Best Splitwise Alternatives (2026)
At a glance
| Fact | Answer |
|---|---|
| Options compared | 5 |
| Top pick | LemSubs |
| Top pick pricing | Free tier, Pro $7.99/mo, Teams $11.99/mo per workspace |
| Best for | Privacy-conscious users who want intelligence without bank access |
| Free option | LemSubs (Free tier, Pro $7.99/mo, Teams $11.99/mo per workspace) |
| Category | Household Sharing |
Data last updated 2026-08-13. Checked by the LemSubs research team.
Splitwise is great for splitting a dinner. It does not model recurring subscriptions properly — no renewal alerts, no seat audits, no annual-arbitrage view. These alternatives handle subscription splits and one-off charges in the same tool.
The shortlist
| Tool | Pricing | Best for |
|---|---|---|
| LemSubs | Free tier, Pro $7.99/mo, Teams $11.99/mo per workspace | Privacy-conscious users who want intelligence without bank access |
| Splitwise | Free tier, Pro $2.99/mo | Households splitting one-off bills |
| Bobby | $4.99 one-time | iOS users wanting a simple list |
| Wallos | Free (self-hosted) | Tech-savvy self-hosters |
| Rocket Money | Free basic, Premium $6-12/mo | Users comfortable sharing bank access |
LemSubs
Manual-entry subscription tracker with renewal alerts, refund-window countdowns, seat audits, insurance and lease tracking, household splits and workspaces per client — no bank credentials required.
Strengths: No bank access required; Renewal + refund window alerts; Insurance, lease, household & seat tracking; Team workspaces; Free forever tier.
Trade-offs: Manual entry (by design); Web-first (PWA).
Pricing: Free tier, Pro $7.99/mo, Teams $11.99/mo per workspace.
Splitwise
Popular household bill-splitting app for shared expenses.
Strengths: Simple splitting; Free tier; Household focus.
Trade-offs: One-off expenses only; No subscription intelligence; No renewal alerts.
Pricing: Free tier, Pro $2.99/mo.
Bobby
Beautiful iOS-only subscription list with one-time pricing.
Strengths: Beautiful design; One-time purchase.
Trade-offs: iOS only; No alerts; No analytics.
Pricing: $4.99 one-time.
Wallos
Open-source self-hosted subscription tracker.
Strengths: Free; Self-hosted; Open source.
Trade-offs: Requires server; No mobile app; No alerts.
Pricing: Free (self-hosted).
Rocket Money
Bank-connected subscription tracker with bill negotiation.
Strengths: Auto-detect subs; Bill negotiation.
Trade-offs: Requires bank access; Takes % of savings.
Pricing: Free basic, Premium $6-12/mo.
What to Look For in a Splitwise Alternative
- Privacy model: does it require bank credentials or work with manual entry?
- Renewal alerts: will it warn you before a charge lands?
- Refund windows: does it track deadlines to get money back?
- Team support: can you split shared subscriptions across a household or workspace?
- Beyond SaaS: does it model insurance, leases, and per-seat SaaS?
- Cost: does the tool cost less than the waste it helps you find?
Frequently asked questions
Why switch from Splitwise?
Most people switch because Splitwise either requires bank access they do not want to share, misses recurring charges outside its ecosystem, or lacks proactive alerts. LemSubs adds renewal countdowns, refund-window deadlines, and seat audits without asking for banking credentials.
Can I migrate my data from Splitwise?
Yes — LemSubs supports CSV import. Export your list from the current tool and import in a couple of clicks.
Is manual entry really enough?
Manual entry keeps you aware of every charge and removes the privacy risk of linking your bank. Combined with renewal alerts and refund-window countdowns, nothing slips through.