Tally: a free Splitwise alternative that splits by income
Tally is a shared expense ledger for couples, housemates, families and trips. Add what you spent, choose how to split it, and Tally keeps track of who owes whom. It's free, it has no ads, and there's no limit on how many expenses you add in a day.
Splitwise made this kind of app popular, but its free plan now limits how many expenses you can add each day and shows ads, while features like receipt scanning and itemized splits need Pro. Tally was built to do the everyday splitting for free, and to handle the case Splitwise doesn't: sharing costs fairly when people earn different amounts.
What Tally does
- Every common way to split. Split equally, by exact amounts, by custom percentages, or item by item for restaurant bills. More than one person can pay toward the same expense.
- Income-based splits. Give a group a split rule, and each member pays in proportion to what they earn: expected income, money actually deposited, or net income after expenses. Tally recalculates the open period when incomes change.
- Balances and settling up. See who owes whom in each group and record payments when people settle.
- Accounts, not just IOUs. Track bank accounts, cash and credit cards. Record which account paid, pay off a card, move money between accounts, and log income. Your personal spending and shared spending live in one place.
- Receipts. Attach a photo of the receipt to any expense.
- AI logging from receipts, statements and SMS. Connect an AI assistant such as Claude or Gemini, then send it a receipt photo, a credit card statement screenshot or a bank SMS. It reads every transaction and sends them to your Tally Inbox. You confirm each one, and likely duplicates are flagged before they reach your ledger.
- Your data is yours. Export expenses to CSV, or use the REST API with a personal access token, for example from an iPhone Shortcut.
- Invite links and groups for a household, a trip or a single dinner, with a default currency per group.
- An Android app, or any browser. Download the Android app from the website, or use Tally in any browser and add it to your iPhone's home screen. Light and dark themes included.
Tally vs Splitwise
| Tally | Splitwise (free plan) | |
|---|---|---|
| Price | Free | Free with limits; Pro subscription |
| Ads | None | Yes |
| Expenses per day | Unlimited | Limited on the free plan |
| Itemized splits | Free | Pro |
| Split in proportion to income | Built in, updates automatically | Manual, using shares or percentages |
| Bank, cash and credit card balances | Yes | No |
| Logging from receipts and statements | Through your AI assistant, reviewed in an Inbox | Receipt scanning is Pro |
| Automatic currency conversion | No | Pro |
| Payment app integrations | No | Yes, in some countries |
| Apps | Android (download), web; iPhone via the web app | iOS and Android app stores |
Splitwise details come from public reviews and pricing pages as of October 2026 and may change.
Pros and cons
Pros
- Free, with no ads and no daily expense limit
- Income-based splits for couples and housemates who earn different amounts
- Itemized splits and multiple payers at no cost
- Tracks your accounts and credit cards, not just who owes whom
- Hands-off logging from receipts, statements and bank SMS through Claude or Gemini, and nothing is filed without your OK
- CSV export and an open API
Cons
- Not in the App Store or Play Store: the Android app is a direct download, and there's no native iPhone app yet
- Google sign-in only, and everyone in a group needs an account
- No automatic currency conversion between currencies
- No bank sync or Venmo/PayPal settle-up
- Automatic receipt reading needs an AI assistant that supports custom connectors
- A young, independent project with a smaller community than Splitwise
Who Tally is for
Tally works well for couples and housemates who share bills every month, especially if you earn different amounts and want a fair split without doing the maths. It also suits anyone who logs a lot of small expenses and keeps hitting Splitwise's daily limit, and people who want their own budget and the group's balances in one app. If your group travels across currencies and needs automatic conversion, or settles up through Venmo, Splitwise is still the better fit.
Try it
Sign in with Google at tally.builtbylogic.org, create a group and share the invite link. On Android, install the app from the same site.