Is Splitwise Free? The 2026 Free-Tier Limits, Explained
Splitwise still has a free plan — but it changed. Here's exactly what the free tier limits in 2026, what Pro costs, and free alternatives if the caps don't work for you.
Short answer: Splitwise is still free to use, but the free tier is more limited than it used to be. If you split a few expenses now and then, it's fine. If you're tracking a busy group trip, you'll likely hit the caps. Here's the detail.
What the free tier limits
The biggest change is a cap on how many expenses you can add per day on the free plan. Once you hit it, you're blocked from adding more until the next day. For a quiet month that's invisible; on a trip where you're logging ten things a day, it gets in the way fast.
On top of that, the free experience includes:
- Ads shown between screens.
- Prompts to upgrade to the paid Pro plan.
- The long-standing requirement that everyone in the group creates an account.
What Splitwise Pro costs
Splitwise Pro is a subscription (around $4.99/month, with annual pricing available) that removes the daily limit and ads and adds features like receipt scanning, charts, and currency conversion.
The key thing to understand: several features people assume are standard — like receipt scanning and currency conversion — sit behind Pro, not in the free tier.
Is it worth paying for?
If Splitwise is where your group already lives and you split expenses frequently, Pro is reasonably priced and removes the friction. If you only need it occasionally, or you object to paying a subscription for something that used to be free, it's worth looking at alternatives.
Free alternatives without the caps
Several apps offer unlimited free splitting:
- SuperSplit — multi-currency splitting and receipt scanning without a subscription, built for group trips.
- Tricount — free and unlimited, and guests don't need an account.
- Splid — free, offline-friendly, with 150+ currencies.
We compare all of them in detail in our best Splitwise alternatives guide.
Frequently asked questions
Is Splitwise still free in 2026?
Yes, there's a free plan — but it caps how many expenses you can add per day, shows ads, and keeps features like receipt scanning and currency conversion behind the paid Pro plan.
How much is Splitwise Pro?
Around $4.99/month, with annual options. It removes the daily limit and ads and unlocks receipt scanning and currency conversion.
What's a free Splitwise alternative without daily limits?
SuperSplit, Tricount, and Splid all let you split expenses without the daily cap — and Tricount and Splid don't require guests to create accounts.
Hitting the daily limit? SuperSplit has no per-day cap — split, scan receipts, and settle up across currencies. Free to start.
Split expenses effortlessly