Splitwise is a good app — but its free tier now caps how many expenses you can add per day and shows ads, and it can't settle up through Swish, Vipps or MobilePay. Kvitt is built in Sweden for groups across the Nordics — locals and expats alike: unlimited expenses, no ads, and when it's time to settle up, your payment app opens with the right amount and recipient pre-filled.
| Feature | Kvitt | Splitwise |
|---|---|---|
| Price | Free · Optional Plus | Free with limits · Pro approx. $40/year* |
| Expenses per day | Unlimited | Limited number on the free tier |
| Ads | None | Yes, on the free tier |
| Settle up with Swish | Right in the app | No Swish integration |
| Vipps & MobilePay | Right in the app | No integration |
| Receipt scanning | Included free | Pro feature |
| Norwegian, Danish & Finnish | Fully translated | Not available (English & Swedish are) |
| Simplified debts | Yes | Yes |
| Web version | No, app for iOS & Android | Yes |
* Prices and limits per Splitwise's official pages and store listings, August 2026 — may vary by country and change over time.
In Splitwise you make a note that someone paid — its payment integrations are US-centric (Venmo, PayPal) and don't reach the Nordics. In Kvitt you tap "Settle up" and Swish, Vipps or MobilePay opens with recipient, amount and message pre-filled.
Log the whole weekend's expenses in one go — no daily cap and no ads interrupting. The core of Kvitt is free, full stop.
Snap a photo of the receipt and the total, date and merchant are read automatically — no subscription required. In Splitwise, scanning sits behind Pro.
The whole app in English, Swedish, Norwegian, Danish and Finnish — so mixed groups of locals and expats can each use it in their own language. