Expenses · Reviewed 21 Oct 2026

Splitwise

Splitwise is a free tool for friends and roommates to track shared expenses and balances.

from $4.99 · free tier · splitwise.com ↗

Paid against free › Expenses › Splitwise

Splitwise at a glance

Overview

01

Summary

The useful answer before the supporting detail.

Splitwise is a free tool for friends and roommates to track bills and shared expenses, ensuring everyone gets paid back S1. It is used by people who share costs with housemates, on trips, or in groups, solving the problem of forgotten or disputed debts S1 S36. Its practical value is keeping a clear record of who owes whom, with optional payment features to settle balances S36 S59.

02

Product identity and positioning

Name, category, positioning, audience, and first-party claims.

  • Identity: Splitwise is a shared expense tracking service from Splitwise Inc., based in Providence, RI S1 S111.
  • Core purpose: It solves the problem of tracking informal debts and shared expenses among friends and family S119.
  • Intended users: Friends, roommates, and family who need to split bills and track shared expenses S1 S36.
  • Product scope: A web and mobile app with optional payment and card services, not a full financial platform S36 S50.
  • Positioning: Splitwise positions itself as a tool to remove the stress and awkwardness money places on relationships S56.
  • Claimed distinction: It is a free tool that helps everyone get paid back, with a focus on fairness S1.
03

Use cases and audiences

Who the product serves and the jobs it is designed to handle.

AudiencePractical use case
RoommatesTrack shared rent, utilities, and household expenses to keep balances fair S1 S36.
Friends on tripsSplit costs for travel, meals, and activities during group trips S36.
FamiliesManage shared expenses among family members, such as groceries or bills S1 S36.
GroupsOrganize expenses for events or shared projects with multiple participants S36.

Features

09

Features and capabilities

Core functions and evidence-backed product capabilities.

CapabilityWhat it does
Expense trackingRecord shared expenses and balances, showing who owes whom S36.
Group managementOrganize expenses by groups such as housemates, trips, or friends S36.
Payment integrationsConnect with external payment services like PayPal, Venmo, and Paytm to settle balances S119.
Transaction importImport transactions from linked bank accounts or cards S36 S50.
Splitwise PayA wallet and debit card service that allows users to pay and receive payments within the app S50 S59.
Data exportUsers can export data from their groups and friendships S111.
Receipt splittingA feature for splitting receipts, as announced in press releases S60.
10

Integrations and ecosystem

Connected products, exports, APIs, and workflow compatibility.

Integration or interfaceTypeWhat it enables
PayPalIntegrationAllows users to send and receive payments and automatically record payment status S119.
VenmoIntegrationEnables users to interact with Venmo for payments, with deep links and automatic recording S119.
PaytmIntegrationProvides links to Paytm for initiating payments or requests S119.
Open banking (Tink)IntegrationFacilitates bank-to-bank payments initiated through Splitwise S119.
PlaidIntegrationConnects bank accounts for Splitwise Pay and certain Pro features S111.
Third-party APIAPIAllows other applications to access user account data upon user authorization S111.
AI model accountsIntegrationAllows users to link their Google or Facebook accounts for authentication S111.

Pricing

11

Pricing and plans

Published plans, free access, trials, credits, and pricing limitations.

Plan or offerVerified price and billingIncludedLimits
Free$0 S1Core features: expense tracking, balances, groups S36Daily expense limit and ads S1
Splitwise Pro$4.99 per month or $39.99 per year (App Store) S1Unlimited expenses, receipt scanning, reduced ads, early access to new features S36 S119Card import US only; prices may vary by country S1
Splitwise CardNo monthly or annual maintenance fees, no activation or purchase fees, no foreign transaction fees S50Add unlimited expenses to Splitwise automatically, no Pro required S50Subject to spending, usage, and discretionary limits S50
Splitwise PayNo transaction fees for standard electronic funds transfers, no monthly fee or cost to sign up S59Send payments, add to wallet, withdraw funds S59Access subject to approval by Splitwise & Coastal Community Bank S59

Competition

12

Competitive landscape

Domains competing for the same organic search demand.

Sampled competitors

CompetitorFirst-page appearancesSampled queriesAverage positionQueries observed
claimspages.com224calculate depreciation on furniture, depreciation calculator for furniture
b-sadvisors.com224.5calculate depreciation on furniture, depreciation calculator for furniture
help.homeexchange.com111depreciation calculator for furniture
nepafurniture.com112calculate depreciation on furniture
asherfield.com113calculate depreciation on furniture
mydepreciation.org114calculate depreciation on furniture
facebook.com114depreciation calculator for furniture
quora.com115depreciation calculator for furniture
wallstreetmojo.com116calculate depreciation on furniture
blog.splitwise.com116depreciation calculator for furniture

Website intelligence — Collected evidence

Customers, testimonials, and first-party review claims

No supporting public-page evidence was collected for this category.

