Life & fun · alternatives · 2026

IOU is an expense-splitting app that helps groups manage shared costs. It tracks who paid for what and automatically calculates how much each person owes or is owed, making it easy to settle debts fairly among friends… Below are 24 products that do a similar job, ranked by how close each is in meaning and then by launch-day votes. IOU – Split shared expenses launched in 2019; newer entries below may have overtaken it.

1. 1
   IOU▲78

   A super simple way to split bills

   2019 · iou.ch · its alternatives →

2. 2
   Splitwise▲99

   Share bills and IOUs - make sure everyone gets paid back

   2014 · splitwise.com · its alternatives →

3. 3
   Let's Split▲89

   Share, track and settle group expenses all in one app

   2023 · letsplit.com · its alternatives →

4. 4
   Spend Together▲76

   Split bills in a group of friends painlessly

   2019 · apps.apple.com · its alternatives →

5. 5
   Let's Split▲86

   Split and pay group expenses

   2023 · letsplit.com · its alternatives →

6. 6
   Reclaim▲6

   Track IOUs, split costs, and reclaim what's yours.

   May 2026 · getreclaim.app · its alternatives →

7. 7
   Splitser▲119

   Easily split and settle group expenses

   2023 · splitser.com · its alternatives →

8. 8
   Splitty for Telegram▲89

   Helps with managing shared expenses

   2017 · t.me · its alternatives →

9. 9
   Splitwise 5.0▲164

   Split expenses with friends

   2019 · splitwise.com · its alternatives →

10. 10
    SplitMyExpenses 2.0▲108

    Hey HN I'm Brad, the creator of SplitMyExpenses (SME)! I've always dreaded splitting expenses with friends after meals, so I'd usually do it as a batch process after a few weeks. I always dreamed of a tool that fit that workflow seamlessly and couldn't find it, so I did the thing most software tinkerers do, build your own tool! It has evolved substantially over the past few years, from a side project that almost never made it out the graveyard, to a polished web app with powerful API integrations and even AI! Splitting expenses sounded simple up front, but a few challenges worth calling out:…

    2023 · splitmyexpenses.com · its alternatives →

11. 11
    Bill Split - Money Splitting App▲13

    Share Bills & Track Expenses

    2025 · its alternatives →

12. 12
    instatab▲73

    Split expenses effortlessly

    2023 · instatab.io · its alternatives →

13. 13
    Split Bill Calculator▲16

    Free fair & simple expense sharing with no signup required

    2025 · its alternatives →

14. 14
    Billicious▲13

    Simplify group expense splitting

    2024 · its alternatives →

15. 15
    PayMeLater IOU Friend Debt Tracker▲7

    Split bills with multiple friends simply with Drag and Drop

    2024 · paymelater.app · its alternatives →

16. 16
    SplitIn▲20

    Effortlessly split expenses

    2025 · its alternatives →

17. 17
    Zblit▲64

    Next generation expense splitting tool

    2019 · zblit.ca · its alternatives →

18. 18
    Splittio▲9

    The simplest way to split bills with friend

    Jan 2026 · splittio.net · its alternatives →

19. 19
    Splity - Group expenses▲5

    Split bills and costs

    2023 · apps.apple.com · its alternatives →

20. 20
    FreeSplit▲29

    Free group expense splitting without limits.

    2025 · freesplit.ca · its alternatives →

21. 21
    Spliteo▲3

    The most powerfull and simple expense sharing app

    Jan 2026 · spliteo.app · its alternatives →

22. 22
    Splitro▲8

    Simplify shared expenses

    2025 · its alternatives →

23. 23
    Expenseek▲6

    Seek clarity in every shared expense

    Mar 2026 · expenseek.com · its alternatives →

24. 24
    Spendwise▲7

    Share expenses with ease

    2025 · play.google.com · its alternatives →

Ranked by how close each launch is in meaning, then by votes. Prices were read from each product’s own site when checked and can change. Refine with your own description →