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Antemate vs Splitwise

A Splitwise alternative that is honest about where Splitwise wins.

Most people who search for this want the same three things: no ads, a free plan that is generous and says its limit plainly, and a ledger that does not nag. Antemate has no ads on any plan; a free account adds 5 new expenses a day, and Pro makes that unlimited. It is also missing some things Splitwise has, and they are listed below.

The Lisbon group: what you are owed in a header in the group's own colour with a Settle up button and everyone's faces, then every expense with the faces of who shared it and what you lent or borrowed on each.

Where Antemate is the better pick

  • No ads, on any plan. A free account adds 5 new expenses a day, and settling up is never limited.
  • Item-by-item splits, search and charts of where the money went, on the free plan.
  • Every currency at the rate from the day it happened, free — so a debt agreed on Tuesday is the same number on Friday.
  • Offline first. Add expenses on the plane; they sync when you land, in order, never twice.
  • Your contacts stay on your phone. Only the people you tick are sent — to invite them.
  • Plan against actual on a trip, day by day, while you are still on it.
Friends: where you stand with all of them at the top, owed and owing side by side, then the people with something to settle and those who are square.

Where Splitwise is the better pick

  • More of your friends already have it. Splitwise has been around since 2011, and the person you split with may already be on it. Antemate lets you add people by name so nobody is blocked, but that is not the same as everyone already being there.
  • A web app. Antemate is a phone app. A group can share a read-only link that shows its balances in a browser, but nothing can be added or settled there. If you settle up from a laptop, Splitwise does that and we do not.
  • In-app payment in some countries. At the time of writing Splitwise can hand off to Venmo and PayPal in the US and to Paytm in India. Antemate never moves money anywhere, by design, and points you at the app you already use.
  • Years of polish. Splitwise has had since 2011 to smooth its edges. Antemate is new, and what it does not have yet it does not advertise.

Side by side

What you get on each free plan.

Feature Antemate free Splitwise free
Expenses you can add5 a day; unlimited on ProLimited per day, at the time of writing
AdsNone, everYes, on the free plan
Several payers on one bill YesYes
Item-by-item splitting YesPaid
Currency conversion at the day's rate YesPaid
Receipt scanning3 to try; 150 a month on ProPaid
Receipt photosProPro
Works offline YesAdding expenses, yes
Search across groups YesPaid
Charts of where the money wentFreePaid
Web app—NoYes
Pays people for youNever, by designIn some countries
Uploads your contactsNeverOptional

The Splitwise column is taken from Splitwise's App Store listing and splitwise.com, checked on 9 October 2026. Apps change; if this is out of date, tell us and we will correct it.

Moving over takes one file

In Splitwise, open the group, tap the settings icon, then Export as spreadsheet. In Antemate, open the group you want it in and choose Import from Splitwise. Each expense and payment lands with exactly the shares Splitwise had, to the cent, so the balances you all agreed on arrive intact. A row it cannot read for certain — one several people paid, say — is listed in the preview rather than guessed, and nothing is written until you confirm. The import is free on every plan.

Nobody has to move with you

Add the same people by name and their shares count from the first expense. If they install Antemate later they take over that seat; if they never do, you can still settle with them.

Nothing is sold

No ads means no ad network, and no ad network means your ledger is a record of who owes whom between friends and not a data product. Deleting your account erases your details; your friends' balances stay correct.

Switching

Questions people ask when they switch.

Is Antemate free?

Yes. Groups, friends, every way to split, every currency, settling up, comments, full history, search and totals are free for everyone, with no ads on any plan. A free account adds 5 new expenses a day; editing and settling up never count, and nor does Splitwise history you import, apart from rows dated in the last day. Pro removes the limit and adds repeating expenses, receipt photos, PDF statements and the AI tools — and only the person who wants them pays.

Can I import my Splitwise groups?

Yes. Export a group from Splitwise as a spreadsheet (CSV), then in Antemate open the group you want it in and choose Import from Splitwise. It is free, and every row comes across with exactly the shares Splitwise had, so the balances arrive intact. You see a preview of every row before anything is written, and any row it cannot read for certain is listed there rather than guessed.

Do my friends need to leave Splitwise?

No. Add them by name and their balances are real from the first expense. They can install Antemate whenever they like, or never, and you can still settle with them.

Does Antemate pay people for me?

No, on purpose. It records that you paid and points you at the payment app you already use. We never hold or move money and never see a card number.

Free on iOS and Android

Try it on the next bill.

Free for everyone, with no ads on any plan. Bring your Splitwise history across in one file — it never counts toward anything — or start clean.

Download on the App Store Get it on Google Play
The Lisbon group: what you are owed in a header in the group's own colour with a Settle up button and everyone's faces, then every expense with the faces of who shared it and what you lent or borrowed on each.