Commerce · alternatives · 2026

24 alternatives to Reclaim

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

Below are 24 products that do a similar job, ranked by how close each is in meaning and then by launch-day votes.

1. 1IS
   IOU – Split shared expenses▲82

   2019 · iou.ch · its alternatives →

2. 2
   MonAi▲100

   AI powered expense tracker

   2023 · get-monai.app · its alternatives →

3. 3
   IOU▲78

   A super simple way to split bills

   2019 · iou.ch · its alternatives →

4. 4
   Splitwise▲99

   Share bills and IOUs - make sure everyone gets paid back

   2014 · splitwise.com · its alternatives →

5. 5
   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 →

6. 6
   Let's Split▲89

   Share, track and settle group expenses all in one app

   2023 · letsplit.com · its alternatives →

7. 7
   Blahget▲100

   Voice-based AI expense tracker app

   2024 · apps.apple.com · its alternatives →

8. 8
   instatab▲73

   Split expenses effortlessly

   2023 · instatab.io · its alternatives →

9. 9
   instatab▲65

   Split expenses effortlessly

   2022 · instatab.io · its alternatives →

10. 10
    SplitIn▲20

    Effortlessly split expenses

    2025 · its alternatives →

11. 11
    Expense AI▲25

    Smart expense tracking with AI-powered receipt scanning

    2024 · expenseai.com · its alternatives →

12. 12
    Expense Easy: AI-Powered Expense Tracker▲7

    The smartest way to track your expenses

    2025 · expenseeasy.app · its alternatives →

13. 13
    How I Spend My Money▲25

    Track and control your money with just a picture

    2025 · howispendmy.money · its alternatives →

14. 14
    SplitMatePro▲3

    Split bills, track expenses, and settle up with friends.

    Jul 2026 · splitmatepro.com · its alternatives →

15. 15
    SharedBills▲7

    Privacy focused bill splitting

    2025 · sharedbills.app · its alternatives →

16. 16
    ExpenseBuddy▲2

    Manage, split, and budget money with AI — all in one place

    Dec 2025 · expensebuddy.it · its alternatives →

17. 17
    PayMeLater IOU Friend Debt Tracker▲7

    Split bills with multiple friends simply with Drag and Drop

    2024 · paymelater.app · its alternatives →

18. 18
    Splitiv▲9

    Split expenses, track balances, settle confidently

    Jul 2026 · splitiv.com · its alternatives →

19. 19
    Cost Share▲2

    The free, fastest way to split expenses with friends

    May 2026 · cost-share.app · its alternatives →

20. 20
    Billicious▲13

    Simplify group expense splitting

    2024 · its alternatives →

21. 21
    The Bill▲14

    AI-powered expense-splitting app

    2025 · thebill.dev · its alternatives →

22. 22
    Receiptist▲8

    AI Expense Tracker & Visual Budgeting inside Telegram

    Dec 2025 · receiptist.app · its alternatives →

23. 23
    Spendwise▲7

    Share expenses with ease

    2025 · play.google.com · its alternatives →

24. 24
    Expenses: Bill & Trip Splitter▲2

    Only app which has all of your expense tracking tools

    Jun 2026 · kavniktech.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 →