A free Splitwise alternative for shared expenses
KupaPay tracks group bills, simplifies debts, and lets you import a Splitwise CSV export into a new group — on iPhone, Android, and the web.
KupaPay vs Splitwise
As of 2026-10-29 (from each product’s public documentation and this site’s feature set)
| Feature | KupaPay | Splitwise |
|---|---|---|
| Debt simplification (fewer settle-up payments) | Yes — built into every group | Yes — “Simplify debts” (core feature) |
| Track group expenses and balances | Yes | Yes |
| Equal, percentage, or share splits | Yes — per expense in the app | Yes — equal, unequal, %, or shares (core) |
| Offline mode | Yes — add and view expenses offline; syncs when online | Yes (listed as a core feature) |
| Cloud sync across devices | Yes | Yes (core feature) |
| Move data from Splitwise | Import a Splitwise group CSV in the mobile app | Export a group as spreadsheet/CSV from group settings |
| Multi-currency expenses | Yes — record expenses in the currency paid | Yes — 100+ currencies (core feature) |
| Automatic currency conversion to your default currency | Not built in — balances stay per expense currency | Splitwise Pro |
| Receipt scanning & itemization | Not part of the free core app described here | Splitwise Pro |
| Import card/bank transactions | No | Splitwise Pro (US only, per Splitwise Pro page) |
| Daily expense limit on the free plan | No daily cap described for core tracking | Free accounts: up to 4 expenses per day (Splitwise Pro help) |
| Core app pricing (this comparison) | Free — core groups, splits, and debt simplification | Free core app with optional Splitwise Pro subscription |
Splitwise is a trademark of its respective owner. KupaPay is not affiliated with Splitwise. This page reflects publicly documented features only.
When KupaPay is a good Splitwise alternative
- You want free group expense tracking with automatic debt simplification on phone and web.
- You are switching from Splitwise and have a group CSV export to import into KupaPay.
- Your group needs Hebrew or Arabic RTL, or you prefer KupaPay’s 7-language marketing site and app locales.
- You like settle-up links and optional public balance pages for sharing totals without spreadsheets.
FAQ
- Is KupaPay affiliated with Splitwise?
- No. KupaPay is an independent app. Splitwise CSV import helps you migrate your own export; it does not connect to Splitwise accounts.
- Can I import my Splitwise group?
- Yes. Export the group from Splitwise, then use Import from Splitwise in the KupaPay mobile app to preview members and expenses before creating the group.
- Does KupaPay replace every Splitwise Pro feature?
- No. Features such as receipt scanning, live currency conversion, and US card import are Splitwise Pro capabilities. KupaPay focuses on clear balances, debt simplification, and free core tracking.
- Where is this comparison information from?
- KupaPay rows match features documented on this site and in the app. Splitwise rows are based on Splitwise’s public homepage, Pro page, and help articles — not on undisclosed pricing or usage statistics.
Try KupaPay on your next group trip or bill split
Download the app or sign in on the web, create a group, and add your first expense in minutes.