A working expense splitter built from research on Splitwise and seven rival apps — with the full comparison below. It keeps Splitwise's maths, copies Tricount's zero-friction flow, and settles the Pakistani way: cash, JazzCash, Easypaisa or Raast.
Research checked 8 November 2026 · Prices and free-tier limits in this category change often — hedges are kept with every figure.
This splitter is a ledger, like Splitwise: it records who owes whom. Money itself moves outside the app — in cash, or in the JazzCash, Easypaisa, Raast or bank app you already use — and you tap “Mark as settled” here.
A visible history is deliberate: Splitwise's most common trust complaint is that anyone can silently edit or delete an expense. Here, every add, edit, delete and settlement is logged.
Amount first, equal split by default — done in three taps.
Record a payment made outside the app. Partial payments are fine — the amount is pre-filled with the full balance but editable.
Splitwise is still the reference product — the most complete splitter, with groups, every split type, debt simplification, recurring bills and 100+ currencies. But its free tier is now the most restricted of the major apps, and that single fact shaped this design more than any feature list.
FreeUp to 4 expenses per day (official help-centre figure — some users and regions report 2, 3 or 5; the cap varies by account/region and has changed over time), ads throughout, and a ~10-second cooldown between entries. Receipt scanning, currency conversion, charts, expense search and default splits are all Pro-only.
ProThere is no single published price. Splitwise's Pro page lists features but shows no price. US App Store in-app purchases are listed at $2.99, $3.99, $4.99, $29.99 and $39.99 (Oct 2026, not mapped to plans); reviewers report roughly $4.99/month or $39.99–$49.99/year, and about ₹999/year in India. These are US reports — they are not PKR prices, and Splitwise's exact Pro price in Pakistan could not be verified.
The daily cap is the #1 complaint in 2025–26 reviews (“makes the free version useless” is a recurring phrase). On trips it bites hard: 73% of groups have at least one day with 5+ expenses (Banana Split, from 183,000 groups). Ratings underline the split opinion: the Google Play listing in the photo sent with this request shows 4.7★ from 193K reviews and 10M+ downloads, while Locals Insider reports ~4.5★ from 193,000+ reviews — store ratings drift over time; Trustpilot sits at 2.0/5 from 72 reviews. Sources: splitwise.com/pro, Banana Split comparison, Trustpilot.
Seven apps were compared in detail. The app above is deliberately a remix: Splitwise's maths, Tricount's onboarding, Tab's settle-up thinking, Spliit's no-account model.
| App | Best at | Pricing | Idea borrowed here |
|---|---|---|---|
| Tricount | Zero friction: no sign-up, join by link, offline entry, free currency conversion, up to 50 people per group. No web version, no recurring expenses, one payer per expense. | FreeNo ads, no limits, no paid tier (owned by bunq since 2022). | “Free. No ads. No limits.” — the onboarding and pricing model to copy. |
| Settle Up | Most capable free tier: several payers per expense, all currencies with live rates, offline, CSV export, web access for non-members. Fullscreen ad after every 3rd expense; busier UI. | Freewith ads · Premium $3.99/mo or $19.99/yr, or $39.99 once per group. | Weighted members (a couple counts as 2) — here, the Shares split — and web access without installing anything. |
| Splid | Offline-first travel splitting: no sign-up (join by code), no participant limit, 150+ currencies auto-converted, PDF export. No web version. | Free· one-off $2.99 (2 groups) / $3.99 (Splid Plus) — no subscription. | “Works perfectly offline” and join-by-code simplicity; multiple payers on one expense. |
| Tab / Tabby | Restaurant bills only: photograph the receipt, each person taps their own items via a link, tax and tip split proportionally. No groups, no running balances, no multi-currency. | Free(Tab: 4.2★, ~1,100 App Store ratings). | Settle-up should deep-link to the payment app people already use — pointed at local rails here, not a new wallet. |
| Spliit | Privacy and no lock-in: open source (MIT), self-hostable, no account, no ads, no tracking; 86,000+ groups; equal/shares/%/exact splits and CSV export. No Android app, no offline entry, link acts as the password. | Free foreverdonations. | The architecture: link-based groups and “pick who you are” identity — “No ads. No account. Open Source. Forever Free.” |
| Kittysplit | Browser-only groups: create a “kitty”, share the link, nobody installs anything; unlimited expenses free. Free tier caps groups at 9 people; multi-currency needs Super Kitty. | Free· Super Kitty $2.99/€2.99 once per group. | A pure-web group that works straight from a chat link — the model for a mobile-style web app. |
| Venmo · Zelle · Cash App | Moving money in the US — none of them splits expenses, keeps group balances, or simplifies debts. | Freestandard transfers · US-only: all require a US bank account and phone number. | Zelle's lesson: live inside the banking app people already have. In Pakistan that means Raast, JazzCash and Easypaisa — not a new wallet. |
Comparison sources: Banana Split (read 21 Oct 2026), Spliit App Store metadata, Tabby, Venmo/Zelle international limits. Tricount's claimed 20M+ users is the company's own figure and is not independently verified.
The best apps finish an equal split in about three taps: amount and description, participants (pre-filled from the group), save — with equal split as the default so step two is often just “confirm”. Try it with the + button above.
Instead of everyone paying everyone, net balances are matched largest-debtor to largest-creditor, so a group of N people always settles in at most N−1 payments. It never changes anyone's total — only who pays whom — which is why you may be asked to pay someone you never directly shared an expense with. That plan is at the top of the Home tab above, and tapping any row opens Settle up pre-filled.
Every ledger app in this comparison tracks PKR fine (Splitwise covers 100+ currencies; Settle Up and Splid 150+) — but none of them moves money in Pakistan. Splitwise's payment rails are Venmo/PayPal (US) and Paytm (India) only, and Venmo, Zelle and Cash App are US-only by design. So the correct local design is ledger-only, exactly like the app above:
Raast — the State Bank of Pakistan's instant system — is free for end users by SBP rule, lands within seconds (≤20s), works 24/7 by IBAN or mobile-number Raast ID, and had ~47 million users by mid-2025, with 603 million transfers worth PKR 15.7 trillion in Oct–Dec 2025 alone. JazzCash (40M+ accounts) and Easypaisa (30M+ accounts, 170,000+ agents) cover most of the rest, in a country where credit-card penetration is under 5%. All five methods — Cash, JazzCash, Easypaisa, Raast, Bank — are chips in the Settle up sheet above.
Local ledger apps — DigiKhata, Udhaar.pk, Oscar Udhaar — prove the mental model Pakistani users already trust: “You Gave / You Got”, a running balance, and reminders over WhatsApp and SMS. But they are one-to-many shop credit books: no groups, no split types, no simplify-debts. A group splitter that speaks khata language — plain “You owe / You get back”, a copyable WhatsApp summary, no account needed — fills exactly that gap. A student-built PKR splitter for hostel life, BillSplitPK (Devpost, Oct 2026), points the same way, though it is a demo, not a maintained product.
Ranked by how often each item appears in 2025–26 reviews, comparisons and “why I switched” threads. The first thing users demand is not a feature at all — it's the absence of friction on the core action.
The splitter above runs entirely in this page — entries live for this session only, so download the CSV before closing if you need to keep them. Research snapshot: 8 November 2026.