Splitwise Alternatives for Couples: 6 Honest Options (2026)

The best Splitwise alternatives for couples are Honeydue if you want a joint view of your bank accounts and bills, Tricount if you want a simple free splitter with no limits, Settle Up or Splid if you want a lightweight tracker with flexible splits, a shared Google Sheet if you want full control, and EvenUS if you want shared costs split by income and a look at how time and planning are shared too. If a running balance is all you need, Splitwise itself is still a good choice.

One thing to say up front: EvenUS is our own app, so bear that in mind when you get to its section. Every other app here is judged on what its own website or App Store listing says it does, as of October 2026. Listings change, so check each one before you decide.

Why couples go looking for something else

Splitwise is built around groups and running balances. Some couples want something shaped around two people sharing a home.

Say Alex earns quite a bit more than Sam. Splitting the rent down the middle starts to feel off, and they'd rather each pay in proportion to income. Other couples want to see spending, bills and accounts together in one place, which a balance between two people doesn't give you. And for some, a tally of who paid what misses the actual argument, which tends to be about time, chores and the planning nobody sees. How to split bills when you earn different amounts goes into the money side properly.

Splitwise alternatives for couples at a glance

Splitwise: what it does well

Best for: couples whose shared spending overlaps with friends, flatmates or trips. Pick it if you want a proven, free tracker on every platform.

Splitwise is free on iPhone, Android and the web, and its homepage now talks to partners directly as well as housemates and groups. You can split by equal shares, percentages, shares or exact amounts, set up recurring bills, use more than 100 currencies and add expenses offline. It's actively maintained, with an iOS update this month.

Splitwise Pro adds receipt scanning with itemisation, charts, currency conversion and default split settings for a group, such as a fixed percentage. So a couple can set a standing income-based ratio once (say 60/40) and leave it. Pro also lifts the limit on expenses that the free version has.

Honest limitation: Splitwise tracks money between people, and that's where it stops. You set the percentages and shares by hand rather than having them worked out from your incomes, and there's no view of time, chores or planning. If a balance is all you're after, you may not need an alternative at all.

Honeydue

Best for: couples who want to see their accounts, bills and spending together. Pick it if your main question is "where is our money going?"

Honeydue calls itself a money app built for couples. It links bank accounts, loans and investments (it says it supports over 20,000 institutions across 5 countries), sends bill reminders and lets you chat with your partner about individual transactions. You choose what you share, set monthly household budgets by category, and split and settle up expenses between you. It's free on iPhone and Android, and the only purchases on its App Store listing are optional monthly tips.

Honest limitation: its status has been patchy. The App Store version history includes 2023 notes saying Honeydue had been sunset and its debit card programme was ending. It's had updates since, most recently a stability release in October, so it looks maintained, but we'd read some recent reviews before linking your accounts. There's a longer comparison in EvenUS vs Honeydue vs Flatastic.

Tricount

Best for: couples who want something simple and completely free. Pick it if Splitwise's free limits are what's bothering you.

Tricount splits expenses for trips, dinners and homes, and its website has a section for couples sharing the weekly shop and date nights. Its App Store listing says it's free and unlimited, with no subscription and no cap on tricounts or expenses. It handles uneven splits, shows live balances and who pays back whom, sends payment requests in the app, and copes with multiple currencies and offline tracking. It runs on iOS and Android.

Tricount is owned by bunq. If you bank with bunq, linking the card adds shared expenses automatically as you spend. It can also import a Splitwise group, which saves starting from scratch.

Honest limitation: underneath, it's still a group splitter. The automatic card feature only helps bunq customers, it won't work out an income-based split for you, and it doesn't look at anything beyond money.

Settle Up

Best for: couples who want weighted splits and an easy way to show the balance. Pick it if you'd like to set your own split and share the balance with a link.

Settle Up is a group expense tracker from Step Up Labs. It handles even splits, unequal weights and multiple payers, works out the fewest transfers needed to settle, syncs after offline use, and makes view-only links that open in a browser without the app. If Jordan earns twice what Maya does, you can give Jordan a weight of 2 and Maya a weight of 1.

The app is free with in-app purchases. On the US App Store, Premium is $3.99 a month or $19.99 a year, and adds recurring and future expenses, receipt photos, spending statistics and no ads.

