The Free, Open Alternative to Splitwise
Splitwise was great until it capped free users to 3 expenses per day, forced 10-second video countdowns, and began charging ₹3,000/year. TracXpense was engineered as the solution.
The 3-Expense Daily Cap
Went on a weekend trip with friends? With Splitwise, after logging morning coffee, lunch, and an auto ride, you are blocked from entering dinner unless you pay for Pro or wait 24 hours.
Unlimited daily expenses. Log as many transactions as you want every day. Up to 2 active groups on Free, or unlimited groups with Pro. Zero artificial caps, zero paywalls on basic splits.
Aggressive Video Ads
Every time you tap to save a bill, you are forced to stare at animated full-screen ads and wait for a countdown timer just to exit.
Zero advertising. No banner ads, no popups, no countdown timers, and no third-party ad network tracking.
Mysterious Balance Changes
When a roommate edits an old bill or alters a split, Splitwise offers little clarity on what actually changed, leading to uncomfortable disagreements.
Tamper-evident ledger. Every single edit or deletion is recorded with an immutable SHA-256 hash and full revision history.
Why People Are Leaving Splitwise
We didn't build TracXpense to sell you a ₹3,000/year subscription or lock you behind 10-second video countdowns. Compare our transparent Free tier, optional Pro upgrade, and Splitwise.
| Feature |  TracXpense Free | RECOMMENDED TracXpense Pro | Splitwise Free / Pro (₹3,000/yr) |
|---|---|---|---|
| Daily Expense Limits | Unlimited (zero daily caps) | Unlimited (zero daily caps) | Capped at 3 expenses / day |
| Advertisements & Timers | Zero ads, zero timers | Zero ads, zero timers | 10s wait timers & full-screen ads |
| Active Shared Groups | Up to 2 active groups | Unlimited active groups | Unlimited (with ad interruptions) |
| Splitwise 1-Click Migration | Manual entry | Full CSV import & past balances | No migration tools |
| Indian UPI & Dynamic QR | Direct GPay, PhonePe, Paytm & QR | Direct GPay, PhonePe, Paytm & QR | Generic web link, no dynamic QR |
| Multi-Payer & Split Modes | Equal & exact rupee splits | Multi-payer, % splits & shares | Clunky / limited multi-payer |
| Tamper-Evident Audit Trail | SHA-256 cryptographic seal | SHA-256 seal + 30-day trash restore | Basic activity log, no crypto seal |
| Spending Analytics | Current month breakdown | Deep 12-month category analytics & charts | Paywalled in Splitwise Pro |
| Themes & Aesthetics | Aura Dark & Light | All 6 Aura palettes + OLED Pure Black | Standard basic theme |
| Pricing & Value | ₹0 Free Forever | ₹59/mo, ₹499/yr, or ₹999 lifetime | ₹3,000/year (Splitwise Pro) |
Import Your Splitwise Groups in 60 Seconds
Don't want to start from scratch? With TracXpense Pro, use our 1-click Splitwise CSV importer. Export your existing group from Splitwise, upload the CSV into TracXpense, and map your friends in one step.
- ✓ All past balances & transaction history imported
- ✓ Auto-match existing group members
- ✓ Zero mathematical drift
Everything You Need to Know
Clear answers about pricing, ledger integrity, UPI settlements, and privacy.
Is TracXpense really free to use?
Yes! The essential expense splitting loop is 100% free forever: you can record unlimited expenses, split with friends, and settle up via UPI with zero ads, zero 10-second timers, and zero daily caps. For power users who want 1-click Splitwise migration, unlimited active shared groups, deep 12-month analytics, and custom themes, we offer TracXpense Pro starting at ₹59/month or a one-time ₹999 lifetime pass.
How does TracXpense compare to Splitwise?
Splitwise now limits free users to 3 expenses per day, forces you to wait for 10-second countdown ads, and charges a high recurring fee. TracXpense was engineered as an antidote: unlimited free splits, multiple payers per transaction, instant UPI settlements, and a cryptographic hash-chained activity log so no one can secretly alter balances.
What is a tamper-evident hash-chained ledger?
Every transaction, split update, or settlement generates a SHA-256 cryptographic seal linking to the previous entry. If someone edits an old bill or changes the split percentages, TracXpense highlights the exact change and flags any discrepancy. You get complete mathematical peace of mind.
Can one bill be paid by multiple people?
Yes! In real life, one friend might pay ₹1,500 by card while another covers ₹900 in cash. TracXpense lets you assign exact amounts to multiple payers on a single bill, and then splits the total among all members according to your rules.
How does settling up via UPI work?
When you tap "Settle Up", TracXpense can open your installed UPI app (Google Pay, PhonePe, Paytm, or CRED) pre-populated with your friend’s UPI VPA and the exact balance amount. You can also generate a dynamic UPI QR code on your screen for friends to scan on the spot.
Can I split bills unequally or by percentage?
Absolutely. You can split bills equally, by exact currency amounts, by percentages, or by shares (e.g. 2 shares for couples, 1 share for singles). Everything is computed with integer arithmetic down to the exact paisa, preventing 1-cent rounding errors.
Can I keep private personal expenses in TracXpense?
Yes. Every user gets a dedicated "Personal Space" alongside their shared group accounts. You can track your daily coffee, groceries, and personal shopping privately with full category analytics.
Does TracXpense work outside India?
Yes. While TracXpense has first-class UPI support for India, it supports 35 international currencies (USD, EUR, GBP, JPY, AUD, CAD, SGD, AED, etc.) with exact minor unit calculations.
Ready to Split Bills Without Limits or Paywalls?
Download TracXpense now. No credit card, no password setup, no ads, and no 3-bill caps. Ever.
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