# Orla vs Splitwise

URL: https://www.orla.finance/en/vs-splitwise
Markdown twin of that page. Append `.md` to any Orla page URL to get one.

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.

#### Two different jobs, and the one row where they overlap

- What it is (In one sentence): Orla: A book for all your money, with splitting built into it; Splitwise: A shared record of who owes whom, the best known
- Price (Their own pages, this month): Orla: Free forever, no card; Starter $25 or Pro $69 a month; Splitwise: Free with ads; Pro sells “unlimited expenses” and “a totally ad-free experience”, and names no price on its own page
- Where an expense starts (Before the split): Orla: A connected account, split without retyping it; Splitwise: Typed in, or a card import “only in the US”
- After you settle up (Where the money lands): Orla: A real payment in the same book, against the same budget; Splitwise: A balance cleared in the app, the money moves elsewhere
- Everything else (Salary, rent, coins): Orla: Same book, same categories, same reports; Splitwise: Not what it does; shared expenses only
- Groups (A trip, a flat, a family): Orla: Spaces with their own books, and a private personal space; Splitwise: Groups and friends, with default split settings on Pro
- Getting everyone in (Where they win): Orla: Each person signs up, one connects the accounts; Splitwise: Everybody has it already; a trip takes one message

#### 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.

#### 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.

The free plan has no clock on it, and a group space works on it.