Splitwise alternatives for couples

Why couples leave Splitwise

Splitwise was built for groups, and for years its free plan was all a couple needed. In 2023 that changed: the free version now limits how many expenses you can add each day. Splitwise doesn't publish the number; users report three or four. It also shows ads, and Splitwise Pro, which removes the cap, is billed per person: $4.99 a month or $49.99 a year each, so roughly $100 a year for the two of you.

For a couple the cap hurts more than for a group. A trip has a burst of costs and then it's over. A household never stops: rent, groceries, the electric bill, Friday takeout. A Saturday with five small purchases is enough to hit the limit.

What a couple actually needs

• One balance. A single number that says who owes whom and how much, instead of a web of debts between friends.
• Shared and personal expenses. A birthday gift for your partner shouldn't show up in the list you both see.
• Splits that aren't always fifty-fifty. If one of you earns more, splitting by income can feel fairer.
• Fast entry. If logging a coffee takes five taps, you'll stop logging after two weeks.

The alternatives

For a wider comparison, group apps included, see our guide to expense sharing apps.

App	Built for	What's free	Paid
Tricount	trips and groups	everything, with promotions for bunq's bank account	no paid version
Settle Up	groups	everything, with ads	$3.99 a month or $19.99 a year
Splid	trips and groups	one group	one-time purchase of a few dollars
Honeydue	couples (US)	everything	optional tips
DuoWallet	couples	unlimited expenses, balance, even splits	$3.99 a month or $17.99 a year, per couple

Tricount

Owned by the Dutch bank bunq, Tricount is free with no ads and no cap: it makes money by offering bunq's card and account inside the app. It's the closest thing to old Splitwise for groups, and people can join a group from a link without signing up. For a couple's day-to-day spending it's less of a fit, because it thinks in separate groups rather than one household balance.

Settle Up and Splid

Settle Up is a group expense app with ads in the free version; Premium removes them and adds receipt photos and recurring expenses. Splid is simple, works offline, and is free for one group, with a one-time purchase to unlock more. Both are good group tools; neither was designed around two people.

Honeydue

Honeydue is a free budgeting app for couples in the US. It links your bank accounts, lets each partner choose what the other sees, and you can comment on transactions. The concerns are recent: users report bank sync problems and slow support, and its joint banking feature has been closed to new sign-ups since September 2023. If you want automatic bank syncing and you're in the US, it's still worth a look.

DuoWallet

This is the app we build, so read this part with that in mind. It's made for exactly two people: one balance ("Sam owes Alex $127"), expenses marked shared or personal (your partner never sees personal ones, not even in totals), and quick reactions on expenses. The free plan has unlimited expenses and even splits; the paid plan adds custom splits such as 60/40, budgets, recurring subscriptions and receipt scanning. The limits: it doesn't connect to your bank, it isn't for groups of three or more, and each couple uses one currency.

A quick example

Say one of you pays rent, $1,800, and the other covers groceries and utilities, $920. That's $2,720 for the month, or $1,360 each, so the second partner owes the first $440. A couple app shows that $440 on the home screen and clears it when you settle up.

If your incomes differ, half may not feel fair. With take-home pay of $5,000 and $3,500, splitting by income means about $1,600 and $1,120 of the same $2,720. The split bills by income calculator does the math in a minute.

Which one to pick

• A trip with friends: Tricount, which is free and doesn't make anyone create an account to join.
• Roommates: Settle Up or Tricount.
• A couple: an expense sharing app for couples, such as DuoWallet, or Honeydue if bank syncing matters most to you.

More comparisons are in our apps and tools guides.