Comparison

Looking for a Splitwise alternative?

Splitwise is the household name in expense splitting, but its free tier has been shrinking: daily entry limits, ads, and the most useful features behind Splitwise Pro (± €40/year).

piggyme builds expense splitting into a full budgeting app: groups with friends, balances that keep themselves up to date, settling up with a QR code that just works with Belgian banking apps — and your share flows straight into your own budget overview. End-to-end encrypted, no ads.

Feature	piggyme	Splitwise
Price	Splitting is part of Plus (€3/month, currently free in beta)	Free with limits & ads; Pro ± €40/year
Entry limits	None	Limited number of free entries per day
Settling up	EPC QR — scan with your Belgian banking app and pay	Payment links mostly US-oriented (Venmo, PayPal)
Privacy	End-to-end encrypted; group members never see your bank data	Unencrypted on US servers, with ad profiling
Budget & insight	Fully included: categories, budgets, fixed costs, forecast	Splitting only — no budgeting features
Recurring group expenses	Yes — rent, subscriptions, any interval	Yes (Pro)
Languages	Dutch, French, English	English (limited translations)

Choose Splitwise if…

you run big international groups where everyone already has Splitwise — the network effect is real;
you settle up via Venmo or PayPal with American friends;
you truly only want splitting and never budget insight.

Choose piggyme if…

you settle up with Belgian or European friends — the EPC QR works with every Belgian banking app;
you are done with entry limits and ads in something that touches your money;
you want shared costs to show up in your own budget instead of living in a silo;
privacy matters: your group members never see your bank data, and everything is end-to-end encrypted.

The gist: Splitwise splits; piggyme splits and tells you what it costs you. If you are looking for a budgeting app anyway, the splitting comes included — instead of being a separate subscription.

Want to feel it?

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Third-party prices and features as described here may change; last checked July 2026.