Split expenses with friends, settle instantly via UPI, and track your own spending — all in one app. No paywalls. No ads. No nonsense.
If you've used Splitwise, you've hit at least one of these walls.
Mid-trip. No warning. Pay up or lose access. Classic freemium bait-and-switch.
Constant manual follow-ups with no easy way to push a payment request via UPI.
You still copy-paste amounts into GPay yourself. It completely defeats the purpose.
Expense splitters don't tell you where your own money goes. SpendSync does.
A free group expense splitter and personal finance tracker designed for Indian users. It doesn't just track who owes whom — it helps you settle instantly and understand your own spending.
Group Expense Splitting
Trips, flatmates, office — split instantly and fairly every time
One-tap UPI Settlement
Opens GPay / PhonePe with amount pre-filled. Done in 3 seconds.
Smart Debt Simplification
Minimum transactions to fully settle all group balances
Personal Finance Tracking
Track income and monthly spending alongside group expenses
See exactly what you get — and what you don't.
| Feature | SpendSync Recommended | Splitwise |
|---|---|---|
| Price | 100% Free | Free + Paid tiers |
| UPI Integration | ✅ One-tap deep link | ❌ Not available |
| Personal Finance Tracking | ✅ Built-in | ❌ Not available |
| Debt Simplification | ✅ Advanced algorithm | Basic |
| Ads | ✅ None, ever | Yes (free plan) |
| Built for India | ✅ Yes | ❌ No |
| App Download Required | ✅ No — works as PWA | Yes |
| Expense Limits | ✅ Unlimited | Limited on free plan |
Most apps stop at showing balances. SpendSync takes you all the way to done.
Tap "Settle"
One button. No manual amount entry or copy-pasting required.
Your UPI app opens
Amount pre-filled. Works with Google Pay, PhonePe, Paytm.
Pay → Balance clears instantly
No screenshots. No awkward reminders. Everyone moves on.
Most apps aren't really free. SpendSync is.
Add as many groups and expenses as you want. No upgrade prompts mid-trip.
We don't sell your data or share it with third parties. What you track stays private.
UPI settlement, debt simplification, personal tracking — all free from day one.
Here's what they say.
"We stopped using Splitwise mid-trip. SpendSync is way simpler — the UPI integration is a game changer. No more awkward payment reminders."
Rohan M.
B.Tech Student, IIT Delhi
"Finally understood where my money goes every month. The personal tracking + group splitting combo is something no other free app offers."
Priya S.
Software Engineer, Pune
"Used this for our Manali trip with 9 people. Debt simplification meant we needed only 4 payments instead of 18. Genuinely impressive."
Arjun K.
Product Manager, Bengaluru
"Our hostel group has been using it for 8 months. Never hit a limit, never seen an ad. I keep recommending it to everyone I know."
Sneha T.
MBA Student, Ahmedabad
Everything you need to know before switching.
Join 12,000+ users who've already switched from Splitwise.
No signup required · Works instantly · No download needed