The 3 Best Free Splitwise Alternatives in 2026

If you've recently hit the paywall on Splitwise telling you that you can only add a few expenses per day, or you're tired of full‑screen ads interrupting your trips, you're not alone. Many users are looking for a true free alternative to manage shared bills.

Here are the top three free expense splitters in 2026.

1. GoEven (Best Overall)

GoEven was built specifically to solve the paywall problem. It offers 100% of its features for free, with zero ads.

Why it wins:

• Truly Free: No limits on expenses, no limits on groups, no ads.
• In‑App Chat: The only app with live group chat built directly into the expense ledger. Discuss the bill right where you split it.
• Smart Debt Simplification: Minimizes the number of transactions needed to settle a group — for free.
• Offline Mode: Works perfectly on flights or in remote areas.

2. Tricount (Best for Simplicity)

Tricount is a classic, minimalist app that has been around for years.

Why it's good:

• Extremely simple interface.
• No mandatory account creation required to view a link.

The downside:

• It contains ads.
• It lacks advanced features like receipt scanning or itemized splitting by percentage.

3. Settle Up (Best for Global Travelers)

Settle Up is another strong contender that supports many different scenarios.

Why it's good:

• Great multi‑currency support.
• Shows live exchange rates.

The downside:

• The free version is heavily ad‑supported.
• The UI can feel a bit cluttered compared to modern apps.

Conclusion

If you are willing to deal with ads, Tricount and Settle Up are solid choices. However, if you want a premium, ad‑free experience with modern features like live chat and automated debt simplification — without ever hitting a paywall — GoEven is the undisputed champion of 2026.