A Splitwise alternative with free itemized splits and currencies that never mix
Looking for a Splitwise alternative? Here is how Sumzy compares with Splitwise and Tricount, including where the others are the better pick. Written by the Sumzy team; competitor details come from their own websites, checked on 15 October 2026.
Sumzy vs Splitwise vs Tricount at a glance
| Sumzy | Splitwise | Tricount | |
|---|---|---|---|
| Free daily expense limit | 7 new expenses a day | Yes — unlimited daily expenses is a Pro feature | No daily cap |
| Itemized split (by what each person had) | Free, unlimited | Pro | Not stated |
| Split by %, shares or exact amounts | Free | Free | Not stated |
| Multiple currencies | Balances kept separate per currency; converting a debt is free | 100+ currencies; currency conversion is Pro | Currency conversion included |
| Debt simplification | Free, per currency | Free | Not stated |
| Recurring expenses | Pro | Listed in the core features | Not stated |
| Works offline | Yes | Yes | Yes |
| Ads | None | Ad-free experience is a Pro feature | None |
| Platforms | iOS, Android | iPhone, Android, web | Not compared |
| Languages | 8, including Brazilian Portuguese | 7+ | Not compared |
Where Sumzy is different
Itemized splits are free and unlimited
Split a restaurant or grocery bill by what each person had. Tax and tip are shared in proportion to each person's items, and it works with no connection. On Splitwise, itemization is part of Pro.
Currencies are never mixed
Each expense keeps its own currency, and Sumzy keeps a separate balance for each one. A debt in reais and a debt in dollars are two debts, settled separately, so nobody loses money to an exchange rate they did not choose. When the group wants to settle in one currency, you can convert a debt at a rate you pick — free today.
A free plan you can actually use
The free plan includes every split type, multiple currencies, debt simplification and settling up, with up to 7 new expenses a day. Settle-up payments, edits, and expenses other people add never count toward your limit. Sumzy has no ads.
Made in Brazil, in eight languages
Sumzy is fully translated into English, Português (Brasil), Español, Français, Deutsch, Italiano, 日本語 and 简体中文 — the app, the emails it sends you and this site.
Where Splitwise or Tricount may suit you better
- You want to use it on a computer. Splitwise has a web app. Sumzy is iOS and Android only.
- You need recurring expenses for free. Splitwise lists recurring expenses among its core features. In Sumzy, recurring expenses (rent, subscriptions) are part of Pro.
- You never want a daily limit. Tricount says it has no daily expense cap. Sumzy's free plan allows 7 new expenses a day; Pro removes the limit.
- You want card transactions imported. Splitwise Pro can import transactions from a connected card (US only, per Splitwise).
Switching from Splitwise
- Install Sumzy and sign in with an email code, Google or Apple — there is no password.
- Create a group and add your friends by email. They are part of the group straight away, even before they install the app.
- Settle up or note the current balances in Splitwise, then add new expenses in Sumzy from there.
Sumzy does not import Splitwise history.
Frequently asked questions
Is Sumzy a free Splitwise alternative?
Yes. Sumzy is free to download and use, with every split type, multiple currencies, debt simplification and settling up. The free plan allows up to 7 new expenses a day; Sumzy Pro removes that limit and adds recurring expenses.
Does Splitwise limit expenses on the free plan?
Splitwise lists "add as many expenses as you like each day" as a Splitwise Pro feature, so the free plan has a daily limit. Splitwise does not publish the number on its website.
Can I import my Splitwise groups into Sumzy?
No. Sumzy does not import Splitwise history. The simplest switch is to settle up in Splitwise, then start the group fresh in Sumzy.
Does Sumzy have ads?
No. Sumzy shows no ads, on the free plan or on Pro.
Does Sumzy have a web version?
Not yet. Sumzy is available for iPhone and Android.
Try Sumzy free
Download Sumzy, create a group and add your first expense.