What to look for in a Splitwise alternative
Splitwise is a well-known app for splitting group expenses. If you're looking for an alternative, it helps to be clear about what you need before comparing. These are the questions worth asking of any app:
- Which ways of splitting an expense does it offer, and can you split only among those who took part?
- How does it handle multiple currencies: does it convert them or keep them separate?
- Does it work offline, for example on a trip?
- What's included for free, does it have ads and how much is the paid plan?
- Do your friends need to create an account to take part?
- Is it only for shared expenses or also for your personal finances?
What Minkay offers, point by point
These are Minkay's answers to those questions. For Splitwise or any other app, check their official information and current terms; we don't make claims about third-party products.
- Split equally, by exact amounts or by percentages, only among those who took part.
- Debt simplification: the fewest payments to bring the group to zero.
- Multiple currencies without conversion: balances and debts are totaled and settled per currency.
- Works offline and syncs when you're back online.
- Free with no ads; optional Minkay Pro for S/ 14.90 per month, S/ 99 per year or S/ 249 lifetime (Peruvian soles, VAT included).
- Participants without an account who are linked when they sign up with the same email (conditions per plan on Plans).
- Personal finances in the same app: expenses, budgets, savings goals and loans.
What Minkay adds beyond splitting bills
Minkay's main difference is that it doesn't stop at the group. After the trip or the dinner, the same app tracks your personal expenses and income, category budgets, savings goals, loans with installments and recurring expenses, all per currency. There's also a read-only web dashboard at minkay.la with the same account.
For group trips, Minkay also includes a trip budget, the option to archive the trip and start another with the same people, and, with Pro, a shared group fund, a route optimizer and itinerary export. Minkay is made in Peru by Andeon Tech and is not affiliated with Splitwise; the name is used for reference only.