01
Every bill split automatically
Not forced into an equal share. Each housemate holds a percentage of a bill, the percentages total 100%, and each share is worked out from the real bill amount, so it updates when the bill does.
All comparisons
Splitwise vs Taupia
Splitwise records who owes what for any shared cost. Taupia splits each household bill from its real amount, and compares and watches the bills themselves.
Get Taupia free
Free. Give your address for provider quotes in about two minutes, or upload a bill you already have.
- What gets split
Splitwise
Any shared cost you enter, bills included
Taupia
Each household bill, from the real bill amount
- The free tier
Splitwise
Up to four new expenses a day
Taupia
Free for every bill in the house
- Settling up
Splitwise
You record payments made outside the app
Taupia
Taupia chases shares; money moves outside it
01How Splitwise works, and what Taupia does
What are you actually buying from Splitwise?
Splitwise is a free app for iPhone, Android and the web that keeps a running tally of shared costs, from a dinner bill to the rent, and works out who owes whom. Bills can recur weekly, fortnightly, monthly or yearly. Free accounts can add up to four expenses a day; Splitwise Pro removes the limit and adds receipt scanning, currency conversion and charts.
In the UK it records payments rather than making them: its listing names Venmo and PayPal as US-only payment integrations and Paytm as India-only. The bill itself stays with whoever holds the account, so the amount Splitwise divides is whatever someone enters.
Taupia starts from the bill. It is free and compares energy, broadband and mobile, with two ways in: give it your address and provider quotes come back in about two minutes, or upload the bills you have and AI agents read the tariff, usage, contract end date and any exit fee. It recommends one deal with its reasons and changes nothing until you approve it.
Each household bill then splits on percentages the house sets, totalling 100%, worked out from the real amount so a share updates when the bill does. Water, council tax and TV Licence stay in view, though Taupia does not compare or switch them.
Cross-check The best bill-splitting apps for UK housemates
Who pays whom
02Supplier account setup
Taupia splits every bill automatically, and never moves the money.
An expense app divides whatever amount goes into it. A household bill still arrives in one person's name, often at a different amount each time. Here is what Taupia does with the split, and where it stops.
02
Taupia does the chasing
So nobody in the house has to be the one who asks. Each housemate repays the person the bill is in the name of directly, outside Taupia, and the share reads as settled once it has been repaid. Taupia sends reminders while a share is outstanding, and everyone sees the same shares and who has settled.
03
One housemate is the person the supplier bills
A utility account is usually opened in one person's name. That one named account holder is who the supplier bills, and the obligation to the supplier stays theirs whoever in the house has paid their share. Taupia can send a request to add further people to the account, but the supplier decides. If a share is late, Taupia flags it and sends reminders. It never moves money between housemates, and nothing it records changes what the named holder owes the supplier.
03Splitwise vs Taupia: pricing, liability and exit terms
What is actually different?
Start with the everyday question: what can you see before you choose, and who stays in control when a bill changes? Open any row for the provider's exact words.
| The question that matters | Splitwise | Taupia |
|---|---|---|
| What gets split | Splitwise Any shared expense you add, including bills that recur.Their exact words Any shared expense you add, in a group or between two friends, including bills that recur weekly, fortnightly, monthly or yearly. Splitwise keeps the running balances and can simplify the debts into the easiest repayment plan. Source apps.apple.com Checked 13 October 2026 | Taupia Each household bill, split from its real amount and chased with reminders.In Taupia's words Each household bill, split on percentages the house sets that total 100%. Each share is worked out from the real bill amount, so it updates when the bill does, and Taupia sends reminders while a share is outstanding. More on this How Taupia works |
| The free tier | Splitwise Four new expenses a day for free; Pro lifts the limit.Their exact words Splitwise says free users can add up to four expenses each day. Splitwise Pro removes the limit and adds receipt scanning, currency conversion, charts, search and default splits. Source kb.splitwise.com Checked 13 October 2026 | Taupia Free for the household, paid by provider commission on a switch.In Taupia's words Taupia is free for the household. A provider pays Taupia commission when a switch completes, and this page sets out what that means below. More on this Why Taupia is free |
| Settling up | Splitwise In the UK you pay elsewhere and record it in the app.Their exact words Splitwise lets you settle up by recording cash payments or using its integrations, which its listing names as Venmo and PayPal in the US and Paytm in India. In the UK, money moves outside the app and the payment is recorded in it. Source apps.apple.com Checked 13 October 2026 | Taupia No money moves through Taupia; shares read settled once repaid.In Taupia's words Taupia does not move money either. Each housemate repays the person the bill is in the name of directly, outside Taupia, and the share reads as settled once it has been repaid. More on this How Taupia works |
04Splitwise ownership, funding and disclosures
What does Splitwise publish, and what does it not?
