Splid is the fastest way to settle one trip with people you may never split with again. Splitkaro is for the groups you keep: your household, your friends, your own spending, tracked automatically rather than typed in.
Splid if the group is one trip and nobody wants to sign up. Splitkaro if the group is your household, your family or your own month-to-month spending, in a ledger that does not end when the trip does.
| Feature | Splitkaro | Splid |
|---|---|---|
| Group expense tracking | ||
| Use it without creating an account | ||
| Works offline, syncing when you are back online | ||
| A group that never syncs at all | ||
| Free unlimited expense addition | ||
| Personal expense tracking | ||
| Chat-based groups (like WhatsApp) | ||
| Card & bank auto-import | Beta, via Plaid | |
| Auto-import transactions from bank SMS | If your bank sends text alerts | |
| Receipt scanning | 3 a month free, then Premium | |
| Free overall spending analytics | ||
| Custom categories for your expenses | Premium | |
| Item-wise bill splitting: choose who ate what | ||
| Unequal splits by custom amount | ||
| Priority bills & smart reminders | ||
| Currency conversion | 150+ currencies | |
| Export your data | CSV | PDF or Excel |
Splid has no paid tier.
splid.app — checked September 2026
It depends on how long the group lasts. For one holiday with people you will not split with again, Splid’s no-account setup is hard to beat. For a household, a family or your own month-to-month spending, Splitkaro keeps the ledger going after the trip ends.
Splid runs a group with no account at all and no sync, converts more than 150 currencies, and exports a formatted PDF or Excel summary. Splitkaro also works offline and syncs when you are back online, and exports group data as CSV, but it does ask you to sign in, because the chat, the sync and the automatic import all need an account to attach to.
Yes. Personal groups are for exactly that, and card and bank feeds through Plaid (currently in beta) plus statement import keep most of it off your keyboard.
Adding expenses is free and unlimited, and overall spending analytics are free too. Premium is optional and stays affordable.
Your group chat and your expenses in one place. Reminders do the chasing. Free on Android and iOS.