If you’re looking for a Splitwise alternative, the honest answer is that it depends on what you split. Splitwise is a mature, well-known app for keeping a running tab across a group: rent, bills, trips and nights out, with balances, debt simplification, currency conversion and a web version. Chit is a new app, not yet released, that does one narrower job: splitting a long shopping receipt line by line, read on your phone, with everyone checking the original. This page compares the two as fairly as we can. Facts about Splitwise were checked on 25 October 2026 from its own website, help centre and UK App Store listing.
At a glance
| Splitwise | Chit | |
|---|---|---|
| Price | Free tier with a daily limit; Splitwise Pro is a subscription (the UK App Store lists Pro at £2.79 to £47.99, depending on plan) | Scanning, splitting, sharing and confirming are free |
| Free tier limits | Up to 4 expenses a day; Pro removes the limit and ads | No daily expense limit; no ads |
| Receipt scanning | Pro feature; uses third-party OCR services, with receipt images stored in the cloud | Free; read on your phone, with no upload |
| Itemised splitting | Pro feature: scanned items can be assigned to people | Every receipt: evenly, by item with shares, or set amounts |
| Total check | Not mentioned | Lines are added up against the printed total |
| Group balances and debt simplification | Yes, across groups and friendships | Running balance with each person; no groups yet |
| Currency conversion | Pro feature; many currencies supported | Not available |
| Offline | Offline entry, synced later | Reading and splitting work offline |
| Account | Sign-up; friends can be added by name and invited later | None for personal use; needed to send receipts to others |
| Payments | Splitwise Pay, PayPal and Venmo in the US; Pay by Bank in the UK and some European countries | None; Chit never handles money |
| Platforms | iPhone, Android and web | iPhone and Android (coming soon) |
| Track record | Long established, widely used | New |
Where Splitwise is the better choice
Splitwise is built for an ongoing tab between many people, and it does that well.
- Groups and debt simplification. You can keep separate groups for the flat, a holiday and a sports club, see balances across all of them, and let “simplify debts” reduce the number of payments needed to settle a group. Chit keeps a balance with each person but has no groups yet.
- Bills that aren’t receipts. Rent, utilities, recurring bills, a taxi you paid for: Splitwise handles any amount, with splits by percentage, shares or exact amounts, multiple payers, comments and an edit history.
- Travel in several currencies. Splitwise supports many currencies, and Pro converts a whole group into one currency. Chit has no currency conversion.
- Web access and export. Splitwise works in a browser as well as on phones, and can export to a spreadsheet. Chit has no web version or CSV export.
- Settling up in the app. In the UK, Splitwise offers Pay by Bank for bank-to-bank transfers between UK users in pounds. Chit only records repayments; you pay each other however you usually do.
- Years of use. Splitwise has a long track record and a large user base. Chit is new and hasn’t been released yet.
If your group mostly logs single amounts and wants one place for every shared cost, Splitwise is likely the better fit.
Where Chit fits better
Chit is designed for the shared shop: a supermarket receipt with thirty lines, where splitting evenly isn’t fair and typing it in by hand is the slow part.
- Free on-device receipt scanning. Chit reads each line on your phone, with no upload, so it works offline. Short codes like
WHL MLK 4PTbecome readable names. In Splitwise, receipt scanning and itemising are part of Pro. See how Chit reads receipts. - Itemised receipt splitting as the default. Tap a person on a line to give it to them, tap several to share it, or give someone extra shares such as 2:1. Discounts follow the item they belong to, bag and service charges are split in proportion, and everything is worked out in whole pennies. See splitting by item.
- A total check. Chit adds up the lines against the printed total and points to the line to look at if they don’t match.
- Long receipts in sections. A receipt too long for one photo can be shot in overlapping parts without counting lines twice.
- Everyone checks the original. People on a receipt see the photo and every line, then confirm their share or comment on a single line. See how everyone confirms.
- No account to start. You can use Chit on your own without an account. An account is needed to send a receipt to others; friends without the app can get a share image showing only their part.
- Prices over time. Because every line is kept, Chit can show how the price of an item changes at a shop.
On privacy, the two work differently. Splitwise, Inc. is based in the US and says it processes data in the US and other countries; its privacy policy lists receipt scanning and OCR services among its vendors. In Chit, receipts are read on the phone, and without an account nothing leaves it. With an account, data is stored on a server in London and a receipt’s photos are uploaded only when you send that receipt to others. See the privacy policy.
Can you use both?
Yes, and for some households that’s the most practical setup. Use Chit to split the weekly shop line by line and agree who had what, then add each person’s total to your Splitwise group as a single expense, alongside rent and bills. Splitwise keeps the overall tab and simplifies the payments; Chit handles the receipt detail that a single amount can’t show.
If you’re new to Chit, what Chit is and how it works is a good place to start, or browse all guides.
Sources
Splitwise facts checked on 25 October 2026. Features and prices can change, so check the current details with Splitwise before you decide.
- Splitwise home page (platforms)
- Splitwise Pro (Pro features, ad-free)
- What is Splitwise Pro? (4 expenses a day on the free tier)
- Why am I seeing an expense limit?
- Splitwise on the UK App Store (Pro prices, OCR itemising, offline entry, features)
- Multiple currencies (conversion is a Pro feature)
- What is simplify debts?
- Adding a friend without contact details
- How do I send money to someone on Splitwise? (Pay by Bank, US options)
- How do I set up Splitwise Pay? (US only)
- Splitwise privacy policy (updated 26 May 2026)
Splitwise is a trademark of its owner. Chit is not affiliated with, endorsed by or sponsored by Splitwise.