WinLife vs Splitwise.
Splitwise is the app most people use to split costs, and it's good at it. WinLife splits costs too, inside an app that also keeps your budget, net worth, photos and goals. Here's how they compare.
- Boat rentalYou paid · split 6 ways$1,260
- VillaJustin paid · split 6 ways$2,880
- Dinner in PalmaYou paid · you, Ethan, John$186
- Ethan → you$214 Venmo
- Garrett → you$210 Venmo
- Griffin → you$62 Venmo
WinLife and Splitwise, compared.
| What | WinLife | Splitwise |
|---|---|---|
| Expenses you can add | No limit | 4 a day on the free plan; no limit with Pro |
| Splitting | Evenly or exact amounts per person | Evenly, exact amounts, percentages and shares |
| Receipts | Photo kept with each expense | Pro scans and itemizes them |
| Currencies | US dollars | Pro converts between currencies |
| Settling up | Fewest payments, each with a Venmo link | Fewest payments (“simplify debts”), and records what was paid |
| Your share in your budget | Yes, on the day it happened | Charts of your spending with Pro |
| Trip photos in the same place | Yes | No |
| Phones | Any phone, installs to the home screen | iPhone and Android apps |
| Who can sign up | Invite only; friends join your groups free | Anyone |
Splitwise details from its help center, checked October 2026.
Pick Splitwise if…
Your trip spans currencies, your group is already on it, or you want a native Android app. Splitwise has done one thing for years and does it well.
Pick WinLife if…
You're tired of hitting a daily limit on day one of a trip, you want your share to land in your own budget, or you'd rather keep the trip's costs and photos in one place. Friends join your group free from a link.
Asked and answered.
Can I move my group from Splitwise?
Not automatically yet. Start a new group in WinLife for the next trip and settle the old one in Splitwise.
Is WinLife free?
Friends you add to a group join and use it free. WinLife itself is invite-only.
Keep reading.
Split trip costs
One group per trip. Everyone's balance keeps itself, then settle up with Venmo.
FeatureShared photo album
Everyone's photos and videos from the trip, in one place, from any phone.
FeatureNet worth tracker
Your net worth over time, against the target you set. Banks connect read-only.
FeatureHabit tracker
Daily or weekly habits, streaks that survive a sick day, goals that count themselves.
FeatureBudget tracker
Spending comes in from your bank on its own, against a yearly budget. See what you kept.
FeatureFinancial freedom
The number that makes work optional, and the date and age you reach each step.
FeatureWeekly planner
One focus, the to-dos that serve it, and a weekly review with a rating.
FeatureYear calendar
The whole year on one screen, with Google Calendar alongside, read-only.
FeatureWorkout tracker
A logger fast enough between sets, weigh-ins on a chart, and sleep from WHOOP or Oura.
CompareSplitwise alternative for trips
No daily limit on day one of the trip, Venmo to settle, and the photos in the same place.
FeatureLife goals & bucket list
Goals with a plan and milestones, a bucket list, and letters to friends or your future self.
FeatureFitness challenges
Count the group's miles, race on a leaderboard, and hold each other to it.
FeatureHealth trends
A calendar of every day you trained, your time by sport, your bests, and month-by-month sleep.
FeatureShared memories & letters
Collections with your crew, comments, the trip's playlists, and sealed letters to friends.
FeatureMoney reports
Every month, every year and all time: in, out, kept, and where it went.
FeatureTravel map
The countries and US states you've been to, filled in by your trips.
CompareWinLife vs your spreadsheet
One app instead of a spreadsheet, a notes app, a split app, a fitness app and a photo album.
Friends and family, by invite.
WinLife grows one invite at a time. Ask for yours.