Splitwise alternatives

What's the problem with Splitwise's free version?

Splitwise's Pro page lists "unlimited expenses" as a Pro perk, which implies the free app caps how many you can add in a day. Splitwise doesn't say what the cap is, and what users report varies, so there's no number to quote here. Pro also gets you receipt scanning, itemising, currency conversion, charts and no ads.

If you use those things, that's a fair deal. If all you need is to split the flat's bills, most of that list won't matter and the cap is the part that gets in the way.

Why Numora comes out ahead

• Add expenses in natural language. Type an expense into WhatsApp or Telegram the way you'd say it, and Numora adds it, without opening the app. Splitwise, Tricount, Splid and Settle Up don't have this, and the only Splitwise bots are third-party projects.
• An AI assistant, Noo. Ask where most of your money goes, how you're doing on your budget or whether you can afford a weekend away, and Noo answers with a number, a chart or a list. None of the other four has an AI assistant.
• Clean, and all in one place. Numora's tagline is "Track it. Split it. One clean expense app." The home screen shows the month's total, what's left of your budget and your latest expenses, with tabs for All, Categories, Recurring and Due. Your own spending, your groups and your recurring bills sit in one view instead of three apps.
• A nudge so you don't forget. A daily reminder, 8:30 pm by default, goes off only on days you haven't logged anything. A forgotten coffee doesn't turn into a forgotten week.
• Splitting that does the maths. In a group you can split equally, between the people you tick, or by exact amounts, and the Dues tab shows who owes whom in as few payments as possible. The person who's owed can send a push reminder with Notify.

The other three, quickly

• Tricount. Its site says it converts currencies, works offline and shows who has paid their share. There's also an optional bunq Card that adds shared expenses automatically as you spend. That's a bank product with its own fees and terms, so read those separately.
• Splid. Its site says you can set up a group offline and pick from more than 150 currencies, with automatic conversion. The App Store listing also shows in-app purchases for Splid Plus and extra groups, so look at what the free version covers before you start a group that will run for months.
• Settle Up. Handles several currencies with live exchange rates, and everyone gets that, according to its App Store listing. Premium takes out the ads and adds receipt photos, recurring and future expenses, custom categories, Excel export and stats.

Where Numora falls short today

• Every group uses one currency, the one whoever created it picked, and nothing converts. Multiple currencies are coming soon, but until then Tricount or Splid is the better pick for a trip abroad.
• Settling up in Numora records that someone has paid. It doesn't move any money, so people still pay each other outside the app.
• It's iPhone and Android only.
• Recurring expenses don't add themselves. When one is due, you mark it paid or skip it.

So which one?

If the trip is across borders and the currencies are the whole point, Tricount or Splid is the safer pick today. For nearly everything else, a flat, a couple, a group of friends, Numora gives you the most, with free splitting, a budget, recurring bills, natural-language entry and Noo in one clean app. And if ads bother you, Splitwise and Settle Up both charge to remove them.

Frequently asked questions