Comparison

Splitwise vs Centible

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

Centible

This app helps students track their spending with a simple, mindful approach. Securely link bank accounts to view transactions, categorize purchases with a tap, and understand spending trends through easy-to-read graphs. Your financial data remains private and on your device.

Highlights
  • Secure bank account connection
  • Automatic transaction import
  • One-tap purchase categorization
  • Customizable spending categories
  • Visual spending trend graphs
  • Privacy-focused data handling
Read full description

Introducing Centible - the iOS app for spenders looking to take control of their finances. Unlike other overwhelming budgeting apps, Centible takes a mindful and straightforward approach to building financial awareness. With Centible, you can securely connect your bank account(s) and instantly view your spending habits over the past week or month. Our app automatically pulls all of your transactions into the user-friendly "Inbox" feature, allowing you to effortlessly categorize each purchase with just a single tap. By categorizing your purchases, you will know exactly where you money is going every month. Whether you choose from our pre-designed categories or customize your own, Centible's intelligent backend processes the data and visually displays your spending trends in powerful yet simple and easy-to-read graphs on the app's Spending dashboard. Centible takes privacy seriously. All your personal information never leaves your device, and no financial data is uploaded to the internet or shared with us. We use Plaid to pull transactions, meaning all your financial data is shared only with a platform trusted by companies like Robinhood and Venmo. Say goodbye to confusing spreadsheets and hello to financial freedom with Centible. Download now and take the first step towards building a brighter financial future.

Screenshots

Splitwise4 screens
Centible4 screens

Verdict

The call

The clearest difference is review sentiment: Centible at 100% against Splitwise's 44%. Centible also leads on rating (5.0 vs 4.0) and in-app purchases (none vs 19). Splitwise's advantage is update cadence (weekly vs every 2 months) and ratings volume (28K vs 15). On price, ads, device support and iOS requirement 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. Centible asks for nothing beyond the download.

ReceptionRating · Positive reviews · Number of ratings

Centible holds the better App Store score, 5.0 against 4.0. That said, the two scores are not equally well evidenced: Splitwise has 28K ratings behind it against 15, so its average is the more settled of the two. Written reviews point the same way: 44% of Splitwise's written reviews are positive against 100% of Centible's.

UpkeepUpdate frequency

Splitwise ships an update weekly, Centible every 2 months. The most recent releases landed on September 27, 2026 and June 10, 2026 respectively.

Scorecard7 real differences · 4 level
Splitwise versus Centible: the parameters behind the verdict, then further details
ParameterSplitwiseCentible
PriceFreeFree
Rating4.0 (28K ratings)5.0 (15 ratings) — better
Positive reviews44.4% of reviews100.0% of reviews — better
Number of ratings28K — better15
Update frequencyWeekly — betterEvery 2 months
AdsNoNo
In-app purchasesYesNo — better
MonetizationFree with in-app purchasesFree — better
Best chart rank#28 — better—
DevicesiPhone, iPad — betteriPhone
Requires iOS16.0 — better17.0
Further details — not scored
Size67 MB24 MB
Age rating4+4+
DeveloperSplitwise, Inc.App Team Carolina

Customer experience

Splitwise

All ratings28,064 ratings
Positive73.6%
Neutral2.2%
Negative24.2%
Written reviews2,273 reviews
Positive44.4%
Neutral6.4%
Negative49.2%

Centible

All ratings15 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews6 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

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

Centible

Not enough reviews yet to summarise bugs or requests.

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
None

Centible

No in-app purchases

Questions

Is Splitwise free?
Splitwise is free to download, with in-app purchases available.
Is Centible free?
Centible is free to download, with no in-app purchases.
Which has better reviews, Splitwise or Centible?
Centible is rated higher. Splitwise averages 4.0 out of 5 from 28K ratings, while Centible averages 5.0 from 15 ratings.
Do Splitwise or Centible have ads?
Neither Splitwise nor Centible shows ads.
Which is updated more often, Splitwise or Centible?
Splitwise ships an update weekly, and Centible every 2 months. Most recently, Splitwise was updated on September 27, 2026 and Centible on June 10, 2026.

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