| Feature | Owely | Splitwise free | Splitwise Pro |
|---|---|---|---|
| Price | Free | Free | Subscription, monthly or yearly |
| Expenses you can add | Unlimited | Up to 4 a day | Unlimited |
| Ads | None | Yes | None |
| Platforms | iPhone, Android | iPhone, Android, web | iPhone, Android, web |
| Sign-in | Email code, no password | Account | Account |
| Ways to split | Equal, exact, %, shares, adjustments | Equal, exact, %, shares | Equal, exact, %, shares |
| Simplified debts | Yes | Yes | Yes |
| Receipt photos | Yes | Pro only | Yes, with scanning and itemizing |
| Trip budget | Yes | Not stated | Charts and budgeting tools |
| Recurring expenses | No | Yes | Yes |
| Offline entry | No | Yes | Yes |
| Currency conversion | Yes, free, at the daily rate | Pro only | Yes |
| Payment integrations | No | Venmo and PayPal (US), Paytm (India) | Venmo and PayPal (US), Paytm (India) |
Sources: What is Splitwise Pro? (Splitwise knowledge base), Splitwise Pro (splitwise.com), Splitwise on the App Store (US).
Where Owely is better
- No daily limit. Add a whole trip’s receipts in one evening. Splitwise’s free plan stops at 4 expenses a day.
- No ads and no subscription. Everything in Owely is free for everyone in the group.
- Receipt photos for free. Attach a photo of the bill to any expense; on Splitwise, receipt storage is part of Pro.
- A trip budget. Set a budget for the group and see spending by category against it.
- Adjustments. Split evenly and add an extra for the person who ordered more, without working out everyone’s exact amount.
- No password. Sign in with a one-time code sent to your email.
Where Splitwise is better
- A web app, as well as iPhone and Android.
- Recurring expenses for rent and subscriptions, on the free plan.
- Offline entry and more than 100 currencies, with conversion on Pro.
- Receipt scanning and itemizing on Pro.
- Payment integrations with Venmo and PayPal in the US and Paytm in India.
- A long track record, so your friends may already have it.
Who should stay on Splitwise
Stay if your group rarely adds more than 4 expenses in a day and the ads do not bother you, if someone in the group needs to use a browser, if you rely on recurring bills, or if you pay for Pro for receipt scanning. Owely does not do those things, and switching would cost you more than it saves.
Who should switch to Owely
Switch if the daily limit keeps stopping you, if you do not want to pay a subscription to track who owes whom, or if your group mostly needs the basics done well: add an expense, split it fairly, see the balance and settle up.
Moving a group from Splitwise to Owely
- Settle up in Splitwise so everyone starts at zero. Owely does not import Splitwise data.
- Create a group in Owely and pick the currency you use.
- Share the invite link. Friends install Owely, sign in with their email and join.
- Add new expenses in Owely from then on.
Sources
Each source was read on 25 October 2026. Prices and plans change, so check the app store before you pay for anything.
- What is Splitwise Pro? (Splitwise knowledge base)
- Why am I seeing an expense limit? (Splitwise help)
- Splitwise Pro (splitwise.com)
- Splitwise on the App Store (US)