Splitwise was great in 2018. In 2026, here's what users keep complaining about — and how Monira fixes each one.
Splitwise now caps how many expenses you can add per day unless you pay $3/month. Awful during a trip.
Unlimited expenses. Free. No daily caps, ever.
Free users see persistent banner ads — distracting when you're trying to settle up after dinner.
Zero ads. Forever. We don't even have an ad SDK installed.
If you travel internationally, Splitwise forces you onto Pro for live currency conversion. Painful.
150+ currencies with daily live FX rates — built in, free.
Splitwise's receipt feature stores a photo. It doesn't read items, tax, or tip. You still type everything.
AI receipt scanner: snap → items + tax + tip auto-fill in 2 seconds.
You can't split per dish (lobster vs salad). Charts are minimal. The app is unusable offline — annoying when you're abroad without data.
Item-level splits with auto pro-rated tax/tip, beautiful trip charts, and full offline mode.
Same core power. None of the friction. Verified May 2026.
| Feature | Monira | Splitwise Free | Splitwise Pro |
|---|---|---|---|
| Price | Free | Free | $3/mo |
| Unlimited expenses | ✓ | Daily cap | ✓ |
| No ads | ✓ | ✗ | ✓ |
| Multi-currency live FX | ✓ 150+ | ✗ | ✓ |
| AI receipt scanner | ✓ Free | ✗ | Photo only |
| Item-level splits | ✓ | ✗ | ✗ |
| Offline mode | ✓ | ✗ | ✗ |
| Recurring expenses | ✓ | ✗ | ✓ |
| CSV / PDF export | ✓ | ✗ | ✓ |
| Trip analytics & charts | ✓ Advanced | Basic | Basic |
| iPhone-native (Widgets, Shortcuts) | ✓ | Limited | Limited |
| App Store rating | 4.9 ★ | 4.6 ★ | 4.6 ★ |
Snap any restaurant receipt — Monira reads every line item, the tax, and the tip. Tap who ordered what, and the math is done. The most common review we get: "this alone is worth switching."
An honest ranking of the apps people actually consider when leaving Splitwise.
The most feature-complete free Splitwise alternative for iPhone. AI receipt scanner, multi-currency, item-level splits, beautiful analytics. Zero ads, unlimited expenses.
European favorite owned by Bunq. Fully free, no ads, multi-currency. Great for one-off trips, but no receipt scanner and basic analytics.
Czech-made, clean UI. Free tier exists but limits export and sync. Best for small groups who don't need fancy features.
German-made, very simple, no account required. Limited features but truly frictionless for one-off trips.
A free, open-source web app. Great if you self-host and don't need a polished mobile experience. No iPhone app.
Bring your existing groups and balances. Takes about 2 minutes.
Open your group → Settings → Export as CSV. Splitwise emails you the file.
Tap "New group → Import CSV" and select the file. Members, expenses, and balances come over automatically.
Send a single invite link. They join in seconds — no account creation friction.
"Used Splitwise for 5 years. The ads + the daily limit was the last straw. Monira does everything and more — for free."
"The receipt scanner is the killer feature Splitwise should have built years ago. Switched my whole flat over."
"Multi-currency without paying $3/month? Sold. I travel constantly — this is the only Splitwise alternative that gets it right."
Monira is the highest-rated Splitwise alternative on iPhone in 2026 — free, ad-free, with unlimited expenses, multi-currency, and an AI receipt scanner that Splitwise locks behind Pro.
In 2024 Splitwise added daily caps on free expense additions and increased ad density. Many users now look for a free Splitwise alternative without those limits — Monira, Tricount, and Settle Up are the most popular options.
Yes. Monira is 100% free with no ads, no expense limits, and includes multi-currency and an AI receipt scanner — features Splitwise charges for.
Yes. Export your Splitwise group as CSV and import it into Monira to keep your history and balances intact.
For iPhone, Monira is the most polished native option — it uses iCloud sync, supports Shortcuts, Widgets, and has a native iPad and Mac experience.
The closest apps are Monira, Tricount, Settle Up, and Splid. Monira is the most feature-complete free option in 2026. See full ranking →
Free forever. No ads. Unlimited expenses. AI receipt scanner. 150+ currencies. The Splitwise alternative 28,000+ users actually use every day.
Splitwise® is a registered trademark of Splitwise, Inc. Monira is an independent product and is not affiliated with, endorsed by, or sponsored by Splitwise. Pricing & feature claims accurate as of May 2026.