SplitwiseThe global reference, with a heavily limited free plan.
- Price
- ≈ $50/yr (Pro)
- Platforms
- iOSAndroidWeb
Free capped at 3 expenses/day with ads; Pro at $4.99/mo or $49.99/yr.
Comparison
Splitwise vs CountClub: the full comparison (2026)
Splitwise has limited its free plan (3 expenses/day, ads). CountClub is entirely free. We compared 45 features, the real cost and the experience.
Splitwise4.3/10
vs
CountClub9.0/10
In short
Splitwise remains the global reference, rich in features, but its free plan is now capped at around 3 expenses per day, with ads, and many features (unlimited expenses, multi-currency, debt simplification, search, receipt scanning, charts) are Splitwise Pro only ($4.99/mo, $49.99/yr). CountClub offers most of these for free and ad-free, plus exclusives (automatic reminders, payment methods, multiple payers, group closing). Splitwise keeps the edge on item-level OCR scanning, persistent friends across groups and broad language coverage. And since CountClub imports Splitwise files, switching costs nothing.
The facts
- Splitwise's free plan is capped at around 3 expenses per day and shows ads.
- Splitwise Pro costs $4.99 per month or $49.99 per year.
- Unlimited expenses, multi-currency, debt simplification and receipt scanning are Splitwise Pro only.
- CountClub is free and ad-free: no feature is locked behind a paid plan.
- CountClub adds automatic reminders, payment methods, multiple payers per expense and group closing.
- CountClub imports Splitwise export files, so switching does not require re-entering everything.
Both apps at a glance
Splitwise
CountClub100% free expense splitting, no ads.
- Price
- Free
- Platforms
- iOSAndroid
All features unlocked, no ads, no limits.
Full feature comparison
45 features compared, weighted by importance. Verified, dated data.
LegendIncluded, free€PaidNot available
| Feature | Splitwise | CountClub |
|---|---|---|
| Balances & settle-up planWho owes what, and who pays whom: it's all worked out for you, no math by hand | Included, free | Included, free |
| Debt simplificationThe fewest transfers to settle up: less back-and-forth, everyone squares up fast | €Paid | Included, free |
| Multi-currency conversionEveryone pays in their currency, balances land right in one, zero hassle abroad | €Paid | Included, free |
| Expense searchFind any expense by typing a word or two, even in a long list | €Paid | Included, free |
| Offline mode & syncAdd expenses even with no signal; everything syncs the moment you're back online | Included, free | Included, free |
| Automatic payment remindersStop chasing friends: the app sends the payment nudges for you | Not available | Included, free |
| CSV / PDF exportGrab all your accounts as CSV or PDF, for your records or a spreadsheet: free here | €Paid | Included, free |
| Unlimited expensesLog as many expenses as you like, never hitting a paywall | €Paid | Included, free |
| Receipt photoSnap the receipt and keep the proof right where it belongs, never lost | Included, free | Included, free |
| Voice expensesDictate the expense and it pre-fills itself: amount, description, participants and payer | Not available | Included, free |
| Shared listsGroceries, planning, to-dos: shared lists in the group, ticked off in real time | Not available | Included, free |
| Per-group share linkSend one link and friends join the group in a tap, no account needed | Included, free | Included, free |
| Multilingual (FR / EN)The app speaks French and English: everyone uses it in their own language, mixed groups included | Included, free | Included, free |
| Full action historySee who added or changed what, and when: no more doubts about the group's numbers | Included, free | Included, free |
| No adsNo ads, ever: a clean app where nothing gets in the way of your accounts | €Paid | Included, free |
| Show how to get paid (IBAN, PayPal…)Show your IBAN, Wero or PayPal so others can pay you back in seconds | Not available | Included, free |
| Per-member balance detailA member's page: their detailed balance and every expense, so you grasp it all at a glance | Not available | Included, free |
| Expense import (CSV)Start from a file you already have: import expenses from CSV without retyping | Not available | Included, free |
| Fine-grained notificationsPick exactly what pings you: stay on top of the group without notification overload | Included, free | Included, free |
| Automatic expense emojiThe app picks the right emoji for each expense: an easier-to-read list, effortlessly | Not available | Included, free |
| Fun phrases & accountsPlayful touches and cheeky messages that make splitting expenses feel less like a chore | Not available | Included, free |
| Split by equal, shares, % and amountsSplit equally, by shares, by percentage or exact amounts: every situation has its rule | Included, free | Included, free |
| Share QR codeA QR code to scan and people next to you join the group on the spot, no link to type | Included, free | Included, free |
| Quick sign-in (Google, Apple, Face ID)Sign in with one tap via Google, Apple or Face ID: no password to remember | Not available | Included, free |
| Scheduled group closingSet an end date and the group freezes on its own: the accounts are settled once and for all | Not available | Included, free |
