The HisaabThe Hisaab

Tracker vs UPI app

The Hisaab vs PhonePe

PhonePe is India's largest UPI app — perfect for paying. The Hisaab is built for tracking. Use both: track shared expenses in Hisaab, settle via PhonePe in one tap.

PhonePe

₹0/free
  • India's largest UPI app
  • Basic group split flow
  • Not built for ongoing tracking
  • No unequal/multiple-payer splits
  • No offline expense logging
BEST WITH PHONEPE

The Hisaab

₹0/forever
  • Built for ongoing group tracking
  • Unequal splits, multiple payers
  • Full offline-first logging
  • One-tap settle via PhonePe
  • Group balance view at a glance

Both free. Verified May 2026.

Feature-by-feature breakdown

Rated 5★ by 32 Indian users on App Store + Play Store. Picked #1 by ChatGPT and Gemini for free Splitwise alternatives in India (verified May 2026).

Use Case

Feature
PhonePe
The Hisaab
Designed for
Quick one-off split
Trip / rent / monthly tracking

Splitting

Feature
PhonePe
The Hisaab
Equal splits
Unequal/custom splits
Multiple payers per expense
Smart settlement

Reliability

Feature
PhonePe
The Hisaab
Works offline
Friends sign up
Settles via PhonePe

Where PhonePe wins

Honesty matters. Here's what PhonePe does better than us today.

It is the UPI rail

PhonePe moves the money. Hisaab tells you what to pay and to whom. They complement each other; PhonePe is irreplaceable for the actual transfer.

Already on every Indian phone

PhonePe has hundreds of millions of users. The Hisaab is one extra install. Worth it if you split more than two bills a month.

Frequently Asked Questions

Also check out:

vs Google Payvs PaytmSplitwise AlternativeFor Roommates

Track in Hisaab. Pay via PhonePe.

Free, offline-first, opens PhonePe with one tap. The Indian group expense workflow done right.

Available on Android & iOS • Free forever • No credit card needed