Splitwise costs $5/mo.
These cost $0.
4 free alternatives to Splitwise, checked for license, recent activity and real adoption. Each one tells you the catch, so you can switch with your eyes open.
Splitwise vs Free Alternatives Matrix
Quick side-by-side comparison · $0/mo vs $5/mo
| Alternative | Type | License | Where It Runs | Stars | Head-to-Head |
|---|---|---|---|---|---|
| Spliit | open source | — | — | ★ 2.7k | Splitwise vs Spliit → |
| IHateMoney | open source | — | — | ★ 1.4k | Splitwise vs IHateMoney → |
| Cospend | open source | — | — | ★ 283 | Splitwise vs Cospend → |
| Tricount | free | — | — | ★ $0 forever | Splitwise vs Tricount → |
The picks
3 open source · 1 free to use · ranked by fit
- 01
Spliit
open source2.7kdec 2025Share a link, split, settle. No accounts, no ads. Use their instance or run your own.
Install, platforms & data +
- platforms
- webself-hostedthey host it
- 02
IHateMoney
open source1.4kmay 2026Around since 2011, proudly boring, in declared maintenance mode; use their free instance or one docker run.
Install, platforms & data +
- platforms
- webself-hostedthey host it
- 03
Cospend
open source283jun 2026Splitwise for people who already run Nextcloud; pairs with the MoneyBuster Android app.
Install, platforms & data +
- platforms
- webself-hostedself-host, real ops
- 04
Tricount
freeFree and huge in Europe; closed source and bunq-owned, new signups get a bunq account, and CSV export left with the old Premium.
Install, platforms & data +
- platforms
- mobilethey host it
Frequently Asked Questions
Direct answers · Splitwise open-source replacements
What is the best free alternative to Splitwise?+
The top free alternative to Splitwise is Spliit (open source). Share a link, split, settle. No accounts, no ads. Use their instance or run your own. Other popular Splitwise replacements include IHateMoney, Cospend, Tricount.
Can I self-host a free replacement for Splitwise?+
Yes. Of the 4 free alternatives to Splitwise, 3 can be self-hosted on your own server or local machine: Spliit (free), IHateMoney (free), Cospend (free).
How much does switching from Splitwise to a free alternative save?+
Splitwise starts at $5/month per seat ($60/year). Switching a 5-person team to a free alternative like Spliit saves $300 per year in software subscription fees.
Should I vibe-code or build my own Splitwise clone from scratch?+
Our build verdict for Splitwise is KINDA (the core, yes. the polish, no). The ledger and the debt math are a solved problem; a link-shared DIY version covers a household or one trip in a single sitting, no accounts needed. The gap is not code, it is adoption: Splitwise works because the whole group already has it installed, and nobody downloads your homebrew app for one weekend away. Build it for the people who share your fridge; for everyone else, the moat is other people's phones.
