Comparison

Splitwise vs Goodbudget Budget Planner

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

Splitwise

Easily track shared expenses with friends and family, eliminating the stress of who owes whom. Organize group bills for households, trips, and more with a simple, intuitive interface. Supports multiple currencies and payment integrations.

Highlights
  • Create groups or private friendships
  • Add expenses in any currency
  • Simplify debts into repayment plans
  • Split expenses equally or unequally
  • Record cash payments or use integrations
  • Recurring bills
  • Export to CSV
Features
Read full description

Splitwise is the easiest way to share expenses with friends and family and stop stressing about “who owes who”. Millions of people around the world use Splitwise to organize group bills for households, trips, and more. Our mission is to reduce the stress and awkwardness that money places on our most important relationships. Splitwise is great for: - Roommates splitting rent and apartment bills - Group trips around the world - Splitting a vacation house for skiing or at the beach - Weddings and bachelor/bachelorette parties - Couples sharing relationship costs - Friends and co-workers who go out to lunch or dinner together frequently - Loans and IOUS between friends - And so much more Splitwise is simple to use: - Create groups or private friendships for any splitting situation - Add expenses, IOUs, or informal debts in any currency, with support for offline entry - Expenses are backed up online so everyone can log in, view their balances, and add expenses - Keep track of who should pay next, or settle up by recording cash payments or using our integrations We also have powerful features that can handle almost any money sharing situation. Here are some of our industry-leading features: - Multi-platform support for smartphones and web - Simplify debts into the easiest repayment plan - Expense categorization - Calculate group totals - Export to CSV - Comment directly on expenses - Split expenses equally or unequally by percentages, shares, or exact amounts - Add informal debts and IOUs - Create bills that reccur monthly, weekly, yearly, fortnightly - Add multiple payers on a single expense - See total balances with a person across multiple groups and private expenses - Custom user avatars - Cover photos for groups - Activity feed and push notifications help you stay on top of changes - View your edit history for changes to an expense - Any deleted group or bill can be restored easily - World-class customer support - Pay back using our integrated payments: Venmo and PayPal (US only), Paytm (India only) - 100+ currencies and growing - 7+ supported languages Endorsements: “Makes it easy to split everything from your dinner bill to rent.” - NY Times "Fundamental for tracking finances. As good as WhatsApp for containing awkwardness." – The Financial Times “I never fight with roommates over bills because of this genius expense-splitting app”- Business Insider “The Single Best App You Can Download for Group Trips of Any Kind” - Thrillist “Life Changing! I don’t review many things, but this app has seriously improved my quality of life. It has saved my sanity when it comes to splitting utilities, mortgage, groceries, dog expenses...the list goes on. No more saving receipts, making spreadsheets, and manually calculating each month. So handy for group trips/weekends, too! THANK YOU!!” – Courtney via the App Store We offer in-app purchases for “Splitwise Pro”, the benefits of which are described below. The subscription amount will be charged to your App Store account and will vary by plan and country. You’ll see the total price before completing your first payment. If you don’t choose to purchase “Splitwise Pro”, you can continue using Splitwise for free. Premium Subscription Service “Splitwise Pro”: 1. Store high-resolution receipts in the cloud (10GB cloud storage) 2. OCR integration for scanning and itemizing receipts 3. Backups to JSON, downloadable from our website 4. Convert expenses to different currencies using our Open Exchange Rates integration 5. Access to “spending by category” budgeting tools and other charts 6. Search full expense history “Splitwise Pro” subscriptions purchased in-app renew monthly or yearly depending on your plan. Plan pricing may vary by country. To avoid renewal, you must turn off auto-renew at least 24 hours before your subscription ends. You can turn off auto-renew at any time by visiting the App Store. Terms of Service and Privacy Policy: https://www.splitwise.com/terms

About

Goodbudget Budget Planner

This app helps you manage your finances and plan your spending using a virtual envelope system. Track expenses, monitor debt, and gain insights with helpful reports. Share your budget with family or friends across multiple devices.

