Comparison
Splitwise alternative: splits the bills, then shows the month
Splitwise is excellent at one thing — keeping group IOUs straight. It is less good at the question behind the splitting: will the account survive the month? A dated cash flow calendar handles the household splits and then projects the balance, so the group math becomes a plan.
- Splits with dates
Shared expenses sit on the date they happen and flow into the projection.
- Recurring household bills
Rent and utilities split the same way every month, automatically.
- Free core
No premium wall for the basics — splitting and forecasting are free.
- The month, projected
After the splits, see which days the balance dips and plan around it.
Splitting is a means, not an end
Knowing who owes whom is useful; knowing the household can cover the month is essential. The calendar approach settles the IOUs as dated items and rolls them into the same projection that shows paydays, rent and the buffer.
Comparison
| Splitwise | Cashflow Calendar | |
|---|---|---|
| Core job | Track group IOUs | Dated household cash flow |
| Settlements | Debt tracking between people | Dated splits within the plan |
| Forecast | None | Projected balance by day |
| Pricing | Free with Pro tiers | Free core, one-time Pro |
Frequently asked questions
Is there a free Splitwise alternative?
Yes. Cashflow Calendar's calendar, splits and reports are free forever.
Can it track who paid for what?
Yes — shared accounts record each expense and who it belongs to, dated.
Does it work offline?
Yes, guest mode is fully offline.
Settle the IOUs, then plan the month
Free core, one-time Pro, no bank linking.