Is CollectiveTap a free Splitwise alternative?

Yes. Completely free, no account, no app, no Pro tier.

Does everyone need to install an app?

No. SplitLink is a shareable link — anyone with the link can add an expense or see the running balance.

Can I track uneven or percentage splits?

Yes. Every expense can be split equally, by exact amounts per person, or by percentage. A settle plan is computed automatically so nobody has to do the math.

How is it different from Splitwise?

Splitwise requires everyone in the group to create an account and install the app. CollectiveTap is a link you share in chat — no app, no account. It's lighter and better suited for one-off trips or dinners.

🔁 Alternative

Free Splitwise Alternative —
No App, No Sign-Up

Splitwise is great if everyone in your group is ready to install the app and create an account. For the other 90% of trips — a weekend cabin, a bachelor party, a group dinner — SplitLink is simpler. One shareable link, no app.

Create expense split → How SplitLink works

In short: CollectiveTap SplitLink is a free Splitwise alternative for one-off group expenses — a weekend trip, a bachelor party, a group dinner, a conference ride share. Add expenses, split equally or by exact amounts or percentages, and the link auto-computes a simplified settle plan. Nobody has to download an app, create an account, or watch a video ad before logging a receipt. Pick Splitwise if you need a multi-year shared ledger with a roommate; pick SplitLink for any trip where installing an app just to pay back $47 is overkill.

Comparison

SplitLink vs Splitwise

📲

No app install

Splitwise: every participant downloads the app. SplitLink: everyone opens a link in their browser. Done.

⚡

No account creation

Splitwise: needs email, password, friend invites. SplitLink: zero sign-up. Tap link, see balance, add expense.

💵

Actually free

Splitwise: free tier has limits; Pro tier removes ads and adds features. SplitLink: no paid tier at all.

🔗

Lives in your chat

Splitwise: separate app that you open. SplitLink: link preview updates live right in your group chat.

🗑️

Expires when you're done

Splitwise: lingering group balances forever. SplitLink: the link has a TTL and cleans itself up when the trip ends.

🌐

No ads

Splitwise: shows ads on the free tier. SplitLink: no ads, ever, on any tier.

When to use which

When Splitwise still makes sense

Use Splitwise

Ongoing roommate expenses

If you're tracking shared expenses with the same roommate for years, Splitwise's long-running ledger and recurring bills are a fit.

Use SplitLink

Weekend trip

Cabin, ski trip, beach weekend. A one-off group where forcing everyone into an app is overkill.

Use Splitwise

Multi-currency expense tracking

Long international trip with complex FX splits? Splitwise's currency handling is built for it.

Use SplitLink

Group dinner or bachelor party

One-off events where nobody wants to be the friend who forces everyone to install an app just to split the bill.

FAQ

Splitwise alternative FAQ

Is it really free?

Yes. Completely free, no account, no Pro tier, no ads.

Do friends need to install anything?

No. SplitLink is a link they open in any browser. No app download, no account.

Can I track custom splits?

Yes. Every expense can be split equally, by exact amounts per person, or by percentage. SplitLink computes a simplified settle plan automatically so nobody has to do the math at the end of the trip.

What about long-term group balances?

SplitLink is best for trips and one-off groups. For roommate expenses that run for years, Splitwise's persistent ledger is a better fit.

Split a group expense in seconds.

Free, no app, no account.

Create expense split →

Free Splitwise Alternative —No App, No Sign-Up

SplitLink vs Splitwise

When Splitwise still makes sense

Splitwise alternative FAQ

Split a group expense in seconds.

Free Splitwise Alternative —
No App, No Sign-Up