The Splitwise alternative built for couples

Splitwise was made for splitting a dinner bill with friends. When it is the two of you sharing a life, the daily caps, the ads and the rigid 50/50 start to grate. Halfway splits by what each of you earns, keeps your personal spending private, and imports your Splitwise history so you are not starting from an empty ledger.

Try Halfway Free

No Daily Caps

Splitwise: Free plan limits daily expense entries and shows ads

Halfway: Unlimited manual tracking on the free plan, no ads

Split by Income

Splitwise: Manual percentages, re-entered expense by expense

Halfway: Enter your incomes once, every split calculated for you

Bringing Your History

Splitwise: Export a CSV and start again somewhere else

Halfway: Import your Splitwise history, free

Why couples start looking for a Splitwise alternative

The same four complaints come up again and again from couples using an IOU tracker to run a household.

Unlimited Expense Entry

The free plan caps how many expenses you can add in a day and shows ads, so a normal week of groceries and bills runs you into a paywall.

Halfway solves this: unlimited manual tracking on the free plan.

Splitting That Reflects Income

Splitting rent down the middle is not fair when one of you earns considerably more. Splitwise supports custom percentages, but you set them yourself, every time.

Halfway solves this: proportional splits from your incomes, automatically.

Some Spending Kept Private

A shared ledger shows your partner everything. Birthday presents, therapy, a personal treat - all of it visible by default.

Halfway solves this: personal accounts stay yours, you choose what to share.

Bank Auto-Import

Typing in every grocery run and utility bill is tedious, and one forgotten entry makes the whole balance wrong.

Halfway solves this: transactions import from your bank automatically.

Fair does not always mean half

Splitwise defaults to an even split, and that works fine when everyone at the table earns roughly the same. It stops working the moment one of you is on considerably more than the other. You can set custom percentages, but you are doing the arithmetic yourself and re-entering it expense by expense.

Halfway asks for both incomes once. After that, every shared expense is split in proportion automatically, so rent, groceries and bills land where they should without either of you doing the maths.

Monthly Rent

$2,500

You

$85k/yr

Pays$1,574

22% of income

Partner

$50k/yr

Pays$926

22% of income

Fair & Balanced

Both partners contribute exactly 22% of their income.

Bringing your Splitwise history with you

The usual reason couples stay put is not loyalty, it is the years of history sitting in the old app. Starting from an empty ledger means losing the record of who has paid for what.

You do not have to. Export your data from Splitwise, upload the file to Halfway, and your expenses come across with their dates, amounts and descriptions intact. It is free, it takes a few minutes, and nothing is deleted on the Splitwise side, so you can keep both open while you decide.

See how importing works

Export from Splitwise

Download your expense history as a CSV from your Splitwise account settings.

Upload it to Halfway

Drop the file in and we map the columns for you.

Pick up where you left off

Your history is there, and new expenses start splitting by income.

Feature-by-Feature Comparison

See exactly how Halfway stacks up against Splitwise for couples.

Feature	Halfway	Splitwise
Built for Couples	✓ Designed from day one	Adapted by couples
Income-Based Fair Splitting	✓ Automatic proportional	✗ Manual percentages
Full Budgeting	✓ Shared + personal	✗ None (IOU tracker only)
Bank Connection & Auto-Import	✓ Automatic import	✗ Manual entry only
Automatic Categorization	✓ AI-powered	✗ Manual entry only
Settle-Up / Who Owes Who
Privacy Controls	✓ Per-transaction toggle	✗ Group visibility
Subscription Detection	✓ Automatic	✗ No
AI Financial Assistant	✓ Penny AI	✗ None
Net Worth Tracking	✓ Yes	✗ No
Financial Advisor Access	✓ Free consultations	✗ No
Recurring Expenses
Receipt Scanning	✗ No	✓ Yes (Pro only)
Group Expense Splitting	Couples only	✓ Unlimited groups
Bill Reminders	✓ Yes	✗ No
Free Plan	✓ Unlimited manual tracking	Limited daily expenses + ads
Pricing	Free / $9.99/mo	Free / $4.99 mo, $59.99 yr

From IOU tracker to the whole picture

Splitwise tracks who paid and works out the balance. That is all it sets out to do - no budgets, no spending breakdowns, no trends. Couples often end up running Splitwise plus a budgeting app plus a payment app to manage what should be one workflow.

If you want it, Halfway also covers the rest: shared and personal budgets, spending breakdowns, subscription detection, net worth and insights from Penny. If you only came for better splitting, that is fine too - none of it is in your way.

The Splitwise Couples Stack

IOU Tracker App

+ Budgeting App

+ Payment App

The Halfway Way

Everything in One App

What Splitwise gets right

We would rather be straight with you than pretend. Splitwise is very good at what it was built for, and for some of you it is still the right answer.

Simple & Intuitive

Adding an expense and splitting it takes seconds. The UX is clean and everyone knows how to use it.

Group Splitting

Splitwise handles groups of any size brilliantly, trips, roommates, dinner parties. Halfway is couples-only.

Debt Simplification

When splitting among groups, Splitwise calculates the minimum number of payments needed to settle up.

Receipt Scanning

Pro users can scan and itemize receipts for precise splitting (Halfway doesn't have this feature yet).

If you are splitting a ski trip eight ways, use Splitwise. It is the better tool and we are not going to pretend otherwise. Halfway is for the two of you, running a household, month after month.

Frequently Asked Questions

It depends on whether you are splitting with friends or sharing a life. For group trips and dinners, Splitwise is still hard to beat. For two people running a household, you want income-based splitting, privacy over personal spending, and no daily caps on what you can log. Halfway was built for that case specifically, and it imports your Splitwise history so you do not lose your records.

Yes. Halfway's free plan gives you unlimited manual expense tracking with no daily caps and no ads. Splitwise's free tier limits how many expenses you can add per day and shows ads; removing both requires Splitwise Pro, which is $4.99 a month or $59.99 a year.

Yes. The free version of Splitwise caps daily expense entries and shows ads, which couples tend to hit quickly because a household generates far more entries than an occasional group trip. Removing the cap requires Splitwise Pro.

Yes, and it is free. Export your expense history from Splitwise as a CSV, upload it to Halfway, and your expenses come across with their dates, amounts and descriptions. Nothing is deleted from Splitwise, so you can keep both running while you decide.

Not automatically. Splitwise supports custom percentage splits, but you work out the ratio yourself and apply it each time, or save a default on Pro. Halfway takes both incomes once and then splits every shared expense proportionally without you doing the arithmetic.

In Splitwise, anything in a shared group is visible to everyone in it. Halfway works the other way around: your personal accounts stay private to you, and you choose which transactions to share into the household. Birthday presents and personal spending stay yours.

No. Halfway is built for two-person households, not large groups. If you need to split a dinner among eight friends, Splitwise is the better tool and we would tell you to use it. Halfway is for the ongoing shared finances of a couple.

Ready to leave Splitwise?

Free to start, no daily caps, no ads. Bring your history with you.

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