What Splitkaro Premium actually includes
Splitkaro keeps a free tier and gates the following behind the ₹450/year premium plan:
- Expense search — find an old expense across all your groups by name or amount.
- UPI bill splitting — pay or settle directly via UPI from inside Splitkaro.
- Group analytics — charts and breakdowns of group spending.
- Custom categories — tag expenses with your own labels.
- Priority reminders — push notifications nudging friends who haven't paid.
- Swiggy / Zomato / Blinkit / Zepto auto-fetch — automatic delivery order import for item-wise splits.
The honest assessment of each feature
Expense search — should be free
Search is a core feature in any 2026 app. Locking it behind Premium feels like a tax on memory. Most users discover it's gated when they go looking for a specific old expense and hit the paywall. The Hisaab includes search free.
UPI bill splitting — should be free
For an Indian app, gating UPI behind premium is the most painful design decision. UPI is how Indians actually settle balances. The Hisaab includes UPI deep-link settle free — tap settle, GPay/PhonePe/Paytm opens with the amount pre-filled.
Group analytics — nice to have
Analytics charts are pleasant but not essential. Most users glance at them once a quarter. Reasonable to gate, but it's still odd that a balance-by-month view is paywalled.
Custom categories — minor
Tag-based categorization is helpful but not transformational. Free in The Hisaab.
Priority reminders — manipulation, slightly
Premium users can nudge non-paying friends harder. This is a feature designed around social pressure, and gating it behind Premium creates a weird two-class dynamic in groups where some people pay and others don't.
Swiggy/Zomato auto-fetch — genuinely good
This is the one feature Splitkaro genuinely owns. Their auto-fetch from Swiggy, Zomato, Blinkit, and Zepto is best-in-class — pull your delivery orders and split item-wise without typing. If your group orders frequently and splits item-wise, this alone might be worth ₹450/year.
Who Splitkaro Premium is worth it for
- Groups that order Swiggy/Zomato/Blinkit/Zepto multiple times a week and split item-wise
- Users committed to Splitkaro's UI who don't want to switch apps
- Users who haven't tried The Hisaab yet — once they see UPI-native settle is free, the math changes
Who should skip Premium
- Anyone who values UPI-native settle (Hisaab has it free)
- Anyone who wants friends to NOT have to sign up (Hisaab has link-share view; Splitkaro requires all members to sign up)
- Anyone using simpler use cases — flat rent, monthly trips, couple's expenses — where auto-fetch isn't a daily need
The verdict
Splitkaro Premium at ₹450/year is fairly priced. They built a real product. The question isn't whether it's overpriced — it's whether you need it.
For most Indian users who don't lean on Swiggy/Zomato auto-fetch as a daily flow, The Hisaab covers everything else free, with UPI-native settle and a no-signup-for-friends model that Splitkaro doesn't offer at any price tier. Save the ₹450 and try it.