Alternative
Splitwise is great for splitting bills. LedgeKar does that — and adds budgets, savings goals, a debt payoff planner, and an AI financial advisor. No ads on the free tier, and UPI settle in one tap for India.
Free to start. No card. No ads, ever.
Splitwise is the go-to bill splitter for millions of people. But once you have settled up, Splitwise does nothing for your personal finances. You still need a separate budget app, a separate investment tracker, and something to remind you about the EMI you forgot.
LedgeKar is a Splitwise alternative that does the splitting and the personal finance together. Log shared expenses, settle over UPI in one tap, then see how the spend fits your monthly budget — all in one place.
LedgeKar is also free to use, with no ads on the free tier. Splitwise Free has ads and limits; Splitwise Pro costs around $3.99/month. LedgeKar gives you more for free, including budgets, savings goals, and a debt payoff tracker.
| Feature | LedgeKar | Splitwise |
|---|---|---|
| Bill splitting | Free, unlimited groups | Free (with ads) or Pro from $3.99/mo |
| Ads on free tier | No ads, ever | Yes — free tier has ads |
| UPI settle in one tap | Built in — opens GPay, PhonePe etc. | No UPI support |
| Monthly budgeting | Envelope budgets included | Not available |
| Savings goals | With Monte Carlo forecast | Not available |
| Debt payoff tracker | EMI + prepayment planner built in | Not available |
| AI financial advisor | Read-only AI coach over your ledger | Not available |
| Investment tracking | FDs, SIPs, stocks, digital gold | Not available |
| Splitwise CSV import | Yes — import in 60 seconds | N/A (it is the source) |
Competitor details are accurate to the best of our knowledge at publication and may change. Always check the latest from each provider.
Stop copying your split data into a spreadsheet. LedgeKar connects your group expenses to your monthly budget automatically.
Indian users settle over UPI directly from the app. No copy-pasting account numbers, no asking for IFSC codes.
Splitwise Free has banner ads. LedgeKar has none, and never will — it is funded by supporters, not advertisers.
Most Splitwise users eventually want budgeting too. LedgeKar includes it free, so you are not paying twice for two different apps.
Splitwise has a larger existing user base, which matters if your friend group is already on it. Its multi-currency support for international groups is mature, and the iOS and Android apps are highly polished. If your only need is splitting with friends who already use Splitwise, sticking with it is completely reasonable. LedgeKar is the alternative for people who want splitting plus a full personal finance layer, with no ads and UPI built in.
Split bills, budget, and plan your goals — free, no ads, UPI built in. No card needed to get started.