| Regenerate the invite linkLink leaked? Generate a fresh one and stay in control of who can join | Included, free | Included, free |
| Independent publisher (not a bank)An independent publisher, not a bank: no one's nudging you to open an account on the side | Included, free | Included, free |
| Coach Léon (AI assistant)Ask questions about the group (who owes what, who pays…) and the AI answers, still in beta | Not available | Included, free |
| Web version in the browserPick up the accounts on a computer when typing on a phone gets tedious | Included, free | Not available |
| Custom categoriesCreate your own expense labels and file the group's accounts your way | Not available | Included, free |
| Multiple payers on one expenseTwo people footed the same bill? Record who paid what, no need to split the expense in two | Not available | Included, free |
| Receipt OCR scan (line items)Scan the receipt, the app reads the line items for you: free here, paid on Splitwise | €Paid | Included, free |
| Stats & chartsClear charts to see where the group's money goes and spot the big spending | €Paid | Included, free |
| Recurring expensesRent, subscriptions, bills: the expenses that come back every month create themselves | Included, free | Not available |
| Emoji customisationSwap any expense emoji to your liking for a list that's yours and easy to skim | Not available | Included, free |
| Referral programmeInvite your friends and earn perks when they join the app too | Not available | Included, free |
| Shared member (couple / joint account)A couple counts as one member: a shared balance, yet each person gets their own reminders | Not available | Included, free |
| Merge debts between membersSomeone covering another's debt? Move it onto them and keep the balances accurate | Not available | Included, free |
| GDPR account deletionLeave whenever you want: delete your account and data in a few taps, as the law requires | Included, free | Included, free |
| Persistent friends across groupsA friends list that follows you from group to group, so you re-invite them without searching | Included, free | Not available |
| Loyalty programme“Le Club”: rack up points by referring friends and unlock perks along the way | Not available | Included, free |
| Light / dark themeA dark mode to spare your eyes at night and match your phone's theme | Not available | Not available |
What it really costs
Splitwise≈ $50/yr (Pro)
Free capped at 3 expenses/day with ads; Pro at $4.99/mo or $49.99/yr.
CountClubFree
All features unlocked, no ads, no limits.
This is where it's decided. Splitwise is free… up to about 3 expenses per day, with ads. To use it unlimited and ad-free, you need Splitwise Pro: $4.99/mo or $49.99/yr. CountClub unlocks the equivalent (unlimited expenses, multi-currency, debt simplification, search, export) for free. Over a year, that's ≈ $50 saved.
Strengths and limitations
SplitwiseStrengths
- Very feature-rich (on Pro), a global reference
- Item-level receipt OCR scanning
- Persistent friends: long-running balances between the same people
- Web + mobile apps and broad language coverage
Limitations
- Free plan capped at ~3 expenses per day
- Ads on the free plan
- Key features paywalled (≈ $50/yr): unlimited, multi-currency, simplification, search, export
- Primarily built for the English-speaking market
CountClubStrengths
- 100% free, no ads, no expense limits
- Free unlocks what Splitwise charges for (unlimited, multi-currency, simplification, search, export)
- Exclusives: auto reminders, payment methods, multiple payers, closing, debt merging
- Splitwise-format CSV import to migrate in minutes
- Playful touches that make you smile: confetti, animations and Coach Léon 🐷
Limitations
- No item-level OCR scanning
- No persistent friends across groups
- French and English only
- Mobile only (iOS/Android), no web app
Which app for which use?
Group trips
CountClubOur pick
Free multi-currency and unlimited expenses, where Splitwise charges or limits them.
Flatshare
CountClubOur pick
No expense limits and no ads for a flatshare's daily flow.
Couples
CountClubOur pick
Debt merging and payment methods to settle up easily as a couple.
Nights out & dining
SplitwiseOur pick
If your crew keeps long-running balances and wants item-level OCR, Splitwise stays handy.
FAQ
Frequently asked questions
The verdict
Splitwise remains an excellent app if you keep long-running balances with the same friends, want item-level OCR scanning or broad language coverage. Provided you accept ads or pay ≈ $50/yr for Pro.
If you just want to split expenses with no limits, no ads and no payment, CountClub does the essentials for free and adds features Splitwise lacks: automatic reminders, payment methods, multiple payers. And since CountClub imports Splitwise files, switching costs nothing.
Our recommendation: import your latest Splitwise into CountClub and compare for yourself.
Methodology & sources
Each feature is scored by importance, from hands-on testing and dated public sources. Comparison edited by the CountClub team.
Try CountClub, it's free.
Download the app, create your first count, share the link. No ads, no limits.