Compared
Orla vs Splitwise
Splitwise keeps score of who owes whom. Orla keeps the book that debt belongs to, so settling up is a payment against a budget.
Checked on 13 September 2026 against Splitwise's own Pro page.
Side by side
Two different jobs, and the one row where they overlap
The overlap is one row of this table. The rest is the difference.
| Orla | Splitwise | |
|---|---|---|
| What it isIn one sentence | A book for all your money, with splitting built into it | A shared record of who owes whom, the best known |
| PriceTheir own pages, this month | Free forever, no card; Starter $25 or Pro $69 a month | Free with ads; Pro sells “unlimited expenses” and “a totally ad-free experience”, and names no price on its own page |
| Where an expense startsBefore the split | A connected account, split without retyping it | Typed in, or a card import “only in the US” |
| After you settle upWhere the money lands | A real payment in the same book, against the same budget | A balance cleared in the app, the money moves elsewhere |
| Everything elseSalary, rent, coins | Same book, same categories, same reports | Not what it does; shared expenses only |
| GroupsA trip, a flat, a family | Spaces with their own books, and a private personal space | Groups and friends, with default split settings on Pro |
| Getting everyone inWhere they win | Each person signs up, one connects the accounts | Everybody has it already; a trip takes one message |
Fair is fair
When Splitwise is the right choice
Most of the time, honestly, and here is when.
- All you need is who owes whom on one trip, and everyone in the group already has it installed.
- You do not want a budgeting app at all; you want a scoreboard that takes ten seconds.
- Nobody in the group is going to connect a bank account, and they should not have to.
Where Orla is different
The split stops being a scoreboard kept somewhere else
This matters when the sharing is not a one week trip.
- A flat you share every month: the rent, the bills and your own groceries live in one budget, and your share of each is already counted.
- Settling up is a payment recorded against the right category, so the month adds up afterwards.
- The same book holds the salary the rent comes out of, and the coins, if that is where your money is.
Questions
The questions the table does not answer
Can Orla replace Splitwise?
For a shared flat or a household, yes: the expense arrives from a connected account, your share is counted, and settling up is recorded as a real payment against the same budget. For a one week trip with six people who all already have Splitwise, it is not worth moving anybody at all, and we say so.
Does splitting cost anything in Orla?
No. Group and shared spaces are on the free plan, which has no time limit and asks for no card. What the paid plans add is more synced rows for live bank and exchange sync, invoices and everything else that the book holds for a company.
What does Splitwise do that Orla does not?
It gets everyone in. A trip is organised in one message because the other five people already have the app, and that is worth more than any feature on a short trip. Splitwise also scans and itemises receipts, which we do for documents rather than for splitting a restaurant bill.
Other comparisons
Split the trip, and keep the book when the trip is over
The free plan has no clock on it, and a group space works on it.
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 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.
- Splitwise alternatives →
- Two free like-for-like options, one different idea, and when moving a group is not worth it.
See it on your own books
Thirty minutes: we connect an account, drop a real bill in, and close a month together.