Fairly vs Splitwise,
honestly.
Splitwise is the incumbent with the biggest network and a mature web app, but its free tier caps you at four expenses a day, and receipt scanning and currency conversion sit behind Pro. Fairly is free for personal groups, reads receipts and voice, explains each split, and does not need your friends to install anything.
Splitwise has the network: millions of users and a web app, so the odds your friends already have it are high.
Fairly captures by receipt, voice or sentence for free, explains every split, and sends people without the app a link to see what they owe.
| Feature | Fairly | Splitwise |
|---|---|---|
| How you add an expense | Strength: Camera (itemized), voice, text, or manual | Limitation: Structured form; receipt OCR with line-item assignment is a Pro feature |
| Explains the split | Strength: Every split explained in one sentence; unsure lines flagged | Shows amounts; no plain-language reasoning |
| Simplified transfers | Strength: Simplified to fewer transfers, on by default, explained, free | Strength: “Simplify debts” exists, free, but off by default per group |
| Multi-currency | Strength: Multi-currency with conversion at the day's rate, free | Limitation: Separate balances per currency free; conversion into one currency is Pro |
| Friends without the app | Strength: A link shows people without the app what they owe; they mark it paid, no account | Limitation: Placeholder members cannot see the group until they join |
| Moving money | Strength: Never moves money; you pay each other your usual way, then record it | Splitwise Pay moves USD in-app for eligible US users; PayPal/Venmo hand-off; Pay by Bank in some EU countries |
| Recurring expenses | Strength: Learned rules: rent, groceries, whatever repeats; drafted, you approve | Strength: Weekly, fortnightly, monthly, yearly repeats |
| Offline | Strength: Yes, queues and syncs | Strength: Yes on mobile |
| Price | Strength: Free for personal groups; no paid plan | Limitation: Free: 4 expenses per day, with ads. Pro removes both; price varies by country (US store shows $2.99–$4.99/mo, $29.99–$39.99/yr) |
| Platforms | Limitation: iOS, Android No web app yet | Strength: iOS, Android, web |
| Corrections and audit | Strength: Automatic actions are logged and marked AUTO; any expense can be edited or corrected | Edit history per expense |
Splitwise is made by Splitwise, Inc. Their column was checked against their own help center and store listing on 2026-09-22; cells we could not verify say so. If something is out of date, tell us and we will fix it.
- What is Splitwise Pro
- Simplify debts
- Multiple currencies
- Sending money
- Adding a friend without contact details
- App Store listing
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Fairly is built by Obsurvive, a small product team in Europe. We are making the app we wanted for our own trips and shared flats.
Try the one that explains itself.
No account needed for your first split. Free for friends and flats.
- iOS and Android
- Free for personal groups · no paid plan
- Friends don't need the app