What you pay ₹999/year for
Splitwise Pro removes the following restrictions from the free tier:
- Daily expense cap (4–5/day) — gone
- 10-second cooldown between adds — gone
- Unskippable video ads — gone
- Unequal splits — unlocked
- Multiple payers — unlocked
- Receipt scanning — unlocked
- Currency conversion — unlocked
- Itemization — unlocked
At ₹999/year, that's ₹83/month. Modest in absolute terms.
What ₹999/year does NOT buy you
- UPI integration. Even on Pro, Splitwise has no native UPI deep links. You still copy-paste amounts manually into GPay.
- Full offline mode. Splitwise's offline support is limited even on Pro.
- Indian-context features. No Hinglish, no item-wise restaurant flow, no rent-cycle awareness. Splitwise is a globally-built app.
- Friends don't sign up. Splitwise requires every member of every group to sign up. There is no link-share view mode.
The free Indian alternative: The Hisaab
The Hisaab gives you every Splitwise Pro feature for free, AND adds the four things Splitwise doesn't have at any price:
- UPI-native settle (one tap to GPay/PhonePe/Paytm with amount pre-filled)
- Full offline-first design (works on Goa beaches, Manali roads, metro tunnels)
- Friends view shared groups via a link without signing up
- Built around Indian rent groups, flatmates, and trip crews
The Hisaab was 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.
When Splitwise Pro IS worth ₹999/year
Three honest cases where Pro makes sense:
- All your friends are committed to Splitwise. If 8 of your closest groups insist on staying there, the social cost of asking them to switch may exceed ₹999/year. Pay it.
- You travel internationally a lot. Splitwise's currency conversion is genuinely good. The Hisaab is INR-first.
- You don't want to learn a new app. Familiarity has value. ₹999/year for zero migration friction is a fair trade.
When Pro is NOT worth it
If any of the following apply, switching to a free alternative beats paying ₹999/year:
- You want UPI-native settle (Splitwise doesn't offer it)
- You travel within India to spotty-network places (offline mode matters)
- Your group friends would happily switch (most will, given a 30-second migration)
- You'd rather have ₹999 than the same features in a familiar UI
The math, simplified
₹999/year × N years = the total cost of staying.
~10 minutes of migration = the total cost of switching to The Hisaab.
For most Indian users with active groups, switching is the better deal. The Hisaab is free forever, with no premium tier planned, and our funding model is transparent — labour of love, no ads, no paywalls on core features.