Comparison

Splitwell vs SplitCircle AI Expense Tracker

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

Head to head
About

Splitwell

Features
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Splitwell is the free expense tracker that helps you split bills and track IOUs with the people in your life. Whether it's rent with flatmates, expenses on a group trip, or lunch with friends, Splitwell keeps track of who owes what so you don't have to. Settle up with UPI in a few taps and share a clear summary on WhatsApp. Splitwell is completely free. Every feature. No premium tier. No ads. SPLITWELL IS GREAT FOR • Flatmates splitting rent and household bills • Group trips with friends or family • Splitting a shared vacation stay • Couples tracking shared costs • Friends who eat out or hang out often • Any group that needs to keep expenses fair and simple SIMPLE TO USE • Create groups for any splitting situation • Add expenses in seconds and split them your way • Everyone in the group sees live, accurate balances • Settle up whenever you're ready SETTLE UP AND SHARE • Pay with UPI when you settle up (India) • Debt simplification, so the group settles with the fewest payments possible • Share a clear group summary on WhatsApp, with spend by category and who owes whom • Mark payments as received, with undo GROUPS AND EXPENSES • Multiple payers on a single expense • Itemized splitting, including tax and tip • Split by exact shares, not just equally • Comments on any expense • Full edit and activity history for every expense • Group activity feed so you always know what changed • Live balances that refresh when someone adds an expense • Filter expenses by category • Summary with category charts, member share, paid amounts and day wise spend • Tap any chart to see the expenses behind it • Edit guest member names anytime KEEP GROUPS TIDY • Join a group by scanning a QR code • Favorites, sections and Archive for groups you are done with • Search across all your groups FRIENDS AND PAYMENTS • A dedicated friends section to track balances with anyone, across every group and one on one • Direct person to person expenses, outside of groups • Push notifications when new expenses are added SWITCHING FROM SPLITWISE? • Import all your groups from Splitwise • Your members, expenses, payers and balances come with you • Pick up where you left off EVERYTHING ELSE • Export all your groups to Excel at once • Support for multiple currencies • Light and dark theme • Option to hide the Dashboard tab and start on Groups WHY SPLITWELL • Completely free, always. Every feature, no exceptions. • No premium tier. Nothing is locked behind a paywall. • No ads • Clean, fast, and simple to use. • Built independently by people who use the app. Splitwell is new and growing, and we're building it based on what real users actually need. If there's a feature you're missing, we want to hear about it. Email: contact@arthlabs.co

