Splitwise alternative: a free bill splitter with AI receipt scanning
Splitwise made splitting expenses mainstream, but a lot of people are looking for something lighter, cheaper, or faster — especially now that some everyday features sit behind a paywall or a daily limit. If that's you, here's what to look for in an alternative, and how Settlia compares.
What to look for in a Splitwise alternative
A good group-expense app should do four things well:
- Be genuinely free for normal use — not gated behind a limit on how many expenses you can add per day.
- Make entering an expense effortless — typing, dictating, or snapping the receipt.
- Settle in the fewest payments — nobody wants to send five separate transfers.
- Work across devices — everyone in the group sees the same balances in real time.
Where Settlia is different
AI receipt scanning. Point your camera at a receipt and Settlia reads every line item, tax and tip — then splits it exactly how your group consumed it, down to who ordered what. No manual typing.
Say it out loud. "Dinner with Alex and Sam, I paid 90" becomes a split expense automatically. Great for logging on the go before you forget.
Free for up to 3 active groups, with unlimited expenses in each — no per-day cap on adding expenses. Pro unlocks unlimited groups, more AI scans, recurring expenses and exportable reports.
Fewest payments to settle. Instead of everyone paying everyone, Settlia nets it down so each person makes one payment at most, with each person's payment details ready to copy.
Do you have to import your Splitwise history?
No. Most groups are easiest to start fresh — create a group, add the people, and log expenses from today. Old balances can be settled once and closed out in whichever app you were using.
Try it in 30 seconds
Settlia runs in your browser and installs like an app — no download required to start. Create a group, snap a receipt, and see the split. If it clicks, keep going; if not, you've lost 30 seconds.
Try Settlia free