Splitwise
A daily cap on expenses
Free accounts can only add a few expenses per day, with wait timers in between.
Monesto
No daily cap
Log the whole move-in day or the entire trip in one sitting.
Splitwise alternative
Out of expenses for today? Not here.
Splitwise’s free plan limits how many expenses you can add each day and shows ads between entries. Monesto’s free plan does neither.
Open in TelegramiPhone app coming soon
Splitwise
Daily limit reached
Wait until tomorrow or upgrade to add more expenses.
Monesto · expense added
What Splitwise users run into
Splitwise
Ads between entries
The free plan shows ads as you add expenses.
Monesto
No ads
Monesto’s free plan has no ads at all.
Splitwise
Currency conversion and charts are Pro
Multi-currency trips and spending charts sit behind the paid plan.
Monesto
Currencies and analytics included
Add expenses in any currency and see where the money went.
Side by side
| Feature | Splitwise | Monesto |
|---|---|---|
| Ads on the free plan | Yes | No |
| Daily expense cap | Yes | No |
| Currency conversion | Pro | Included |
| Spending charts | Pro | Included |
| Works inside Telegram | No | Yes |
Based on publicly available information about the free plans, October 2026. Simplify debts in Monesto is a Premium feature.
Switching takes one evening
- 01
Settle what’s open
Close the current balances in your old app so everyone starts from zero.
- 02
Create the group
Open Monesto in Telegram or on iPhone and invite the same people.
- 03
Log the next bill
From here on, every expense goes into Monesto.
Add the next ten expenses without waiting
Open in TelegramiPhone app coming soon