Free group expense splitterSettle Up
No daily expense limit. Add who paid what, and get the fewest transfers that square everyone up. The whole ledger lives in the link, so there is no account and nothing is stored anywhere but your browser. Is it worth paying for Splitwise?
People
Add everyone who paid for something or shared a cost.
Add an expense
Expenses 0
Nothing yet. Add people, then the first expense.
| Date | What | Paid by | Amount | Split |
|---|
Balances
Positive means the group owes them; negative means they owe the group.
Settle up
How this works
- The link is the database. Every change rewrites the address in your browser bar. Copy it and send it; whoever opens it sees this exact ledger and can keep adding to it. If two people edit separate copies, the last link sent wins, so agree on one keeper for the trip.
- Odd cents go to the first people in the split, so totals always match to the cent.
- Fewest transfers. The plan pays the biggest creditor from the biggest debtor until every balance is zero. Five people usually settle in four payments or fewer.
- This device also keeps an autosaved copy so you can come back tomorrow. Clear removes it. Nothing is ever sent to us.
Questions
What is Splitwise's daily limit?
Since 2023, a free Splitwise account can add only a few expenses a day before it asks you to wait until tomorrow or pay for Pro. Splitwise does not publish the exact number; users report somewhere between three and five. Settle Up has no limit of any kind, so you can enter a whole weekend's receipts in one sitting.
Does the limit reset?
Reports say it resets the next day. That does not help when you are back from a trip with twenty receipts and everyone wants to know what they owe tonight.
Can friends add expenses without the app?
Yes. Send them the share link; it opens in any browser, with nothing to install and no account. They add their expenses and send the new link back. Because the link is the ledger, agree on one person to keep the latest copy.
When is Splitwise still worth paying for?
When several people need to add expenses from their own phones over months and see one live ledger without passing links around. That sync is what the subscription buys. The full comparison covers it, and for other paid extras there are the Is It Worth It? calculators.