Splitwise settles who owes whom. Mitten runs the money you share.
Upload a statement and Penny names and sorts every line, so everyone at home sees where the money went, what is left this month and how the debts come down. Nobody types in a receipt, and up to five people share one price.
Free for 14 days, no card needed.
An example statement in pounds, read by Penny for Priya, Tom and Ana. The line PAYPAL *SPOTIFYP3A9 becomes Spotify, 17 pounds 99, which Penny suggests moving from Other to Subscriptions at 94 percent confidence, with a confirm waiting beside it. SAINSBURYS S/MKT 0412 becomes Sainsbury's under Groceries, and OCTOPUS ENERGY DD 8817 becomes Octopus Energy under Utilities.
Five reasons households pick Mitten over Splitwise.
A budget the whole house plans against.
Mitten's setup starts each envelope from what the household really spent in past months. Each one shows what is left, next to the days left in the month, so the question at home becomes whether this month is on plan.
Splitwise: Keeps track of shared expenses, balances and who owes who, and records the payments when you settle up.
Nobody logs an expense.
Upload the month's PDF or CSV statement and every card payment, direct debit and transfer arrives at once. Penny turns ‘PAYPAL *SPOTIFYP3A9’ into Spotify under Subscriptions and asks about anything she isn't sure of.
Splitwise: You add each expense. Free accounts can add up to four a day; Pro lifts the limit and imports card transactions in select countries.
See where the household's money goes.
Every statement you bring in adds to one picture of the household's spending, by category and by month, so you know what groceries really cost all of you and whether this month is running ahead of the last.
Splitwise: Charts of spending by category and over time come with Pro.
Envelopes and a debt plan in one place.
The card balances and loans you carry get an avalanche or snowball plan with the month you would be debt-free, next to the budget that pays for it. Penny spots the payments in your first statement and asks which ones are debts.
Everyone at home, in one household.
Up to five people, each with their own login, share one ledger and see who added each line. Each person uploads their own statement, so nobody chases anyone for receipts.
Splitwise: Expenses live in groups: trips, housemates, friends and family.
Mitten is $12 a month or $89 a year for the whole household, up to five people. Splitwise is free for up to four expenses a day, and Pro lifts that limit. Split between three of you, the yearly plan comes to $2.47 a month each, with the budget, the debt plan and Penny included.
What the plan includesMitten and Splitwise, row by row.
- Price
Mitten
$12 a month or $89 a year, for up to five peopleSplitwise
Free for up to four expenses a day. Pro removes the limit.- What it answers
Mitten
Where did the household's money go, and is this month on plan?Splitwise
Who owes whom, and how do we settle up?- How expenses get in
Mitten
Upload a PDF or CSV statement. Penny names each line and suggests a category, and asks about the ones she is unsure of.Splitwise
Added one by one. Pro scans receipts and imports card transactions in select countries.- Settling up
Mitten
Shows who added each line. Mitten keeps no running balance between people.Splitwise
Records cash and online payments. Splitwise Pay, for US residents, sends them in the app.- Budgeting
Mitten
Envelopes started from your past months, zero-based, 50/30/20 or your own splitSplitwise
Spending totals and categories. Pro adds charts by category over time.- Debt payoff
Mitten
An avalanche or snowball plan for the debts you add, with the month you would be debt-freeSplitwise
Records what people owe each other- Who it is for
Mitten
One household of up to five, each with their own loginSplitwise
Groups for trips, housemates, friends and family- Currencies
Mitten
Spending in another currency is converted into your household's currency at that day's rateSplitwise
100+ currencies, with conversion on Pro
| What you are comparing | Mitten | Splitwise |
|---|---|---|
| Price | $12 a month or $89 a year, for up to five people | Free for up to four expenses a day. Pro removes the limit. |
| What it answers | Where did the household's money go, and is this month on plan? | Who owes whom, and how do we settle up? |
| How expenses get in | Upload a PDF or CSV statement. Penny names each line and suggests a category, and asks about the ones she is unsure of. | Added one by one. Pro scans receipts and imports card transactions in select countries. |
| Settling up | Shows who added each line. Mitten keeps no running balance between people. | Records cash and online payments. Splitwise Pay, for US residents, sends them in the app. |
| Budgeting | Envelopes started from your past months, zero-based, 50/30/20 or your own split | Spending totals and categories. Pro adds charts by category over time. |
| Debt payoff | An avalanche or snowball plan for the debts you add, with the month you would be debt-free | Records what people owe each other |
| Who it is for | One household of up to five, each with their own login | Groups for trips, housemates, friends and family |
| Currencies | Spending in another currency is converted into your household's currency at that day's rate | 100+ currencies, with conversion on Pro |
Splitting, budgeting, or both?
- Can Mitten split bills 50/50 or by income?
- Mitten shows who added what and the household's totals, which is what you need to agree a split, but it keeps no running balance between you. Plenty of couples pick a split, pay into a shared pot and stop tracking IOUs at all. Our guide to splitting bills works through 50/50, by-income and hybrid splits with real numbers.
- Can we use Splitwise and Mitten together?
- Yes. Splitwise for trips and friends, where evening up is the job. Mitten for the home you share, where the budget and the debt plan are.
- Is Splitwise free?
- Its knowledge base says free accounts can add up to four expenses a day. Pro lifts that limit and adds receipt scanning, card import in select countries, charts and currency conversion.
Sources
Every Splitwise detail on this page comes from these pages, read on . Prices and features change, so their site has the final word.
See your shared month in one place.
Free for 14 days, no card needed.