Splitwise’s free daily limit, and what to use instead

Splitwise introduced a daily limit on how many expenses a free account can add in 2023, alongside ads and a short wait between entries; removing it requires Splitwise Pro, a paid subscription. Users report the free cap at a few expenses per day, which is fine for a share house and useless on a trip, where a group can add ten lines before lunch. Zeroed has no accounts and no cap: a ledger is a link, anyone holding it can add lines, and the group settles in the fewest transfers.

Updated 2026-08-23.

What changed on Splitwise’s free plan?

From 2023, free Splitwise accounts hit a daily cap on adding expenses, with a countdown before the next one and ads between entries. The cap is not documented precisely by Splitwise and users report it at around three entries a day. Splitwise Pro removes it for a monthly or annual fee. (Reported by users across Reddit and app reviews; see the sources below.)

Why do trips hit the limit first?

A share house adds a bill or two a week. A trip adds the Airbnb, fuel, groceries, two dinners and lift passes on day one. Whoever is keeping the group honest runs into the cap within an hour and either pays or stops recording, and the ledger stops being true.

What does Zeroed do differently?

No accounts. A ledger is a link. Send it in the group chat and everyone is in.
No cap. Unlimited ledgers, people and lines, free.
Live. Add a line at the table and it appears on every phone holding the link.
Fewest payments. Balances collapse to the minimum set of transfers, and each one is a tappable reminder card.

What Zeroed does not do yet: receipt photos, currency conversion and exports. Those are planned for a paid tier for the organiser; the group never pays.

How to move a trip off Splitwise

Start a ledger with the same people.
Add the current Splitwise balances as one payment line per person so the history carries over, or just start fresh from today.
Send the link. Nobody downloads anything.

Sources

Start a ledger

Questions

How many expenses can you add on Splitwise for free?

Splitwise does not publish the number. Users report around three per day on the free plan since 2023, with a wait between entries.

Is Zeroed free?

Yes, for the group: unlimited ledgers, people and lines. A paid tier for the organiser (receipts, currency, exports) is planned.

Can I import my Splitwise history into Zeroed?

Not automatically. Add each person’s current balance as a payment line, or start fresh from the next expense.