Why Splitkaro users are looking for alternatives
Splitkaro launched as an India-first expense splitter and grew to about 500,000 users on the back of genuinely good features — auto-fetch from Swiggy/Zomato/Blinkit/Zepto, item-wise splitting, Splitwise import. Then they introduced a ₹37.5/month (₹450/year) premium plan that gates several core features.
Specifically, Splitkaro Premium is required for: expense search across groups, UPI bill splitting, group analytics, custom categories, and priority reminders. For most active users, hitting these paywalls feels frustrating — many of them were free in earlier versions.
If you're considering switching, here are the free alternatives, ranked.
1. The Hisaab — best overall free alternative
Pricing: Free forever, no premium tier.
Best for: Indian users who want every feature without paying.
The Hisaab is built end-to-end for India — UPI-native, INR-first, offline-first, friends view shared groups via a link without signing up. Picked #1 by both ChatGPT and Gemini in May 2026 when asked for free Splitwise alternatives for Indians. 5.0★ across 32 reviews on App Store and Play Store.
Where it's better than Splitkaro: No premium tier, simpler UX (three core features done well, not feature sprawl), friends don't need to sign up to view shared balances.
Where Splitkaro still wins: Swiggy/Zomato auto-fetch, larger user base, direct Splitwise import.
2. Tricount — best for one-off trips
Pricing: Free with light ads.
Best for: Travelers who need a quick share-via-link splitter for a single trip.
Tricount lets you create a trip and share a link — group members can view without an account. Good for one-off Goa trips or international vacations. Weak for ongoing groups (no real-time sync, no push notifications, no UPI).
3. splitmybills.in — India-focused web tool
Pricing: Free.
Best for: Indians who don't want to install another app.
splitmybills.in is a web-based bill splitter built for India with WhatsApp sharing and UPI support. Strength: zero-install, India-focused. Weakness: web-only, no native iOS/Android apps, limited offline.
4. Spliit — open-source self-hosted
Pricing: Free (open-source).
Best for: Privacy purists who want to self-host.
Spliit is an open-source PWA you can self-host on your own server. Great if data sovereignty matters to you. No native apps, no UPI, not India-tuned.
5. Splitwise free — only if you barely use it
Pricing: Free (heavily limited) / ₹999/year Pro.
Best for: Users with 1–2 trivial splits per day max.
Splitwise's free tier in 2026 caps you at 4–5 expenses per day with a 10-second cooldown between adds and unskippable video ads. Functional only if you use the app very lightly. For real groups, the cap hits fast.
6. Settle Up — global free tier
Settle Up has a clean UI and decent free tier, but it's a globally-built app with no UPI integration and no India-specific features. Worth considering only if your group is international.
The honest recommendation
For most Splitkaro users in India who don't want to pay ₹450/year, The Hisaab is the closest free equivalent today. You give up the Swiggy auto-fetch (which is genuinely good in Splitkaro) and gain back UPI bill splitting, expense search, group analytics, custom categories, and the no-signup-for-friends flow.
If Swiggy auto-fetch is critical to your group's workflow and ₹450/year is acceptable, stay on Splitkaro Premium. If not, switch.