Independent review sources discovered

No links to supported independent review platforms were discovered on the collected pages.

14

AI visibility

Measured ChatGPT and Google AI mentions with cited sources.

AI-assistant referral traffic

  • Estimated current generative-AI referral share: 0.3%
MonthSource
—All AI assistants
—All AI assistants

Website intelligence — Collected evidence

Site-stated AI capabilities

No supporting public-page evidence was collected for this category.

These are first-party product claims, not independent measurements of AI-search visibility.

15

Marketing opportunities

Actions calculated directly from the collected evidence.

OpportunityRecommended actionEvidence
Competitor gap2 first-page appearances across calculate depreciation on furniture, depreciation calculator for furniture

Website intelligence — Collected evidence

Website evidence gaps

  • pricing: no usable public page was collected; verify whether the site publishes this evidence.
  • integrations: no usable public page was collected; verify whether the site publishes this evidence.
  • customers: no usable public page was collected; verify whether the site publishes this evidence.
  • reviews: no usable public page was collected; verify whether the site publishes this evidence.
  • changes: no usable public page was collected; verify whether the site publishes this evidence.
  • technical: no usable public page was collected; verify whether the site publishes this evidence.

Trust and proof

16

Customers, proof, and reviews

Published proof, customer signals, and review evidence.

Independent reviews

PlatformPageHow it was foundNote
Product HuntSplitwise Reviews (2026) / Product HuntGrounded web searchSplitwise Reviews (2026) / Product Hunt ... # Splitwise Reviews ... ### The community submitted 15 reviews to tell us what they like about Splitwise, what Splitwise can do better, and more. 3.8 ... Reviewers largely see Splitwise as a dependable, easy way to track shared expenses for trips, roommates, teams, and group events. They repeatedly praise its flexible split options, quick expense entry, clean interface, stability, and clear settlement of group balances. But sentiment turns sharply arou
TrustpilotSplitwise Reviews / Read Customer Service Reviews of splitwise.comGrounded web search# Splitwise Reviews 60 ... 1.8 ... We use technology to protect platform integrity, but we don't fact-check reviews ... While we don't verify specific claims because reviewers' opinions are their own, we may label reviews as "Verified" when we can confirm a business interaction took place. Read more ... Companies on Trustpilot aren't allowed to offer incentives or pay to hide reviews. Reviews are the opinions of individual users and not of Trustpilot. Read more
Apple App Store‎Splitwise - Ratings & Reviews - App StoreGrounded web search## Ratings & Reviews - 4.0 out of 5 29K Ratings ... I used to love Splitwise—they had heaps of features that no other competitor offered and it was the perfect way to balance expenses in larger groups. We would happily pay for Pro to easily scan and
Google PlaySplitwise - Apps on Google PlayGrounded web search## Ratings and reviews ... 4.0 193K reviews ... Johnny Martinez August 31, 2026 I hardly ever leave reviews, but this is a terrible app. There is a daily limit for the number of expense requests you can put it (its like 5 requests) so you are out of luck if your group needs to split more than 5 transactions on a vacation. Might as well use a calculator and do it yourself. The app does not scan your receipt or do anything special and then asks you for money. Brodyjohn Stancliff August 18, 2026 Th
FairSplitSplitwise Review: Features, Limits, and Privacy / FairSplitGrounded web searcha continuing shared ledger, is comfortable with accounts, and benefits from keeping many uneven expenses in one place. Its strongest practical feature is debt simplification: it can reduce the number of payments without changing anyone’s net balance.
Product HuntSplitwise Competitors & Alternatives (2026) / Product HuntGrounded web search## Split expenses with friends • 15 reviews• 73 followers ... is the go-to name for tracking shared expenses and settling up in groups, ... experience that stays free. Beyond classic IOU tracking, you’ll also find apps that bundle travel coordination

Customer proof

No named customers, testimonials, or customer case studies were found.

Independent mentions

  • Splitwise Negative Reviews & Comments — # Splitwise Negative Reviews 3.9 Total 125 Negative Reviews 0 USD - 75.2 LEGITIMACY SCORE - 77.2 SAFETY SCORE - 4+ CONTENT RATING - Free PRICE ... Splitwise app received 125 complaints, negative comments and reviews by users.

