Editor's pick

Splitwise alternatives with no daily expense limit (2026)

No daily limit, no account and no subscription are the rules for this list, because that is exactly where Splitwise changed. Splitwise is still the best-known way to track who owes whom, and its group features are genuinely good, but the free tier now caps how many expenses you can add each day (Splitwise does not publish the number, and users report roughly three to five) and puts the rest behind Splitwise Pro at about $4.99 a month. On a group trip, where one person logs the dinner, the taxi, the groceries and the museum tickets in a single evening, that cap is hit before dessert. Tricount is a solid free alternative if everyone in the group is happy to install an app and create an account. The two apps below take a different route: they run entirely on one phone, the organizer's, with no sign-up for anyone. Kitty is for trips and shared houses: log every expense with who paid and who shares it, and it collapses the week into the fewest possible transfers at the end. Splitcheck is for the table tonight: enter the bill, assign each item to whoever ordered it, set tax and tip, and everyone sees exactly what they owe.

How to choose a bill-splitting app

Splitting apps look alike on the App Store. Four questions separate the ones that survive a whole trip:

  1. 1. Is there a cap on free use?

    A daily expense limit is invisible at home and painful on holiday, when a dozen costs land in one evening. Check the free tier before the trip, not at the first dinner.

  2. 2. Does everyone need an account?

    Apps that sync between phones need every traveler to sign up. That is fine for a flat that shares bills for a year, and friction for a weekend away. One organizer with one phone is often enough.

  3. 3. Can it minimize the transfers?

    Ten people and forty expenses can produce a tangle of IOUs. A good app reduces them to the smallest set of payments, so settling up takes a few transfers instead of dozens.

  4. 4. Does it work without a signal?

    Roaming data, mountain huts and ferry crossings are where shared costs happen. An app that logs offline keeps the record straight wherever the bill arrives.

  1. Kitty icon
    TestFlight beta Finance

    Kitty

    Split trips, settle up fast

    Does:
    group trip expense splitter
    Price:
    Free, no subscription
    Offline:
    Yes
    Account:
    None

    Read the full app page →

    Try Kitty free in your browser →
  2. Splitcheck icon
    TestFlight beta Finance

    Splitcheck

    Split the bill, not the mood

    Does:
    restaurant bill splitter
    Price:
    Free, no subscription
    Offline:
    Yes
    Account:
    None

    Read the full app page →

    Try Splitcheck free in your browser →

FAQ

Is there a free Splitwise alternative without a daily limit? ▾

Yes. Kitty and Splitcheck have no limit on how many expenses or bills you log, no subscription and no account. Everything is stored on your phone.

Does everyone in the group need to install the app? ▾

No. Both apps are built for one organizer. Kitty turns the trip into a settle-up summary you can share as an image, and Splitcheck shows a per-person breakdown at the table.

Can I split a restaurant bill by item, not just evenly? ▾

Yes. Splitcheck lets you attach each menu item to the person who ordered it, then shares tax and tip proportionally. It also does a simple even split.

Can I try them without an iPhone? ▾

Yes. Both have a free browser version you can open from any computer or phone. Your data stays in that browser.

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