Highlights
  • Virtual envelope budgeting
  • Shared budgets
  • Expense tracking
  • Debt payoff tracking
  • Insightful financial reports
  • Automatic cloud backup
  • CSV transaction export
Features
Currently charting
Read full description

Goodbudget is a personal finance app perfect for budget planning, debt tracking, and money management. Share your budget and data across multiple phones (and the web!). MANAGE MONEY WITH PEOPLE YOU LOVE Goodbudget is perfect for sharing a budget with a spouse, family member, or friend because your budget is backed up. Share your budget across multiple devices including iPhones, other smartphones, and the web. * Transactions get backed up to the cloud and are accessible from other devices, including Goodbudget's web app! * Stay on the same page about finances with those close to you * Your data is automatically and securely backed up to Goodbudget's website * Download transactions to CSV (on website) INSIGHTFUL REPORTS Goodbudget helps you make sense of your budgeting and spending with in-app reports. * Know how to modify your budget after analyzing reports * Spending by envelope report (cool-looking pie chart!) * Income vs spending report * Debt progress report (track your payoff!) * Even more reports on the web A PROVEN SYSTEM Goodbudget is based on the envelope budgeting method. But with no physical envelopes...only virtual envelopes! * Check envelopes balances (aka how much you have left to spend) while you're on-the-go * Add transactions and track expenses easily on the go * Use the proven cash envelope budgeting method * Track your bank balances in addition to envelope balances * Pay off debt and manage payments * Live within your means * Schedule transactions and automatically fill envelopes Ad-free, Free Forever version includes 10 regular envelopes & 10 annual envelopes. Use envelope budgeting to plan your spending, not just track it! ================================ SUBSCRIBERS GET MORE FEATURES! ================================ * Unlimited Envelopes AND Accounts * Automatic Bank Sync * 5 devices for sharing * 7 years of transaction history * Personal and friendly email support Subscription automatically renews unless auto-renew is turned off at least 24-hours before the end of the current period. Payment will be charged to iTunes Account at confirmation of purchase. Account will be charged for renewal within 24-hours prior to the end of the current period, and identify the cost of the renewal. Subscriptions may be managed by the user and auto-renewal may be turned off by going to the user's Account Settings after purchase. If you're looking to track where your money goes, plan your spending, or create a budget that works, try us out! Goodbudget: Budget well. Live life. Do Good. Features, bugs? Please email us at support@goodbudget.com! We're happy to help! ** Leading personal finance app downloaded over 2,000,000 times AND previously featured by Apple, The New York Times, Forbes, CNET, LifeTime TV, The Boston Globe, and Lifehacker **

Screenshots

Splitwise4 screens
Goodbudget Budget Planner4 screens

Verdict

The call

The clearest difference is rating: Goodbudget Budget Planner at 4.6 against Splitwise's 4.0. Goodbudget Budget Planner also leads on review sentiment (59% vs 44%). Splitwise's advantage is update cadence (weekly vs every 3 weeks). On price, ratings volume, ads and in-app purchases there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Splitwise sells 10 in-app purchases, starting at $2.99 per month and Goodbudget Budget Planner sells 10 in-app purchases, starting at $5.99 per month. Whichever you choose, the download price is not the number that matters.

ReceptionRating · Positive reviews · Number of ratings

Goodbudget Budget Planner holds the better App Store score, 4.6 against 4.0. Both are backed by a comparable volume of ratings — 28K and 13K respectively. Written reviews point the same way: 44% of Splitwise's written reviews are positive against 59% of Goodbudget Budget Planner's.

UpkeepUpdate frequency

Splitwise ships an update weekly, Goodbudget Budget Planner every 3 weeks. The most recent releases landed on October 1, 2026 and September 30, 2026 respectively.

Scorecard3 real differences · 8 level
Splitwise versus Goodbudget Budget Planner: the parameters behind the verdict, then further details
ParameterSplitwiseGoodbudget Budget Planner
PriceFreeFree
Rating4.0 (28K ratings)4.6 (13K ratings) — better
Positive reviews44.4% of reviews58.8% of reviews — better
Number of ratings28K — better13K
Update frequencyWeekly — betterEvery 3 weeks
AdsNoNo
In-app purchasesYesYes
MonetizationFree with in-app purchasesFreemium
Best chart rank#30 — better#73
DevicesiPhone, iPadiPhone, iPod
Requires iOS16.015.0 — better
Further details — not scored
Size67 MB23 MB
Age rating4+4+
DeveloperSplitwise, Inc.Dayspring Technologies

Customer experience

Splitwise

All ratings28,064 ratings
Positive73.6%
Neutral2.2%
Negative24.2%
Written reviews2,277 reviews
Positive44.4%
Neutral6.5%
Negative49.1%

Goodbudget Budget Planner

All ratings13,448 ratings
Positive92.0%
Neutral3.5%
Negative4.5%
Written reviews388 reviews
Positive58.8%
Neutral9.3%
Negative32.0%

