Is Splitwise free? What the free plan really includes in 2026
By the SuperSplit team. We build a competing expense splitter, so read this with that in mind — but the facts below are the facts, and they're the reason SuperSplit exists at all.
The short answer: yes, Splitwise is still free to download and use — but "free" means less than it used to. Over the past few years the free plan picked up a daily cap on new expenses, video ads, and a steady push toward the paid Pro tier. If you and your flatmates log a handful of expenses a month, you may never notice. If you're running a two-week group trip, you'll hit the wall in the first day or two.
The three limits that changed everything
Here's what actually happens on Splitwise's free plan today:
- A daily expense cap. Once you've added a few expenses in a day, the app blocks new ones until tomorrow. It's the single biggest departure from the Splitwise most people remember.
- Video ads between screens. The free tier shows ads as you move around the app — not banners you can ignore, but interstitials you wait out.
- Features locked behind Pro. Receipt scanning and currency conversion — things many people assume are basic — require the paid plan.
There's also the long-standing requirement that everyone in a group creates an account. That's not a paywall, but it is friction: the friend who "doesn't want another app" becomes the reason the system falls apart.
What Splitwise Pro costs
Pro runs about $4.99/month (annual billing available). It removes the daily cap and the ads, and unlocks receipt scanning, charts, and currency conversion. Whether that's worth it depends on how often you split: for a household that logs expenses daily, $60/year is defensible. For someone who takes two trips a year with friends, it's a lot to pay for arithmetic.
Our take, honestly
We don't think Splitwise is a bad product — it popularized the category and the core experience is still solid. Our objection is to the shape of the free plan: a limit on how many expenses you can log is a limit on the app's one job. That's the exact design decision we flipped when building SuperSplit — unlimited expenses, no ads, multi-currency, and view-only group links that non-users can open in a browser, all on the free plan.
If you're weighing a move, our pricing page lays out the full comparison — including the part where the extras (receipts, charts, export) sit behind an optional $29.99/year or $99-once upgrade rather than the basics.
Quick answers
- Is Splitwise free in 2026? Yes, with a daily expense cap, ads, and Pro-gated features.
- How much is Pro? About $4.99/month; it removes the cap and ads.
- Is there a free alternative with no daily limit? Yes — SuperSplit, Tricount, and Splid all offer unlimited free splitting.
Hitting the daily cap mid-trip?
SuperSplit has no per-day limit — split, scan, and settle across 150+ currencies. Free to start.
