Alternatives
Splitwise alternatives, and when you do not need one
Two options below are the same app without ads; the third is a different idea.
Read off each product's own pages on 13 September 2026.
The shortlist
Three options, and one of them is probably enough for you
If all you need is who owes whom on a trip, stop at the first two.
| What it is | Price | The catch | |
|---|---|---|---|
| tricountOwned by bunq | The closest like-for-like: a shared list, a link to invite, everyone adds their own | Free | It is a scoreboard, not a budget. Owned by a bank, if that matters to you |
| Settle UpIndependent | The same job, with the settling worked out into as few payments as possible | Free | Smaller, plainer, and the same limit: shared expenses and nothing else |
| OrlaThis site | The split inside a ledger, so settling up is a payment against a budget | Free, then $25 or $69 a month | Everyone must sign up, a lot for a weekend |
When to stay put
A one week trip does not need a migration
Its real advantage is that the other five people already have it.
- Everyone installed, one message, done. Moving a group is the expensive part, not the app.
- If the ads are the problem, their paid tier removes them, and the free options above do too.
- Nobody in the group has to connect a bank to any of the first two, and they should not have to.
When the split is not the problem
The shared flat, month after month, year after year
A scoreboard works until the sharing is permanent.
- The rent, the bills and your own groceries live in one budget, and your share of each is already counted.
- Settling up is recorded as a real payment against the right category, so the month closes properly.
- An expense arrives from a connected account instead of being typed in twice, once in your budget and once in the scoreboard.
- The same book holds the salary the rent comes out of.
Questions
The questions the table does not answer
What is the best free Splitwise alternative?
tricount or Settle Up. Both are free, both do the same job, and Settle Up works the settling out into as few payments as possible. If the ads and the limits are your only complaint, either of them solves it without costing anything.
Should I move my group off Splitwise?
For a one week trip, no. The other five people already have it, and moving a group is the expensive part, not the app. For a flat you share month after month, the calculation changes: that is when a scoreboard stops being enough.
How is Orla different from all three?
The other three record who owes whom. Orla records it inside the book the debt belongs to, so settling up is a real payment against the right category and your own month adds up afterwards. The price of that is that everyone signs up, which is a lot to ask for one weekend.
Other comparisons
Group spaces are on the free plan
If tricount or Settle Up is enough for you, take it. Being told the truth is worth more than being sold to.
See a group space →- Orla vs T:0 →
- T:0 keeps GAAP books with a CPA; Orla runs everything before the accountant, and speaks crypto.
- Orla vs Dimely →
- Dimely turns a contract into an invoice inside your ERP; Orla takes it all the way to the money.
- Orla vs Fuelfinance →
- Fuelfinance is FP&A over QuickBooks; Orla is the book itself, for a company with no bookkeeper.
- Orla vs Light →
- Light is an agentic ERP for groups of companies; Orla is one company's back office, started this afternoon.
- Orla vs Neno →
- Neno is a Dutch accounting firm that holds money and files; Orla holds neither and hands the month to your accountant.
- Moving off Midday →
- Midday is winding down; Orla reads its whole export, categories and receipts included.
- Orla vs YNAB →
- Both budget your money. YNAB sees your banks; Orla sees banks, exchanges and wallets in one book.
- Orla vs Monarch →
- Monarch budgets American and Canadian banks well; Orla adds exchanges and wallets to the same money.
- Orla vs Copilot Money →
- Copilot tracks American money in dollars; Orla holds several currencies and puts coins in the budget.
- Orla vs Lunch Money →
- Both independent, both outside America; the split is whether a coin is a balance or a line.
- Orla vs Splitwise →
- Splitwise keeps score of who owes whom; Orla keeps the book those debts belong to.
- Orla vs CoinTracker →
- One counts last year's crypto for the tax office; the other runs your money all year.
- YNAB alternatives →
- Five options with the price and the catch on each.
See it on your own books
Thirty minutes: we connect an account, drop a real bill in, and close a month together.