage or shares, simplified debts, recurring expenses, offline mode, cloud sync and over a hundred currencies. It is free on iPhone, Android and the web, with a Pro plan. The site ties receipt scanning, charts and currency conversion to Pro.

Given that, the reasons to look elsewhere are modest:

• The trip is more than money. Splitwise tracks expenses and balances. If you also need an itinerary, bookings and a packing list, you end up with a second app.
• Currency conversion matters. The site names currency conversion as a Pro extra, so a trip across several currencies makes people check what the free version does.
• Someone will not install anything. In some groups there is always one person who will not.
• A simpler tool. Features built for a household, such as recurring expenses, are not what a week away needs.

For the direct comparison, read Travel Life vs Splitwise.

Travel Life

Travel Life is a trip planner for iPhone and Android with expenses built in. It is the one we make.

Does better than Splitwise at: keeping the cost next to the thing it paid for. Stays, reservations and transit are saved with their confirmations and costs, so the big bookings are already in the total. Expenses can be in any currency at the day's rate, split evenly, by share or by exact amounts, and settled with the fewest payments. Around the money are a shared itinerary, packing lists and to-dos. The trip works offline. Pro adds receipt scanning, itemised splits, budgets and insights.

Who should switch: groups already planning a trip together who would rather not run two apps.

Who should not: anyone who needs the splitting to outlast the trip, for a flat or a regular group of friends. Travel Life's splitting belongs to a trip. It also has no web version.

Tricount

Does better than Splitwise at: being free without a tier to read.

As of November 2026, Tricount's site says the app is free with no ads and no limits. It describes groups for a trip, dinner or household, where each expense records who is included and who paid. It lists payment requests that show who has paid and who needs a reminder, a view of your own spending and the group's total, currency conversion as included, and offline use as available. It runs on iOS and Android and can import a Splitwise group. There is an optional bunq Card that adds shared expenses automatically; its terms are on bunq's site.

Who should switch: friends who want a quick shared tab and like having reminders built in.

Worth knowing: its site mentions only iOS and Android.

Settle Up

Does better than Splitwise at: letting people without the app see what they owe.

Settle Up's App Store listing describes an app for tracking shared group expenses. As of November 2026, it lists even splits, weighted shares and several people paying for one item, and says it calculates the fewest transfers to settle. It supports all currencies with real-time exchange rates and works without a connection, syncing when you are back online. You can invite friends with a link or QR code, and people who do not use the app can view balances in a browser through a shared link. The listing says it is free with in-app purchases and contains advertising.

Who should switch: groups with a reluctant member.

Worth knowing: the listing puts features such as receipt photos and Excel export behind Premium.

Splid

Does better than Splitwise at: starting at once.

Splid's App Store listing says the app works on and offline, that you can create an offline group or turn on sync, and that no sign-up is required. As of November 2026, it describes more than 150 currencies, automatic conversion so you can settle in a different currency from the original bill, unequal splits, and an aim of minimising the number of payments. You can download summaries as PDF; Excel export needs an in-app purchase. It is a free iPhone app with in-app purchases.

Who should switch: a group that wants no accounts and no setup.

Worth knowing: the listing we read is for iPhone, so check the Android store page for a mixed group.

Stippl

Does better than Splitwise at: putting a budget tracker inside a planner.

As of November 2026, Stippl's site describes a free AI travel planner that builds a day-by-day itinerary from a description, with a budget tracker for tracking expenses and splitting costs with your group. It also lists a packing list, documents and a journal, and it has a web app and iPhone and Android apps. The site links to a Pro page without saying what it includes.

Who should switch: people who want a planner first and a simple way to share costs second.

What to check before you choose

Splitting apps look alike until a trip tests them, so run through a few questions with the real group in mind.

First, currencies. If you will pay in more than one, find out how the app converts and whether conversion is part of the free version. Several of the pages above are specific about this and some are not. Second, who needs to install it. If everyone is willing, the choice is easy; if not, look for a way to view balances without the app. Third, whether the group needs more than money. If someone is also keeping the plan in a chat and the packing in a note, a planner with expenses built in removes one of the three places.

Finally, think about afterwards. A trip tab ends when the trip does, but a household or a standing group of friends does not. Pick the tool that matches how long you expect the arrangement to last.

How to decide

• Plan and money together: Travel Life or Stippl.
• A quick shared tab: Tricount.
• A friend who will not install anything: Settle Up.
• No sign-up at all: Splid.
• A long-running tab with housemates: stay with Splitwise.

Whichever you pick, agree the rules before anyone pays: who fronts the big costs, whether everything is split evenly, and that anyone who skips a dinner is left off it. Log expenses as they happen. Our guide to settling up after a group trip goes through it, and the best apps to split travel expenses compares the dedicated splitters in more depth.