Splid vs Splitwise
A pay-once, works-offline splitter against the subscription incumbent everyone already knows.
The short answer
Splid and Splitwise split bills equally well; they differ in philosophy. Splid needs no account, works fully offline, converts about 150 currencies for free, and charges a single one-time unlock (around $5 as of August 2026) instead of a subscription. Splitwise requires an account but rewards it with cloud sync, a real web app, recurring expenses, and cross-group debt simplification, with a free tier capped at a few expense adds per day and Pro at roughly $40 to $50 a year. Pick Splid for trips, especially abroad. Pick Splitwise for ongoing shared living. If you also want the split tied to a personal budget, CashWise is a third option.
Splid is the splitter for people who hate signing up for things. Open the app, name the group, start adding expenses. No account, no email, no connection required, and the whole ledger lives on your phone until you choose to share it. It handles roughly 150 currencies with automatic conversion, exports clean PDF and Excel summaries, and monetizes with a single one-time unlock instead of a subscription.
Splitwise is the opposite bet: that your shared expenses are a long-term dataset worth an account. Balances sync across iOS, Android, and the web, recurring rent posts itself every month, and its simplify-debts algorithm collapses tangled IOUs into the fewest payments. The trade-off arrived in recent years as free-tier limits and ads, with the good stuff moving behind Splitwise Pro. Which model fits depends almost entirely on how long your group will exist.
| Feature | Splid | Splitwise |
|---|---|---|
| Price model | Free core; one-time unlock ~$5 | Free with limits; Pro ~$40–50/yr |
| Account required | No | Yes |
| Works offline | Fully | Needs a connection to sync |
| Web app | ||
| Platforms | iOS and Android | iOS, Android, and web |
| Currency conversion | ~150 currencies, automatic, free | Requires Pro |
| Recurring expenses | ||
| Debt simplification | Within a group | Within and across groups |
| Export | PDF and Excel | Spreadsheet export |
| Free-tier friction | Some extras behind the unlock | A few expense adds per day, with ads |
| Moves money |
Price model
Account required
Works offline
Web app
Platforms
Currency conversion
Recurring expenses
Debt simplification
Export
Free-tier friction
Moves money
No account means the awkward part of every group app, getting eight people to sign up, simply doesn't exist. Hand the phone around at dinner or share the group directly. Your expense history isn't sitting in a cloud profile tied to your email, which some people genuinely care about.
Splid was clearly designed on a trip. It works with no signal on a Croatian ferry or in a Tokyo basement izakaya, and its automatic conversion across roughly 150 currencies costs nothing. In Splitwise, currency conversion is a Pro feature; in Splid it's just how the app works.
The core flow is free, and the full unlock is a single purchase of about $5 as of August 2026. No renewal, no daily caps timed to hit mid-trip. For an app you might only need twice a year, one-time pricing is the honest model.
Splitwise balances follow your account everywhere, including a full browser version. That matters for shared living: typing March's utility breakdown on a laptop beats thumbing it into a phone, and nobody loses the ledger when they switch phones. Splid has no web app at all.
Recurring rent, monthly internet, a rotating grocery run. Splitwise automates repeat expenses and keeps multi-year balance histories tidy, and its debt simplification works across your groups and friendships, not just inside one trip's ledger.
"I'll add it to Splitwise" needs no explanation in most friend groups. That ubiquity means less onboarding, more accurate ledgers, and a decade of polish on edge cases like unequal splits, percentages, and itemized bills.
A week in Portugal, a bachelorette weekend, a festival house: Splid is the better tool. It starts instantly with no signups, keeps working with no signal, converts currencies for free, and closes out with a clean PDF everyone can keep. Paying about $5 once beats subscribing to anything for a single trip.
Roommates, couples splitting finances, and friend groups with permanent running balances get more from Splitwise. Recurring expenses, web access, and account-backed sync are worth real money over a year of shared rent, and if you're adding expenses daily, Pro (roughly $40 to $50 a year as of August 2026) removes the caps and ads.
Will this group still exist in three months? If no, Splid. If yes, Splitwise. Ledger lifespan, not features, is the real dividing line between these two.
Splid and Splitwise are both pure splitters. They can tell you that you owe the group $140; neither can tell you whether paying it breaks your month, because neither one ever sees your bank account.
CashWise, our app, combines the two halves. Personal budgeting connects to your bank read-only via Plaid (12,000+ institutions) and maintains a live safe-to-spend number, with AI spending insights and subscription tracking on top. GroupVault handles the shared side: a ledger of who paid what that settles through Venmo, Cash App, or Zelle and never holds anyone's money. Front the beach house deposit and your own budget updates in the same moment.
Joining GroupVaults and tracking your payments is free. Pro, which unlocks bank sync, safe-to-spend, AI insights, and creating vaults, runs $9.99/month or $78/year. CashWise is newly launched, so expect a product that's evolving fast.
| Feature | Splid | Splitwise | CashWise |
|---|---|---|---|
| Group expense splitting | |||
| Account required | No | Yes | Yes, free |
| Personal budgeting | |||
| Bank sync | Plaid, 12,000+ institutions | ||
| Settlement | Tracked manually | Tracked; links to Venmo/PayPal | Via Venmo, Cash App, or Zelle |
| Price | One-time unlock ~$5 | Pro ~$40–50/yr | Free to join vaults; Pro $9.99/mo or $78/yr |
Group expense splitting
Account required
Personal budgeting
Bank sync
Settlement
Price
The core experience is free and usable without an account. A one-time in-app purchase, listed around $4.99 as of August 2026 (Splid has signaled the price may rise), unlocks extras like unlimited groups and PDF/Excel export. There is no subscription.
No account and no connection required. Groups live on your device and work fully offline; you only need internet if you choose to share a group so others can add expenses from their own phones.
Usually Splid. It works offline where roaming is spotty and converts about 150 currencies automatically at no cost. In Splitwise, currency conversion requires Pro, and the free tier's daily expense cap tends to bite mid-trip.
No. Both are ledgers: they calculate who owes whom, and you settle by cash, bank transfer, or a payment app, then mark it paid. Splitwise can link out to Venmo or PayPal in the US to make that handoff easier.
Splitwise yes: it has a full web app alongside iOS and Android. Splid is mobile-only, though it can export PDF and Excel summaries you can open anywhere.
Competitor pricing and features referenced on this page are accurate to the best of our knowledge as of August 2026 and may change. Always confirm on the competitor's own site.