rilio.A Splitwise alternative that also tracks your own money
Want a Splitwise alternative without the daily free limit, that also tracks your own spending? Rilio splits bills and tracks your money. $4.99/mo.
- 🧾 Split bills, no daily cap
- 📊 Tracks your spending too
- 🚫 No ads
- 📱 iOS & Android
The best Splitwise alternative for most people is Rilio — one app that splits bills with friends and tracks your own spending, privately. Splitwise now caps the free tier at roughly three expense entries a day and shows ads, and it only ever tracks who owes whom — never your personal budget. Rilio splits group costs and answers “where did my money go?” for a flat $4.99/mo (7-day free trial), with no bank login. If you just need a shared IOU ledger and everyone in your group already uses Splitwise, its network effect is hard to beat.
Splitwise vs Rilio
| Feature | Splitwise | Rilio |
|---|---|---|
| Tracks your own spending | No — only who owes whom | Yes — your full picture |
| Free-tier daily limit | Around 3 expenses per day | No daily cap on your tracking |
| Ads | Yes, on the free tier | None |
| Apps you need | Splitting only — pair it with a tracker | Splitting + tracking in one |
| Adding an expense | Manual entry | ~5 sec — type, say it, or paste a bank text |
| Free web split calculator | Not available | Yes — free, no signup |
| Splits bills with friends | Yes | Yes — built in |
| AI chat | No | Yes — built-in AI chat |
| Bulk-import statement | Not offered | Upload a PDF, AI reads months of history |
| Price | Free tier + Pro $4.99/mo | $4.99/mo · 7-day free trial |
| Works on | iOS, Android, web | iPhone & Android |
Why people look for a Splitwise alternative
Splitwise is great at one thing — but its recent monetization and its single-purpose design push people to look for more.
The free tier got stingy
Splitwise now limits the free version to roughly three expense entries per day. Log a busy weekend or a trip and you can hit the wall mid-use.
Ads in your money app
The free tier runs ads now — a jarring addition for something people used precisely because it was clean and simple.
It only tracks IOUs
Splitwise tells you who owes whom, but never where your own money goes. You still need a separate app for your personal budget.
Previously-free features moved behind Pro
Things like receipt scanning are now Pro-only. The steady drift toward paywalls has soured a lot of long-time users.
How Rilio is different from Splitwise
Splitting and tracking in one app
Rilio splits group bills like Splitwise does — and also tracks your own spending, so you don't need a second app for your personal budget.
No daily entry cap
Log as much as you like. There's no “three a day and you're cut off” limit on tracking your money.
No ads
Rilio is a flat $4.99/mo, so there are no ads sitting between you and your money.
Five-second entry
Type a spend, say it, or paste your bank's SMS — AI categorizes it. Faster than tapping through a manual form.
A free split calculator too
Rilio also offers a free web Bill Split Calculator — settle a one-off group bill in the fewest payments, no signup, no app.
Private by design
No bank login, no ads, nothing sold — your spending and your splits stay yours.
Ask Rilio like a friend
Rilio's built-in AI chat answers plain-English questions — “How much did I spend on food this month?” — something Splitwise doesn't offer, since it only tracks who owes whom.
Bring your history in one upload
Have a bank or card statement PDF? Upload it and Rilio's AI pulls out every transaction — merchant, amount, category — flags duplicates, and lets you review before importing.
Splitwise's way vs. the Rilio way
Both settle up with friends. Only one also tells you where your own money went.
What it tracks
SplitwiseOnly who owes whom — your personal spending lives in a different app.
RilioGroup splits and your own budget, together in one place.
One app means one habit instead of two.
The free tier
SplitwiseCapped at about three expense entries a day, with ads.
RilioNo daily cap on your tracking, and no ads at all.
You shouldn't get locked out of your own money mid-trip.
Adding an expense
SplitwiseTap through a manual entry form each time.
RilioType it, say it, or paste a bank text — AI sorts it in seconds.
Less friction means it actually gets logged.
Ads & privacy
SplitwiseAds on free, and a steady push toward Pro-only features.
RilioFlat price, no ads, nothing sold.
You're the customer, not the audience.
Pricing: Splitwise vs Rilio
Splitwise Pro is $4.99/mo — the same as Rilio — but Rilio isn't just a splitter: the price also covers tracking your own spending, with no daily entry cap and no ads. And if you only need to settle a one-off bill, Rilio's web Bill Split Calculator is free with no signup.
How to switch from Splitwise to Rilio
- 1
Settle up outstanding balances
Clear or record any open IOUs in Splitwise so everyone starts even before you move.
- 2
Download Rilio
Install Rilio on iPhone or Android and start the 7-day free trial — for splitting and your own tracking.
- 3
Add your group and split away
Set up the people you share costs with and split bills with no daily cap.
- 4
Start tracking your own money too
Log personal spends in seconds and finally see where your own money goes — not just the group's.
Who should — and shouldn't — pick Rilio
- You want to split bills AND track your own spending in one app
- You keep hitting Splitwise's free daily limit
- You don't want ads in your money app
- You'd like faster entry than a manual form
- You want a private, no-bank-login tracker
- Everyone in your group already lives in Splitwise
- You only need a shared IOU ledger, nothing personal
- You rely on Splitwise's dedicated multi-group debt simplification
Splitwise alternative — FAQ
Is Rilio the right Splitwise alternative for you?
Splitwise is still the default for shared IOUs, and its network effect is real — if your whole group already uses it and you only need a split ledger, stay put. But if you're tired of the daily free limit and ads, or you want one private app that splits with friends and tracks your own money, Rilio does both for the same $4.99/mo. Bonus: the one-off split is free on the web.
Know where your money actually goes
The private, no-bank-login expense tracker. Log a spend in five seconds; the AI does the rest.
7-day free trial · No bank login, ever · On iOS & Android
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Last reviewed 2026-07-07. Competitor pricing and availability can change — verify on the provider's site.