Rupya vs Splitwise
Splitwise focuses on shared expenses and who owes whom. Rupya connects shared costs with your own accounts and salary month. The better fit depends on how you and your group handle money.
Checked See official sources
Free during early access. No credit card. Web and Android APK today. iPhone is coming soon.
Rupya fits when…
- You want accepted group expenses alongside your income, accounts and personal spending.
- You want payday-based totals and a review step before shared costs enter your ledger.
- Your group uses one currency and you want UPI settlement for INR bills.
Splitwise fits when…
- Your friends already use Splitwise and you want to stay with that group.
- You need to keep several currencies in the same trip or friendship.
- You want additional split methods, recurring bills or Pro receipt scanning.
Feature by feature.
The details behind the decision. Shared strengths included.
| Feature | Rupya |  Splitwise |
|---|---|---|
| Shared expenses & balances | Built in Groups for trips, rent and everyday bills, with balances and settlement. | Built in Groups, friendships, shared expenses and debt simplification. 1 |
| How you split a bill | Built in Equal splits, exact amounts or shares. | Built in Equal, exact, percentage, share, adjustment and itemized splits. 2 |
| Your own money | Built in Personal account balances, income, expenses, transfers and savings goals. | Different approach Organized around shared spending and what people owe each other. 1 |
| From a group to your ledger | Built in Review a shared cost, choose its account and category, then accept your share into your ledger. | Different approach Expenses are organized in a shared group or friendship, with balances between people. 1 |
| Multiple currencies in a group | Not available Each group uses one currency. Automatic currency conversion is not available. | Built in Separate balances by currency. Converting to one currency is a Pro feature. 3 |
| Recurring expenses | Not available Add a bill when it happens; automatic repeats are not available. | Built in Recurring expenses are part of the published feature set. 1 |
| Receipt scanning | Not available Enter the amount and note yourself. Receipt scanning is not available. | Paid option Pro includes receipt scanning and itemization. 4 |
| Export | Built in Export your personal ledger to Excel or CSV. | Built in Export a group or friendship as a spreadsheet. Pro also offers a JSON account backup. 5 |
| Where you can use it | Different approach Web and Android APK today. iPhone is coming soon. | Built in Web, Android and iPhone. 1 |
“Not listed” means we did not find the feature in the cited documentation, rather than a claim about every version. Features can vary by platform and plan.
What about cost?
Know what you’re choosing, including what costs extra.
Rupya
Free during early access
No ads or credit card required. Personal accounts, shared expenses and web access are included during early access.
Start for freeSplitwise
Splitwise offers a free tier and a paid Pro subscription. Its help page currently lists four expenses a day for free users; Pro removes that limit and adds features such as receipt scanning and currency conversion. Check local subscription pricing in Splitwise. 4
Check current optionsA few things to know.
Do my friends need Rupya accounts?
Yes. Everyone in a Rupya group needs an account so the same shared expenses and balances are available to the group. Phone-only mode is for personal money.
Can I import a Splitwise group into Rupya?
Not currently. Rupya does not have a Splitwise import. You can keep your existing group history in Splitwise and try Rupya with a new group when you are ready.
What if our trip uses several currencies?
A Rupya group uses one currency. If you need several currencies in the same group, Splitwise supports that; its Pro plan also offers conversion to one currency.
Does Rupya pay my friends automatically?
No. For INR settlements, Rupya can open your UPI app with the payment details, or show a QR code on the web. You approve the payment in your UPI app, then record the settlement in Rupya.
Sources & notes
We checked Splitwise’s published documentation on . Rupya’s column describes the current product. Plan details can change; follow the publisher’s links for the latest.
- Splitwise: core features and platforms
- Splitwise: available split methods
- Splitwise: multiple currencies and conversion
- Splitwise Pro: features and free-tier expense limit
- Splitwise: spreadsheet exports and JSON backups
Splitwise and its logo belong to their respective owners. Rupya is independent and is not affiliated with or endorsed by Splitwise.
Try your next shared bill in Rupya.
Keep your existing group where it is. Start a new one in Rupya when everyone is ready.