External links were grounded in one live web search. Search snippets are leads, not independently scraped page content; rejected links remain available in Review evidence.

17

Company, security, and trust

Ownership, policies, security signals, and public trust evidence.

SignalFindingSource
Company and ownershipBefore joining Splitwise, Sarah founded and fostered small teams, including the innovation center at George Washington University and ignite, a purpose-driven digital marketing agency. When not working, she loves vintagesource
Contact and supportIn order to use Splitwise, you will need to create an account, which requires providing some registration information such as name, email address and phone number. We use this information to manage your account includingsource
Legal and privacySplitwise Pay: In the United States, Splitwise offers a wallet and debit card service called Splitwise Pay in partnership with an issuing bank partner. If you choose to use Splitwise Pay, you will need to accept thesource
Security and complianceWe take the security of your information seriously. We use technical and administrative security measures such as encryption techniques and authentication procedures to maintain the security of your online session. Pleassource
Uptime and status pageNot published on the collected pages.—
Domain registered2009-06-23—
Domain expires2027-06-23—

Not found on the collected pages: uptime and status page. This only means Scout did not find it on the pages it read; it says nothing about the company itself.

18

Documentation and product updates

Help resources, product guidance, and visible changes over time.

Resource or updateTypeWhat is availableDate or freshness
Contact and supportSupportPublic contact and support channel. (source)Not dated

Not found in the collected public sources: public roadmap, changelog or release notes, status page, separate help center or knowledge base.

Technical

19

Technical and delivery signals

Delivery model, platforms, API, data ownership, reliability claims and release activity.

SignalFindingSource
Delivery model (cloud, self-hosted, desktop, browser extension)Splitwise is available as a web app and mobile apps S36.S36
Platforms and appsFree for iPhone, Android, and web S36.S36
API and extensibility (API, SDK, webhooks, MCP, plugins)Provides a third-party API for authorized access to user data S111.S111
Data ownership and exportUsers can export data from their groups and friendships S111.S111
Performance and reliability claimsNot published on the collected pages.—
Release activityNot published on the collected pages.—
20

Measured infrastructure

Domain, certificate, and hosting signals, measured directly.

SignalFinding
Domain registered2009-06-23 — GoDaddy.com, LLC
Domain expires2027-06-23
First archived2011-09-24 — web archive
TLS certificateGoogle Trust Services, valid, expires 2026-12-04
Security headersHSTS, X-Content-Type-Options, X-Frame-Options, Referrer-Policy
Headers not servedCSP
Server headercloudflare
Mail handled byaspmx.l.google.com, alt1.aspmx.l.google.com
Nameserversearl.ns.cloudflare.com, pat.ns.cloudflare.com
21

Technical site audit

A bounded multi-page crawl with page-level issues and URLs.

Scout — Bounded technical crawl

  • Pages crawled: 15 of 15 maximum
  • Technical health: 89/100
  • Critical issues: 0
  • Warnings: 24
  • Notices: 20

