Is Cotravel a free Splitwise alternative?

For trips, yes. Cotravel’s expense splitting and settle-up are free for everyone in the trip, with no daily limit on expenses and no ads. It focuses on trips rather than everyday household costs.

Does Cotravel limit how many expenses I can add?

No. There is no daily or per-trip limit on expenses in Cotravel.

Can I split a cost between only some people?

Yes. Each expense is split evenly between the people you pick, either the whole group or just the ones involved. Cotravel doesn’t do percentage or exact-amount splits.

Do my friends need Cotravel accounts?

No. Friends can join free from your invite link, and you can add anyone who doesn’t want an account by name so they’re included in splits.

Can I try it without signing up?

Yes. The free trip bill splitter at cotravel.me/tools/trip-bill-splitter splits costs and shows who owes whom with no signup, and you can share the result as a link.

Cotravel vs Splitwise

Splitwise is a dedicated expense-splitting app for any shared costs. Cotravel is a group trip planner with expense splitting built in: the money sits next to the itinerary, everyone’s flights and stays, and the group chat. Both work on the web, iPhone, and Android. Here’s how they compare for a trip with friends.

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At a glance

Feature	Cotravel	Splitwise
Price	Free for everyone in the trip	Free plan, plus a paid Pro subscription
Daily expense limit	None	The free plan limits how many expenses you can add per day; Pro removes it
Ads	None	Shown on the free plan
How costs are split	Evenly, across everyone or just the people involved	Evenly, by percentage, by shares, or by exact amounts
Who owes whom	One settle-up summary per trip; record payments as they happen	Balances per group and per friend; record payments
Friends without an account	Add them by name and include them in splits	Add them by name or email
Itinerary, flights, and stays	Built in: a shared day-by-day plan plus each traveler’s bookings	Not included
Group chat	Built into the trip	Not included (comments on individual expenses)
Best for	Planning and paying for a trip together	Ongoing shared costs, like roommates and households

Splitwise details from its public listings and reported plan changes, checked November 2026. Plans change, so check Splitwise’s site for current pricing and limits.

Choose Cotravel if…

You’re planning a trip and want the plan and the money in one place.
Your group adds a lot of expenses on busy travel days and doesn’t want to hit a cap or watch ads.
Not everyone in the group wants to pay for an app.
Even splits (across everyone or a subset) cover how your group shares costs.

Choose Splitwise if…

You split everyday costs that aren’t tied to a trip, like rent or utilities with roommates.
You need uneven splits by percentage, shares, or exact amounts.
You want one running balance with a friend across many groups and years.

Moving a trip from Splitwise to Cotravel

Settle up or note the current balances in Splitwise.
Create the trip in Cotravel and invite your group with a link. Add anyone who won’t sign up by name.
Add expenses from here on (or re-enter the trip’s open ones) and pick who each one is split between.
At the end of the trip, use the settle-up summary to see who owes whom, and record payments as they happen.

Questions

Is Cotravel a free Splitwise alternative?: For trips, yes. Cotravel’s expense splitting and settle-up are free for everyone in the trip, with no daily limit on expenses and no ads. It focuses on trips rather than everyday household costs.
Does Cotravel limit how many expenses I can add?: No. There is no daily or per-trip limit on expenses in Cotravel.
Can I split a cost between only some people?: Yes. Each expense is split evenly between the people you pick, either the whole group or just the ones involved. Cotravel doesn’t do percentage or exact-amount splits.
Do my friends need Cotravel accounts?: No. Friends can join free from your invite link, and you can add anyone who doesn’t want an account by name so they’re included in splits.
Can I try it without signing up?: Yes. The free trip bill splitter at cotravel.me/tools/trip-bill-splitter splits costs and shows who owes whom with no signup, and you can share the result as a link. Open the trip bill splitter.