Honest limitation: recurring expenses need Premium, and you set the weights by hand rather than having them worked out from your incomes. It runs on iPhone, iPad, Mac (M1 chip or later), Android and the web.

Splid

Best for: couples who want to start in seconds with no account. Pick it if you travel a lot or often spend in other currencies.

Splid's App Store listing pitches it for holidays, housemates and relationships. There's no sign-up, it works offline, and it handles uneven splits and multiple payers. It supports more than 150 currencies with automatic conversion and can produce PDF summaries, with Excel export as a paid add-on. In-app purchases on the UK App Store include Splid Plus at £3.99 and an extra two groups at £2.99. The listing doesn't say whether these are one-off or ongoing.

Honest limitation: it's on iPhone and Android, but its latest update on the UK App Store is dated 4 May. Have a look at the listing for recent activity before you rely on it.

A shared spreadsheet

Best for: couples who like to see every formula. Pick it if none of the apps fits the way you split.

A shared Google Sheet costs nothing beyond a Google Account. You can both edit at once, set sharing permissions, look back through revision history and open it on phone, tablet or desktop, offline too. Any split you can write a formula for, you can have.

Honest limitation: the sheet only knows what someone types in. Keeping it up to date turns into a small job of its own, and it usually ends up with one of you. EvenUS vs traditional spreadsheets looks at when a sheet works well and when it starts to creak.

EvenUS (our app)

Best for: couples who earn different amounts, or who suspect the split is about more than money. Pick it if you want shared costs split by income and a clear picture of free time.

EvenUS is built for two people who live together. You choose one of four ways to split shared costs (by income, evenly, "end up with the same", or "split what's spare") and can see what each one would do with your own figures before you switch.

A single running figure shows what would even things up between you, and you can import your Splitwise history, including past payments between you.

The part the other apps don't touch is time. EvenUS works out the hours each of you has left in a week after sleep, paid work, travel, the house and the planning you each hold.

Most weeks it suggests one change, with the reason, and you only try it if you both agree. There's also a private check-in on how the week felt, a comparison of who keeps track of what, and a household balance that explains every part of its number. You can try the split with your own numbers in the calculator.

EvenUS runs on iOS and Android. It has a 7-day free trial with no card needed, then $9.99 a month or $79.99 a year (US reference prices; the stores set local prices), and one subscription covers both of you.

Honest limitation: it's still in closed testing and not on the app stores yet. It doesn't link to your bank (you import a statement file instead), and it's designed for two partners, so it won't suit a group of flatmates or a trip with friends.

Which one to pick

Start with what you're actually trying to fix, not the feature list.

If you just want a balance between you, stay with Splitwise, or try Tricount if you want it free with no limits.

For income-based splits, Settle Up's weights and Splitwise Pro's default split settings both let you set a ratio yourself, while EvenUS works it out from your incomes. Income-proportional bill splitting walks through the maths.

• Want a joint view of accounts? Honeydue is the one here built around linking your bank accounts, loans and investments.
• Want full control? Use a shared spreadsheet.

And if the disagreement isn't really about money, look at time and planning as well. The mental load quiz is a quick place to start, and what the mental load is explains why it often matters more than the bills.

Keeping your finances separate? Tools to track shared expenses for unmarried couples is written for you.

Frequently asked questions

Is Splitwise good for couples?

Yes, for tracking who paid what. Its homepage mentions partners directly, it's free on iPhone, Android and the web, and Pro lets you set a default split such as a fixed percentage. It doesn't look at time or chores.

What is the best free alternative to Splitwise for couples?

Tricount, if you want a splitter. Its listing says it's free with no subscription and no limits. Honeydue is free too, if you'd rather link your accounts.

Which apps can split bills by income?

Settle Up lets you set unequal weights, and Splitwise Pro has default split settings such as a fixed percentage, so in both you set your ratio by hand. EvenUS has splitting by income as one of four methods and works out the shares from what you each earn.

Can I move my Splitwise history to another app?

Tricount says it can import a Splitwise group. EvenUS can import a Splitwise export for the two of you, including who paid, how each cost was split and the payments between you.

Is there an app that tracks chores and money together?

Of the apps here, only EvenUS looks at both, plus the planning each of you holds. The rest stick to money. For apps focused on housework, see the best chore tracking apps.

EvenUS is our own app. We have no affiliate deals with any app on this page and earn nothing if you choose one of them. Prices change, so check the store listing before you pay.