Issues

SeverityIssueValueAffected URL
warningPage should have one primary H17https://www.splitwise.com/
noticeImages are missing alt text8https://www.splitwise.com/
warningPage should have one primary H17https://www.splitwise.com/
noticeImages are missing alt text8https://www.splitwise.com/
warningPage should have one primary H10https://www.splitwise.com/login
noticeLow visible word count61https://www.splitwise.com/login
noticeImages are missing alt text1https://www.splitwise.com/login
warningPage should have one primary H10https://www.splitwise.com/signup
noticeImages are missing alt text2https://www.splitwise.com/signup
noticeLow visible word count66https://www.splitwise.com/mobile
noticeImages are missing alt text1https://www.splitwise.com/mobile
warningPage should have one primary H12https://www.splitwise.com/about
noticeImages are missing alt text52https://www.splitwise.com/about
noticePage is marked noindex—https://www.splitwise.com/press
noticeLow visible word count118https://www.splitwise.com/press
noticeImages are missing alt text15https://www.splitwise.com/jobs
noticeLow visible word count128https://www.splitwise.com/calculators
noticeImages are missing alt text7https://www.splitwise.com/calculators
warningPage should have one primary H10https://www.splitwise.com/password_reset
noticeImages are missing alt text2https://www.splitwise.com/password_reset
warningPage should have one primary H10https://www.splitwise.com/login
noticeLow visible word count68https://www.splitwise.com/login
noticeImages are missing alt text1https://www.splitwise.com/login
warningPage should have one primary H112https://www.splitwise.com/subscriptions/new
noticeImages are missing alt text10https://www.splitwise.com/subscriptions/new
noticeImages are missing alt text21https://www.splitwise.com/pay
noticeMeta description length should be reviewed26https://www.splitwise.com/card
noticeLow visible word count77https://www.splitwise.com/contact
warningDuplicate title in audit sample2https://www.splitwise.com/
warningDuplicate title in audit sample2https://www.splitwise.com/
warningDuplicate title in audit sample2https://www.splitwise.com/login
warningDuplicate title in audit sample2https://www.splitwise.com/login
warningDuplicate meta description in audit sample12https://www.splitwise.com/
warningDuplicate meta description in audit sample12https://www.splitwise.com/
warningDuplicate meta description in audit sample12https://www.splitwise.com/login
warningDuplicate meta description in audit sample12https://www.splitwise.com/signup
warningDuplicate meta description in audit sample12https://www.splitwise.com/mobile
warningDuplicate meta description in audit sample12https://www.splitwise.com/about
warningDuplicate meta description in audit sample12https://www.splitwise.com/press
warningDuplicate meta description in audit sample12https://www.splitwise.com/calculators
warningDuplicate meta description in audit sample12https://www.splitwise.com/password_reset
warningDuplicate meta description in audit sample12https://www.splitwise.com/login
warningDuplicate meta description in audit sample12https://www.splitwise.com/subscriptions/new
warningDuplicate meta description in audit sample12https://www.splitwise.com/contact

Crawled pages

StatusTitleH1sWordsResponseURL
200Split expenses with friends. :: Splitwise7370201 mshttps://www.splitwise.com/
200Split expenses with friends. :: Splitwise7370198 mshttps://www.splitwise.com/
200Log in :: Splitwise061202 mshttps://www.splitwise.com/login
200Sign up :: Splitwise0361304 mshttps://www.splitwise.com/signup
200Mobile apps :: Splitwise166212 mshttps://www.splitwise.com/mobile
200About :: Splitwise22144202 mshttps://www.splitwise.com/about
200Press :: Splitwise1118206 mshttps://www.splitwise.com/press
200Join the team :: Splitwise1985213 mshttps://www.splitwise.com/jobs
200Fairness calculators :: Splitwise1128264 mshttps://www.splitwise.com/calculators
200Reset your password :: Splitwise0902289 mshttps://www.splitwise.com/password_reset
200Log in :: Splitwise068115 mshttps://www.splitwise.com/login
200Get Splitwise Pro! :: Splitwise12364114 mshttps://www.splitwise.com/subscriptions/new
200Splitwise Pay :: Splitwise1748189 mshttps://www.splitwise.com/pay
200Splitwise Card :: Splitwise11180193 mshttps://www.splitwise.com/card
200Contact support :: Splitwise177105 mshttps://www.splitwise.com/contact

This is a bounded Scout crawl. Core Web Vitals and Lighthouse scores are not claimed unless a dedicated performance audit is connected.

22

Search Console and Analytics

First-party search and behavioral data connection state.

Modeled acquisition channels

ChannelEstimated share
direct65.5%
search21.5%
search organic21.4%
search paid0.1%
social2.7%
social organic2.5%
social paid0.3%
referrals3.0%
paid referrals0.1%
mail6.9%
gen ai0.3%
affiliate0.0%
other0.0%

First-party connections

IntegrationStatusData available after connection
Google Search ConsoleNot connectedClicks, impressions, CTR, average position, queries, pages, countries, and devices
Google AnalyticsNot connectedOrganic sessions, engagement, landing pages, conversions, geography, and devices

No first-party Search Console or Analytics numbers are shown until the site owner authorizes the corresponding Google account. Scout traffic model values above are modeled estimates, not private analytics totals.

Limits and method

23

Limitations and open questions

Known constraints and missing evidence from the collected pages.

The collected pages do not mention any competitors. Evidence gaps include lack of detailed feature documentation, user reviews from independent platforms, and specific performance or uptime claims. Open questions remain about the full scope of Splitwise Pro features and the availability of Splitwise Pay outside the US.

24

Sources, method, and limitations

Evidence inventory, collection method, provider use, and constraints.

This report is based on 15 collected pages from splitwise.com, including the homepage, About, Pricing, Card, Pay, Calculators, Privacy Policy, Terms of Service, and Contact pages. The evidence catalog includes 180 entries, with external proof search performed but no verification requests. Limitations: some pages may not have been fully captured, and external review content was not collected.

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