Monet vs Splitwise at a glance
Prices are for the United States and vary by country. Splitwise information comes from public reports and its App Store listing, checked in October 2026.
| Feature | Monet | Splitwise |
|---|---|---|
| Download | Free | Free |
| Premium plan | Monet Pro: US$2.99/month | Splitwise Pro: usually US$4.99/month or US$39.99/year (other offers from US$2.99/month) |
| Free plan | Core splitting is free; Pro unlocks unlimited expenses, groups and debts | Daily limit on new expenses, plus ads; Pro removes both |
| Split equally, by %, by shares or exact amounts | Yes | Yes |
| Debt simplification | Yes | Yes |
| Receipt scanning | Pro, processed on your device | Pro |
| Charts | Pro, per currency | Pro, by category |
| Multiple currencies | Expenses and balances kept per currency | Supported; currency conversion is Pro |
| App Store privacy label | Data Not Collected | Collects data linked to you, such as contact info, identifiers and usage data |
| Platforms | iPhone, iPad, Mac (Apple silicon), Apple Vision Pro | iPhone, Android and web |
Why people switch from Splitwise to Monet
A lower Pro price
Monet Pro is US$2.99 a month, while Splitwise Pro usually costs US$4.99 a month in the US. Monet Pro includes the receipt scanner, charts, CSV export and offline mode.
Built for Apple devices
A native app for iPhone, iPad, Mac and Apple Vision Pro, designed around how you already use your phone.
Private by design
Monet's App Store privacy label is "Data Not Collected", and the receipt scanner processes photos on your device.
English and Spanish, many currencies
Fully localized in English and Spanish, with balances per currency for trips abroad or friends in different countries.
The splitting you're used to
Groups, equal or custom splits, debt simplification and Settle Up all work the way you expect, so there's nothing new to learn.
Reminders on your calendar
With Monet Pro, add payment dates to your calendar so nobody forgets to settle up.
Choose Monet if…
- Your group mostly uses iPhone.
- You want a cheaper Pro plan with receipt scanning included.
- You prefer an app that doesn't collect your data.
- You want the app in Spanish as well as English.
Splitwise may suit you better if…
- Several people in your group use Android.
- You need to add expenses from a web browser.
- You rely on importing transactions from your bank card (US only).
How to switch from Splitwise to Monet
Settle up in Splitwise
Clear your open balances so everyone starts at zero.
Download Monet
Get Monet free from the App Store on your iPhone.
Create your group
Create a group and invite your roommates, partner or travel crew.
Log the next expense
Add expenses as they happen and Monet keeps the balances for you.
FAQ
Splitwise alternative: common questions
What is the best free alternative to Splitwise for iPhone?
Monet is a free Splitwise alternative made for iPhone. It covers groups, equal and custom splits, debt simplification and settling up, and its optional Pro plan costs US$2.99 a month in the US.
Does Splitwise limit expenses on the free plan?
Yes. Splitwise's free plan limits how many expenses you can add per day and shows ads; Splitwise Pro removes the limit. Splitwise doesn't publish the exact number, and reports put it at a few expenses a day.
Is Monet cheaper than Splitwise Pro?
In the US, Monet Pro is US$2.99 a month, while Splitwise Pro usually costs US$4.99 a month or US$39.99 a year (Splitwise also lists some cheaper offers). Prices in both apps vary by country, so check the App Store for your region.
Can I use Monet if my friends have Android?
Monet is currently available only on Apple devices (iPhone, iPad, Mac and Apple Vision Pro). If most of your group uses Android, Splitwise may be the more practical choice for now.
