The short answer
Both apps split bills and track who owes whom. The big difference is what you get without paying. On Splitwise’s free plan you can only add a few expenses a day (Splitwise says 4), you see ads, and receipt scanning, search and spending charts are locked behind Splitwise Pro, at around £40 a year. On Casamates, adding and splitting expenses is free and unlimited: no daily cap, no ads, nothing to watch or wait for. And because Casamates is built for people who live together, the same app also runs your recurring chores, shared shopping lists and household calendar.
Side by side
| Feature | Casamates | Splitwise |
|---|---|---|
| Built for | Flatshares and anyone who lives together | Any group splitting costs: trips, friends, couples, housemates |
| Expenses you can add for free | Unlimited, every day | A daily cap (Splitwise says 4 a day); Pro removes it |
| Ads | None | Yes on the free plan; ad-free needs Pro |
| Split bills and see who owes whom | Yes: evenly, by exact amounts, or one person covers it | Yes, with several split methods |
| Settle up | Yes, with reminders when balances build up | Yes |
| Receipt scanning, spending charts, expense search | Receipt scanning and spending insights are coming soon | Splitwise Pro only |
| Recurring chores with reminders | Yes | No, expenses only |
| Shared shopping lists | Yes, updating live | No |
| Household calendar | Yes, events, chores and payments together | No |
| Price | Free to download, with unlimited expenses and no ads | Free with limits; Pro is around £40 / $40 a year |
Splitwise details are from Splitwise's own help centre and Pro page, checked October 2026. Features and pricing can change.
Pick Splitwise if…
- You are splitting a one-off trip or night out with friends, not running a shared home.
- You already pay for Splitwise Pro and only ever track money.
Pick Casamates if…
- You want to log every bill as it happens, without a daily limit, ads or a subscription.
- You live together and the arguments are about more than money: bins, cleaning, who bought the milk.
- You want bills, chores, shopping and plans in one app instead of three.
- You want one shared place new flatmates can join on move-in day.
Questions people ask
Is Casamates a Splitwise alternative?
Yes. Casamates splits shared bills, tracks who owes whom and reminds people to settle up. Unlike Splitwise’s free plan, there is no daily limit on expenses and no ads. It also includes recurring chores, shared shopping lists and a household calendar, because it is built specifically for people who live together.
Does Splitwise have a daily expense limit?
Yes. On the free plan Splitwise limits how many expenses you can add each day; its help centre says 4. Once you hit the limit you have to wait for it to reset, ask someone else to add the expense, or pay for Splitwise Pro. Casamates has no limit on how many expenses you add.
Is Casamates free?
Yes. Casamates is free to download, and adding and splitting expenses is unlimited, with no ads and nothing to watch or wait for before you add a bill.
What is the best app for flatmates to split bills?
For a shared home, Casamates: you can log every bill without a daily cap or ads, and the same app organises chores, shopping and household plans. Splitwise works well for occasional trips, but its free plan limits how many expenses you can add each day and puts features like receipt scanning and search behind a paid plan.
Does Splitwise have a chore tracker?
No. Splitwise focuses on shared expenses. Households that want to track chores usually pair it with a separate to-do or chore app, or use an all-in-one household app like Casamates.
Run the whole flat from one app
Bills, chores, shopping and plans in one place. Free to download.