PaisoCompare
How Paiso stacks up.
The everyday bill-splitting jobs, side by side with the apps you may already use. Details for the other apps come from their public listings and may change.
| Feature | Paiso | Splitwise | Settle Up | Splid |
|---|---|---|---|---|
| Price | Free, everythingNo ads, no paid tier | Free with a daily cap on new expensesPro about $5/month | Free + PremiumAbout $4/month | Free, one groupMore groups and export are paid |
| Ads | None | Yes on the free tier | Removed with Premium | None |
| Groups that sync for everyone | YesInvite by link, QR, email or text | Yes | Yes | Optional sync |
| Ways to split | Equal, exact, percent, shares, item by item | Equal, exact, percent, shares | Equal, exact, weights | Equal, exact, percent |
| Receipt scanning | FreeItems assigned per person, read on your phone | Pro feature | Premium stores photos | No |
| Currency conversion | Every currency, free | Pro feature | Included | Included |
| Settle in the fewest payments | Yes | Yes | Yes | Yes |
| Loans with interest | YesBetween friends, plus a Money Coach for bank loans | No | No | No |
| Personal spending & budgets | YesJust-me expenses, monthly and category budgets | No | No | No |
| Auto-capture payments | YesWallet and bank alerts, read on your phone | No | No | No |
| Siri / Hey Google | Yes"Split my last payment with Goa Trip" | No | No | No |
| Works offline | YesLocal-first; syncs when you're back | Limited | Yes | Yes |
| Export | CSV, free | Pro feature | Premium | PDF free, Excel paid |
| Web app | Not yet | Yes | Yes | No |
| Import from Splitwise | Not yet | — | Members and balances | No |
| Pay inside the app | No, by designPaiso is a ledger; it never touches your money | Via Venmo / PayPal | No | No |
Price
PaisoFree, everythingNo ads, no paid tier
- SplitwiseFree with a daily cap on new expenses
- Settle UpFree + Premium
- SplidFree, one group
Ads
PaisoNone
- SplitwiseYes on the free tier
- Settle UpRemoved with Premium
- SplidNone
Groups that sync for everyone
PaisoYesInvite by link, QR, email or text
- SplitwiseYes
- Settle UpYes
- SplidOptional sync
Ways to split
PaisoEqual, exact, percent, shares, item by item
- SplitwiseEqual, exact, percent, shares
- Settle UpEqual, exact, weights
- SplidEqual, exact, percent
Receipt scanning
PaisoFreeItems assigned per person, read on your phone
- SplitwisePro feature
- Settle UpPremium stores photos
- SplidNo
Currency conversion
PaisoEvery currency, free
- SplitwisePro feature
- Settle UpIncluded
- SplidIncluded
Settle in the fewest payments
PaisoYes
- SplitwiseYes
- Settle UpYes
- SplidYes
Loans with interest
PaisoYesBetween friends, plus a Money Coach for bank loans
- SplitwiseNo
- Settle UpNo
- SplidNo
Personal spending & budgets
PaisoYesJust-me expenses, monthly and category budgets
- SplitwiseNo
- Settle UpNo
- SplidNo
Auto-capture payments
PaisoYesWallet and bank alerts, read on your phone
- SplitwiseNo
- Settle UpNo
- SplidNo
Siri / Hey Google
PaisoYes"Split my last payment with Goa Trip"
- SplitwiseNo
- Settle UpNo
- SplidNo
Works offline
PaisoYesLocal-first; syncs when you're back
- SplitwiseLimited
- Settle UpYes
- SplidYes
Export
PaisoCSV, free
- SplitwisePro feature
- Settle UpPremium
- SplidPDF free, Excel paid
Web app
PaisoNot yet
- SplitwiseYes
- Settle UpYes
- SplidNo
Import from Splitwise
PaisoNot yet
- Splitwise—
- Settle UpMembers and balances
- SplidNo
Pay inside the app
PaisoNo, by designPaiso is a ledger; it never touches your money
- SplitwiseVia Venmo / PayPal
- Settle UpNo
- SplidNo
Other apps' details as listed on their stores and websites in November 2026. If we got something wrong, tell us at [email protected].