Splitwise
FreeTracks shared expenses and IOUs with roommates, trips and groups: log who paid, split evenly or unevenly, and settle the simplified net balance. Free tier covers the essentials.
Why we recommend Splitwise
Splitwise solved a small but universal social problem — who owes whom after months of shared groceries, rent and trips — with one elegant idea: keep a running ledger and simplify all debts into the minimum set of payments. Nobody transfers money after every dinner; the app nets it out, and friendships are spared the awkward arithmetic. Its debt-simplification graph algorithm quietly removes circular IOUs entirely.
Best use cases
Best for: households tracking rent, utilities and groceries across roommates with different splits, group trips where costs land unevenly (one person books the car, another the hotel), and couples running proportional-income splits. The running balance means you settle once a month instead of after every receipt.
Honest limitations
The free tier now carries ads and daily limits on expense entries — heavy users feel pushed toward Pro. Actual money movement depends on integrations that vary by country; in much of the world you settle outside the app. Currency conversion in mixed-currency groups uses simple rates, not live mid-market pricing.
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