Splitwise Went Paid: 5 Free Alternatives in 2026
Since 2024, Splitwise has drastically cut its free tier: a maximum of 3 to 4 expense entries per day, intrusive ads, and artificial delays before you can log a new expense. Millions of users are stuck and looking for a real free alternative. Here are the 5 best options available today.
Why Splitwise became a problem
In 2024, Splitwise changed its business model by imposing severe restrictions on the free version: a 10-second delay between each expense entry, a daily cap of 3-4 expenses, and ads after every addition. The Pro version now costs $2.99/month or $29/year. For a tool millions had used for free for years, the shock was brutal. Reddit, Trustpilot, and app store reviews filled with negative feedback within weeks.
1. Beement — the best all-in-one alternative
Beement is the most complete alternative: shared expenses, date and location polls, group chat and shared calendar — all in one. Unlike Splitwise, Beement is designed for the full lifecycle of a group moment, not just the finances. 100% free, no entry limits, no intrusive ads. Built in France, available on iOS and Android.
| Feature | Splitwise (free) | Beement |
|---|---|---|
| Unlimited expenses | ✗ (3-4/day) | ✓ |
| No ads | ✗ | ✓ |
| Date polls | ✗ | ✓ |
| Group chat | ✗ | ✓ |
| 100% free | ✗ | ✓ |
2. Tricount — simple and effective
Tricount remains the most popular expense-splitting app in Europe. Its interface is clean, onboarding is immediate, and expenses are unlimited on the free tier (with discreet ads). The catch: like Splitwise, Tricount only handles expenses. No polls, no chat, no planning. A solid tool if you only need the financials.
3. Sesterce — the French ad-free alternative
Sesterce is a French expense-splitting app, completely free and ad-free. Less well-known than Tricount or Splitwise, it covers the essential features: groups, expenses, settlements. The interface is modern, but the feature set stops there — no social or planning layer.
4. Spliit — open source and free
Spliit is an open-source web-based expense sharing tool — no account required, no ads, no limits. Perfect for one-off use without creating an account. The downside: no native mobile app, no notifications, no features beyond expenses. For a quick trip fix, it works.
5. Honeydue — for couples
For couples specifically, apps like Honeydue offer shared expense tracking with bank connections. These solutions are not designed for friend groups, but remain a solid alternative in a two-person context.
Splitwise's restrictions are an opportunity to explore more complete alternatives. If you only need an expense tool, Tricount or Sesterce will do. But if you want to centralize your group moment planning — dates, expenses, communication — Beement is the most complete solution, free, and built in France.
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