Pro price on the UK App Store
The UK App Store lists Splitwise Pro in-app purchases from £2.79 to £47.99, and says subscriptions renew monthly or yearly depending on the plan, with pricing that may vary by country.
Source apps.apple.com Checked 13 October 2026
What Pro removes
Splitwise sells Pro with the line no limits and no ads, and lists a totally ad-free experience among its Pro features, alongside unlimited expenses, receipt scanning, currency conversion, charts, expense search and default splits.
Source splitwise.com Checked 13 October 2026
Recurring bills
Its UK App Store listing says you can create bills that recur weekly, fortnightly, monthly or yearly.
Source apps.apple.com Checked 13 October 2026
3 more from Splitwise's own site, each with its source
Account model An expense-sharing app. Splitwise records what each person paid and owes, can simplify debts into the easiest repayment plan, and lets you add informal debts and IOUs. Settling up means recording a payment or using one of its integrations.
Source apps.apple.com Checked 13 October 2026
Coverage Any shared expense, on iPhone, Android and the web: Splitwise says it is free on all three.
Source splitwise.com Checked 13 October 2026
Who makes Splitwise Splitwise's website footer says it is made in Providence, Rhode Island, in the USA.
Source splitwise.com Checked 13 October 2026
05Splitwise's own claim, checked
Is Splitwise free?
Claim check
Splitwise says
“Free for iPhone, Android, and web.”
What else it publishes
Free to use, with a daily limit. Splitwise's help centre says free users can add up to four expenses each day, and that Splitwise Pro, its paid subscription, removes the limit.
Source splitwise.com Checked 13 October 2026
06Who Splitwise suits, and who Taupia suits
When is Splitwise the better answer?
Choose Splitwise if
Most of what you share is not a household bill: food shops, nights out, trips and the rent all go in one running balance, with the debts simplified into the easiest repayment plan.
Your group spans more than one home or more than one currency: Splitwise works between any friends, and Pro converts expenses into your default currency.
You only need the tally: if the bills are already on deals you are happy with, Splitwise's free tier covers up to four new expenses a day.
Choose Taupia if
The shared costs are mostly the household bills, and you want each share worked out from the real bill amount rather than typed in each time it changes.
You want the bills themselves looked after: Taupia compares energy, broadband and mobile from your address or your own bills, recommends one deal with its reasons and changes nothing until you approve it.
You want someone else to do the chasing: Taupia sends reminders while a share is outstanding, and everyone sees the same shares and who has settled.
07Taupia's own limitations
What do you give up by choosing Taupia?
Taupia does not bundle your payment. It helps you set up directly with each provider, then splits and manages it all with the prices in view, which is why it costs you nothing. Here is what that route does not give you.
Taupia is built around the household bills. It splits each one from its real amount and compares energy, broadband and mobile, but it does not compare or switch water, insurance, credit, savings or mortgages, and it does not move money between housemates.
A provider pays Taupia commission when a switch completes. On energy and gas the rate is the same whichever supplier you pick, so an energy recommendation does not pay Taupia more one way or the other. Broadband and mobile rates vary a little. The full list it recommends from is the suppliers Taupia supports, published on its supported suppliers page.
08Splitwise questions answered
What else should you check before signing?
Can Splitwise pay the bill for you?
No. Splitwise records shared costs and who owes whom. In the UK, paying a housemate back happens outside the app and is recorded in it, because its payment integrations are Venmo and PayPal in the US and Paytm in India. The supplier is paid by whoever holds the account. Taupia does not move money either: housemates repay the account holder directly.
Can you use Splitwise and Taupia together?
Yes, and they overlap less than it looks. Splitwise suits the mixed costs of sharing a home, such as food, nights out, trips and the rent. Taupia covers the household bills themselves: it splits each one from the real amount, compares energy, broadband and mobile, and flags contract end dates. A house can keep the bills in one and everything else in the other.
Is Splitwise or Taupia better for students?
It depends on what the house shares. A house splitting food, trips and the rent alongside the bills may want Splitwise's running balance, which is free for up to four new expenses a day. A house whose main shared costs are energy, broadband and mobile gets those compared and split from the real bill in Taupia, free. Neither moves money between housemates in the UK.
09Deciding between Splitwise and Taupia
So what should you do next?
Splitwise keeps the tally for any shared cost. Taupia starts from the bills themselves, splits each from its real amount and keeps the contracts behind them in view.
Get Taupia free
Free. Give your address for provider quotes in about two minutes, or upload a bill you already have.
GET STARTEDReady to sort your home admin?
Ready to sort your home admin?
Start in minutes.
Add your bills or start from your new address. Taupia helps you get organised, see what you pay and act when there is something worth reviewing.
Taupia is free to use. Add your first bill, or start from your new address, in minutes.
Available on iOS and Android.
- Taupia is free to use
- Takes minutes to begin
- Bills in one place
- You approve what happens