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Zedi vs Splitwise

Splitwise gives a group one shared balance to settle up; Zedi keeps your own spending and who owes who in one place.1

Facts about Splitwise come from its own site and were checked October 10, 2026. Each one links to its source below.

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Pick Splitwise if

  • Everyone in the group should see and add expenses.1
  • You want to settle up with cash or online payments.1
  • You split trips and group costs, not your whole spending.1

Pick Zedi if

  • You want shared costs and your own spending in one place.
  • You want Venmo payments matched to the right person automatically.
  • You would rather your friends didn’t need an account.
Line by line

Zedi and Splitwise, side by side.

A check marks a row an app does well. “Not listed” means we looked on its site and could not find it.

Zedi
Splitwise
Price
What it costs to use.
Free; Pro $3.50 a month, plus SimpleFIN’s $1.50 a month

Free with your files. Pro is $3.50 a month to Zedi and SimpleFIN bills $1.50 a month or $15 a year, plus tax, so bank sync is $5 a month all in, before tax.

Free up to 4 expenses a day

Free accounts can add up to 4 expenses a day. Pro removes the limit; its price depends on your country.2,3

How data gets in
Bank sync, files or typing.
Files, or read-only sync on Pro

Drop in CSV, PDF or QFX statements, Venmo files and receipt photos. On Pro, accounts can also update on their own: read-only through SimpleFIN, about once a day.

You and friends add expenses

You or your friends type in each expense. Pro can import recent card purchases, in the US only.4

Your bank login
Where it goes, if anywhere.
Zedi never sees it

Files link nothing. With sync on Pro, you sign in to your bank through SimpleFIN, and MX or the bank holds that login, so Zedi never sees it.

Not needed

No bank link is needed. Pro’s card import is optional.4

Copies and transfers
Duplicate rows and card payments.
Counted once: copies out, card payments paired

Upload the same month twice and any row with the same date, amount and description is left out. Card payments and Venmo cash-outs pair up, so they don’t count as spending or income.

Shared costs only

Splitwise tracks shared costs and balances, not all of your spending.1

Receipts
What a receipt photo becomes.
Every item gets its own category

Snap a receipt and each item lands in its own category, automatically. Split items with friends, and get 10 free receipt scans a month.

Pro scans and splits items

Pro scans a receipt and lets you give each item to a friend.2,4

Who owes who
Costs you share with people.
Who owes who, kept for you

Receipt splits, Venmo payments and IOUs you jot down roll into one running balance per person. It’s your record, so friends don’t need an account.

Yes, and friends see it too

Friends and groups share one balance, add expenses and settle up with cash or online payments.1

Budgets
Plan what you will spend.
Not yet

Not yet. Today Zedi shows exactly where your money went: top categories, and this month next to last month.

Not listed

We found no way to set a budget in its feature list. Pro adds charts of your spending by category.1,4

Ads and your data
What they say about both.
No ads; never sold

No ads and no ad trackers. We make money from Pro, not from your data.

Pro removes ads

Splitwise describes Pro as a fully ad-free experience.4

Where it runs
Apps and browsers.
Any web browser

Runs in any web browser, on a phone or a computer. There is no app in the app stores.

iPhone, Android, web

Free for iPhone, Android and the web.1

Questions

Zedi or Splitwise?

Is Zedi a free Splitwise alternative?+
Partly. Zedi keeps a running balance with each person, splits receipts by item and matches Venmo payments for you, free. But it is your record only: friends don’t log in, see it or add costs. If the whole group needs to add expenses, Splitwise fits better.1
Does Zedi limit how many expenses I add?+
Not by the day. Uploading CSV and QFX files is free with no limit, and you get 10 receipt scans and 10 PDF scans a month. Splitwise’s free plan allows 4 expenses a day.2
Can my friends see what they owe me in Zedi?+
Not today. Zedi is your own record, so you share the number with them yourself. Splitwise shows the same balance to everyone in a group.1

Sources

Pages on Splitwise’s own site and help center, checked October 10, 2026. Prices and features change, so check them before you decide.

  1. https://www.splitwise.com/
  2. https://kb.splitwise.com/pro/what-is-splitwise-pro
  3. https://apps.apple.com/us/app/splitwise/id458023433
  4. https://www.splitwise.com/pro

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