Free Splitwise Alternative —
No App, No Sign-Up
Splitwise is a solid ledger, and it works best once everyone in the group has joined it. On a weekend trip, someone always hasn't. CollectiveTap Split is a link instead: paste it in the trip chat and anyone can add the gas receipt, see who owes whom and tap Mark paid, with nothing to sign up for and nothing to install.
In short: CollectiveTap Split is a free Splitwise alternative for trips, dinners, gifts and shared houses, run from one link in the group chat. Start by picking the kind of split: a trip or running tab; one bill, where you itemise the lines, people claim what they ordered and the tip and tax follow each person's share; a chip-in toward a target, with a collector and a progress ring; or fixed shares, such as rent by room. Every expense can be split equally, by shares, by exact amounts, by percent or by items. The page keeps the balances and a settle-up plan with the fewest payments; tap "I'm…" and it tells you "You owe Jordan $280" with Mark paid right beside it. Choose from 39 currencies (one per split), copy a summary into the chat or download a CSV. Money moves however your group already pays each other: Split records the payment, it never handles it. Pick Splitwise for a years-long ledger with the same friends, several currencies inside one group, or paying from inside the app.
CollectiveTap vs Splitwise
Splitwise: on the web and in its apps, built around each person's account and friends list. CollectiveTap: open the link, tap your name under "I'm…", add an expense. The page remembers who you are on that phone.
Splitwise: the numbers live in the app. CollectiveTap: the link unfurls as a card with the settle-up plan, the balances, the latest expenses or a progress ring, your pick of four layouts. Every re-share posts a fresh card with the current numbers.
Splitwise: whoever enters the bill does the itemising. CollectiveTap: enter the lines, each person claims theirs, anything unclaimed is shared by everyone, and tip and tax are shared in proportion to what each person ordered.
Splitwise: a gift is an expense split across the group. CollectiveTap: set a target and a collector, and the card shows a ring filling as people pay in ("$180 of $240 collected") and who still owes.
Splitwise: simplifies group debts too. CollectiveTap: the settle-up plan uses the fewest payments (or pay back whoever covered you, if you turn simplify off), with Mark paid on every row, Settle up for several debts at once and a six-second Undo.
Splitwise: a free plan, with a paid Pro tier for extra features. CollectiveTap: no ads and no paid tier. Five split types, four layouts, CSV export and permissions are all included.
Splitwise: old group balances stay on your account. CollectiveTap: the link stays open while the group uses it and expires on its own after 90 days without use; download the CSV first if you want a record.
Splitwise: notifications tell people about new expenses. CollectiveTap: the organizer link shows how many times the split was opened and updated, by day and by chat app, as counts, never names. Link Insights
When Splitwise still makes sense
Splitwise is built for long-running shared finances. Here is where that matters.
Splitwise keeps a running total with each friend across every group, with recurring bills. Each CollectiveTap split is its own link, with no personal ledger that spans them.
Groceries, gas, the Airbnb. Six people, one link in the trip chat, and a plan at the end that says who pays whom, in as few payments as possible.
A split holds one currency; it does not convert euros and yen inside the same ledger. For a long trip across currencies, Splitwise records each expense in its own currency.
Everyone claims their dishes from their phone, the shared starters split across the table, and the tip follows what each person ordered.
If you want to send money without leaving the app, Splitwise connects to some payment apps. CollectiveTap never touches money: people pay by whatever app they use and tap Mark paid.
A chip-in with a target and a collector, or fixed shares where the big room pays two shares: pick the kind and the page does the arithmetic.
Splitwise alternative FAQ
Is CollectiveTap a free Splitwise alternative?
Do friends need to install anything or sign up?
What kinds of splits can I track?
Does Split send or collect money?
Can I use a currency other than dollars?
What about long-term group balances?
Settle the trip without the app talk.
One link for the whole group. Free, no app, no account.
Create a split →