I've Been Using the Wrong Expense App for Years—Splid Changed That Immediately

Jessica Santero Staff Writer

Updated 11 March 2026

Contents

Jump to:

Getting started with Splid
Track expenses in real time
Settling up and summaries
How WhistleOut reviews apps

I've been on multiple group trips, and I've used Splitwise every single time. I thought I knew exactly what expense-splitting apps were capable of—until I found Splid. I deleted Splitwise the same week. I even felt a small twinge of guilt for every friend I've ever made download something inferior.

Splid is completely free, requires no account, and still manages to outperform every other must-have travel app I've tested. It's one of those rare finds that makes you wonder why you ever settled for anything else.

Download Splid now:

Completely free for Android and iOS.
No premium tier.

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Getting started: No account needed

Here's what sets Splid apart from everything else: you don't need an account to use it. No email address, no password you'll forget three weeks after the trip, no setup screen asking for permissions before you've even opened the app properly.

You open Splid, create a group, give it a name, and add participants—either from your contacts or by typing names in manually. You can also generate a group code and let others join. I was tracking expenses in under two minutes. For a group trip where you're trying to get five people organized at once, that friction-free setup makes a real difference.

Splid expense breakdown showing a clear summary of who owes what

Creating a group in Splid takes less than a minute.
Image: Jessica Santero | WhistleOut

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Tracking expenses in real time

Tap the orange plus button to add a new expense, log a payment between group members, or add someone new to the split. Every expense updates in real time, so everyone in the group always sees an accurate running total—no one has to ask "wait, who paid for dinner?" at the end of the night.

Splid also handles mid-trip joiners correctly. If someone joins the group a few days into the trip, it doesn't apply earlier expenses to them. It only counts them in from the point they joined, which sounds like a small detail until you're the one who had to manually recalculate that in a spreadsheet on a previous trip.

Splid make group screen showing the group creation interface

Splid add expense screen showing the expense entry form

Adding an expense is straightforward: enter the amount, who paid, and how to split it.
Image: Jessica Santero | WhistleOut

Settling up and exporting your summary

When the trip ends, tap "Settle Up," and Splid calculates exactly who owes what to whom, minimizing the number of individual transfers so you're not all sending $4.50 to six different people. As each payment goes through, you tick it off and it disappears from your to-pay list. Clean, satisfying, done.

The expense summary export is the feature I didn't know I needed until I used it. Pull a full trip breakdown as a PDF or Excel file in seconds. I usually track travel spending in a running Google Sheet, but Splid's export is cleaner, faster, and honestly better-looking. It's the kind of feature that makes you realize how much unnecessary work you've been doing on every trip before this one.

Splid is completely free. No premium tier, no paywall on any feature that actually matters. It beats Splitwise, it beats Tricount, and it now lives permanently on my phone. Download it before your next trip and don't look back.

How WhistleOut reviews apps

Our mobile experts scour the app stores, looking for the best new apps for Android and iPhone. Before recommending an app, we use it for at least one full workday—and often much longer—testing core functionality and evaluating whether it delivers on its promises.

Easy to use
Great apps simplify your phone. We select tools that don't require a complicated instructional manual to figure out.
Affordability
We lean into quality apps that don't cost a fortune. Extra points if they're free.
Hands-on testing
We tested Splid while tracking real group expenses across a week-long trip to Dublin, Ireland.

Jessica Santero

Staff Writer

Jessica is a Staff Writer for WhistleOut and the site’s resident app expert. Her coverage frequently includes hands-on comparisons of popular app categories, such as translation, navigation, and dating apps, to evaluate how they perform in real-world mobile use.

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