Splitwise is the default answer to «which app splits expenses», and most of the questions people search for are about its pricing rather than its features. Here are the ones that come up over and over.
How the free tier is limited
- A daily cap on new expenses. Add too many in one day and the app asks you to wait or upgrade. This is the limit that most surprises people mid-trip.
- Ads. Interstitials between screens.
- Pro-only conveniences: currency conversion, receipt scanning, itemisation, search, charts. The exact list moves between versions.
The cap and the price have both changed more than once, so treat any specific number you read online — including here — as approximate and check the app.
Does the trial charge you?
Yes, unless cancelled. Billing runs through the App Store or Google Play, so cancellation happens in your store account's subscription settings. Deleting the app does nothing.
Why some debts are not shown
Debt simplification nets out mutual obligations so the group can settle in the fewest transfers. Nothing is lost — individual expenses remain in the history, and only the balances are collapsed. The method behind this is explained in who owes whom.
It is a ledger, not a wallet
Splitwise does not hold or transfer money. Marking a debt settled records that a repayment happened; you still send it in your banking app.
Alternatives
If the daily cap is the problem, compare the current options in the best Splitwise alternatives and which bill-splitting app to choose.
Frequently asked questions
Is Splitwise free?
There is a free tier with ads and a daily expense cap, plus a paid Pro subscription.
Will the trial charge me?
Yes, unless you cancel it in your app store account before it renews.
Why are some debts missing?
Simplification nets out mutual debts; the underlying expenses are still in the history.
Can I link a bank card?
No — the app records repayments, it does not make them.
No subscription, no daily cap
Create a group by link, add expenses, and get who owes whom.
Create a group