User reviews

Splitwise

From 28K App Store ratings

What we love

  • 🚀 Simplifies splitting expenses
  • 👍 Easy to use and intuitive
  • 💡 Helpful for group trips and shared living
  • 🚀 Convenient payment integration
  • 🚀 Supports multiple currencies

Room to improve

  • 🐛 Confusing settle up process
  • 🐛 Inaccurate receipt scanning
  • 💰 Subscription model too expensive
  • 🐛 Glitches when switching between apps
  • 🐛 Inconsistent user experience

Goodbudget Budget Planner

From 13K App Store ratings

What we love

  • 💻 Excellent app for tracking and managing finances
  • 🤝 Great for couples and families to manage budgets together
  • 📈 Helpful envelope system and budgeting tools
  • 🕰️ Ability to schedule recurring payments and income
  • 🗓️ Useful for budgeting by pay period instead of monthly

Room to improve

  • 🔍 Confusing or unintuitive interface for some users
  • 💰 Paid subscription seen as too expensive by some
  • 🐛 Occasional bugs, crashes, and syncing issues reported
  • 🔢 Limited free version with only 10 envelopes
  • 🔍 Difficulty making changes to existing budgets

Bugs and requests

Splitwise

Reported bugs

4 issues
  • Payments not properly credited
  • Expense entries disappearing
  • Incorrect balance calculations
  • Venmo integration issues

Requested features

5 requests
  • Custom recurring expense options
  • Ability to set default split percentages
  • Better group management tools
  • Improved currency conversion and tracking
  • Integration with more payment services

Goodbudget Budget Planner

Reported bugs

4 issues
  • Transactions not saving properly
  • Envelopes resetting or losing balances
  • Recurring income/payments not working as expected
  • Syncing issues between devices

Requested features

6 requests
  • Ability to group/organize envelopes
  • Option to reconcile transactions and mark as cleared
  • Transaction search functionality within the app
  • Customizable envelope colors or themes
  • Automatic transaction syncing from bank accounts
Show 1 more
  • More detailed reporting and analytics features

In-app purchases

10 purchases

Splitwise

Subscriptions10
  • Splitwise Pro7 Days trial$2.991 Month
  • Splitwise Pro3 variants$2.991 Month
  • Splitwise Pro1 Month trial$2.991 Month
Show 7 more
  • Splitwise Pro$3.991 Month
  • Splitwise Pro4 variants$4.991 Month
  • Splitwise Pro1 Month trial$29.991 Year
  • Splitwise Pro2 variants$29.991 Year
  • Splitwise Pro3 variants$39.991 Year
  • Splitwise Pro1 Year trial$39.991 Year
  • Splitwise Pro7 Days trial$59.991 Year
10 purchases

Goodbudget Budget Planner

Subscriptions8
  • Monthly Plus Plan$5.991 Month
  • Monthly Plus Plan2 variants$6.991 Month
  • Monthly Plus Plan$7.991 Month
Show 5 more
  • Monthly Premium Plan$9.991 Month
  • Annual Plus Plan$49.991 Year
  • Annual Plus Plan2 variants$59.991 Year
  • Annual Plus Plan$69.991 Year
  • Annual Premium Plan$79.991 Year
One-time2
  • 3 Months of Plus Plan$17.99
  • 6 Months of Plus Plan$29.99

Questions

Is Splitwise free?
Splitwise is free to download, with in-app purchases available.
Is Goodbudget Budget Planner free?
Goodbudget Budget Planner is free to download, with in-app purchases available.
Which has better reviews, Splitwise or Goodbudget Budget Planner?
Goodbudget Budget Planner is rated higher. Splitwise averages 4.0 out of 5 from 28K ratings, while Goodbudget Budget Planner averages 4.6 from 13K ratings.
Do Splitwise or Goodbudget Budget Planner have ads?
Neither Splitwise nor Goodbudget Budget Planner shows ads.
Which is updated more often, Splitwise or Goodbudget Budget Planner?
Splitwise ships an update weekly, and Goodbudget Budget Planner every 3 weeks. Most recently, Splitwise was updated on October 1, 2026 and Goodbudget Budget Planner on September 30, 2026.
Which is more popular, Splitwise or Goodbudget Budget Planner?
Splitwise currently peaks at #30 in the App Store charts, and Goodbudget Budget Planner at #73. Chart position reflects recent download velocity rather than total install base.

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