Comparison
Pivunio vs Splitwise
Two different answers to the same problem: Splitwise covers a wide range of features, some of them reserved for its Pro plan; Pivunio focuses on group accounts that stay quick to keep. Here is the comparison, criterion by criterion.
Verification date — Information checked on August 23, 2026 on the official Splitwise and Tricount websites.
Criterion by criterion
| Criterion | Pivunio | Splitwise |
|---|---|---|
| Getting started | In the browser, a first name is enough, invite by link; email optional to find your groups on another device | Website and mobile apps; sign-up requirements not verified |
| Expense limit | No entry limit | Free plan: up to 4 expenses added per day; unlimited with Pro |
| Split modes | Equal shares, exact amounts to the cent, percentages, weighted shares | Equal or unequal splits, percentages or shares |
| Participants per expense | Chosen expense by expense, including a sub-group | Not verified |
| Currencies | One currency per group (15 currencies); the original foreign amount is kept, with its converted value entered manually — no automatic rate | 100+ currencies; currency conversion included in Pro |
| Offline | Not offered today: a connection is required | Offline mode advertised |
| Receipts | Not offered today | Receipt scanning and itemisation in Pro |
| Insights and search | Not offered today: balances, history and repayments only | Charts and expense search in Pro |
| Import and migration | Not offered today | Bank or card transaction import in Pro, listed for the United States on their plan page |
| Settling up | Suggested repayments, recorded settlements, group archiving in read-only mode | Debt simplification and payment integrations |
| Pricing model | Free during the beta, with no artificial limits; no paid plan is sold today | Free plan capped by expenses per day, Pro subscription for unlimited use (price varies by country, not quoted here) |
No Splitwise Pro price is quoted here: it depends on the country and the plan.
Getting started and invitations
With Pivunio, whoever creates the group picks a name and a currency, then shares an invite link. Guests type their first name and take part straight away; adding an email address stays optional and only serves to find your groups on another device. Splitwise's sign-up requirements are not spelled out on the official sources we consulted, so we make no claim about them.
How precise the splits are
Both products go beyond equal shares. Splitwise advertises equal or unequal splits, by percentage or by shares. Pivunio offers four modes — equal shares, exact amounts to the cent, percentages and weighted shares — and lets you pick, for each expense, which participants are involved, something we could not formally verify on the Splitwise side.
Where Splitwise goes further
Receipt scanning with itemisation, charts, expense search, default split settings and bank transaction import (listed for the United States) belong to Splitwise Pro. Splitwise also highlights recurring expenses, an offline mode, 100+ currencies and payment integrations. Pivunio offers none of these today.
Who should choose what?
Splitwise if you track accounts all year with the same people, want scanned receipts and charts, and do not mind a subscription.
Pivunio if what you need is a group set up in a minute, with no expense cap, participants that change from one expense to the next, and repayments suggested then recorded before the group is archived.
Frequently asked questions
Does Pivunio scan receipts like Splitwise Pro?
No. Pivunio has no receipt scanning, no charts and no expense search today. Those features sit in the Splitwise Pro plan.
Does Pivunio convert currencies automatically?
No. A group has one currency, and an expense paid in another currency keeps its original amount alongside the converted value you type in yourself. There is no automatic exchange rate.
Does Pivunio work offline?
Not today: a connection is required. Both Splitwise and Tricount advertise an offline mode.
Official sources
Editorial review — Written and reviewed by the Pivunio team. The methods described here are the ones the app itself uses, and they are covered by automated tests.