About

SplitCircle AI Expense Tracker

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Split Circle is an AI-powered expense manager designed for shared expenses. Split bills, track spending, scan receipts, manage budgets, and settle balances with friends, roommates, couples, families, and travel groups. Powered by AI, Split Circle helps reduce manual work and keeps shared expenses organized in one place. WHY CHOOSE SPLIT CIRCLE? • AI Expense Assistant — Add expenses, ask questions, and manage spending using natural language. • AI Receipt Scanner — Scan receipts and automatically extract amounts, merchants, and dates. • Flexible Bill Splitting — Split expenses equally, by amount, percentage, shares, or individual items. • Simplified Settlements — Reduce the number of payments required to settle group balances. • Budget Management — Create budgets and monitor spending in real time. • Offline Support — Add expenses without an internet connection and sync later. • Multi-Currency Support — Track expenses across different currencies for travel and international groups. • Privacy & Security — Protect your data with Face ID, Touch ID, PIN protection, and biometric authentication. SHARED EXPENSE TRACKING Track expenses across all your circles and keep balances organized in one place. FLEXIBLE BILL SPLITTING • Equal • Exact Amount • Percentage • Shares • Items Support multiple payers and backdated expenses. OFFLINE SUPPORT Add expenses while traveling or when you don't have internet access. Your data syncs automatically when you're back online. SIMPLIFIED SETTLEMENTS Split Circle calculates settlement paths that can reduce the number of transactions between group members. RECEIPT SCANNING Attach photos to expenses. Pro includes OCR receipt scanning that can extract receipt details such as amount, merchant, and date. BUDGET TEMPLATES • Household • Travel • Wedding • Event • Business Trip • Monthly Groceries • Vacation • Birthday Party • Student • Fitness 60+ CURRENCIES Track expenses across different countries and regions. DATA IMPORT Import groups using CSV, including expenses, balances, and members. APP SECURITY • PIN Lock • Face ID • Touch ID • Fingerprint Authentication • Auto-Lock Options PERFECT FOR • Roommates • Friends • Couples • Families • Students • Travel Groups SPLIT CIRCLE PRO • AI Expense Assistant • OCR Receipt Scanning • Itemized Bill Splitting • Recurring Expenses • Personal Budgets • Group Budgets • Budget Approval Inbox • Advanced Analytics SUBSCRIPTION OPTIONS Split Circle is free to use with optional paid plans: • Split Circle Pro Monthly • Split Circle Pro Annual • Split Circle Pro Lifetime • Payment will be charged to your Apple Account at confirmation of purchase. • Subscriptions automatically renew unless auto-renewal is turned off at least 24 hours before the end of the current subscription period. • Your account will be charged for renewal within 24 hours before the end of the current subscription period. • Subscriptions may be managed and auto-renewal turned off in Apple Account Settings after purchase. • Split Circle can continue to be used without a subscription. Apple Standard EULA: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Terms of Use: https://split-circle.com/en/terms Privacy Policy: https://split-circle.com/en/privacy

Screenshots

Splitwell4 screens
SplitCircle AI Expense Tracker4 screens

Verdict

The call

The clearest difference is in-app purchases: Splitwell at none against SplitCircle AI Expense Tracker's 3. On price, update cadence, ads and device support there is nothing between them.

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

CostPrice Ā· In-app purchases Ā· Ads Ā· Monetization

Both are free to download. SplitCircle AI Expense Tracker sells 3 in-app purchases, starting at $0.99 per month. Splitwell asks for nothing beyond the download.

UpkeepUpdate frequency

Splitwell ships an update every 4 days, SplitCircle AI Expense Tracker every 5 days. The most recent releases landed on October 31, 2026 and November 1, 2026 respectively.

Scorecard1 real difference Ā· 5 level
Splitwell versus SplitCircle AI Expense Tracker: the parameters behind the verdict, then further details
ParameterSplitwellSplitCircle AI Expense Tracker
PriceFreeFree
Update frequencyEvery 4 days — betterEvery 5 days
AdsNoNo
In-app purchasesNo — betterYes
DevicesiPhone, iPad, iPod — betteriPhone, iPod
Requires iOS15.515.1 — better
Further details — not scored
Size49 MB55 MB
Age rating4+4+
DeveloperNavneet Singh TomarSEVENTYTHREE LINES DEVELOPMENT PRIVATE LIMITED

In-app purchases

None

Splitwell

No in-app purchases

3 purchases

SplitCircle AI Expense Tracker

Subscriptions2
  • Pro Monthly$0.991 Month
  • Pro Annual$5.991 Year
One-time1
  • Pro Access$14.99

Questions

Is Splitwell free?
Splitwell is free to download, with no in-app purchases.
Is SplitCircle AI Expense Tracker free?
SplitCircle AI Expense Tracker is free to download, with in-app purchases available.
Do Splitwell or SplitCircle AI Expense Tracker have ads?
Neither Splitwell nor SplitCircle AI Expense Tracker shows ads.
Which is updated more often, Splitwell or SplitCircle AI Expense Tracker?
Splitwell ships an update every 4 days, and SplitCircle AI Expense Tracker every 5 days. Most recently, Splitwell was updated on October 31, 2026 and SplitCircle AI Expense Tracker on November 1, 2026.

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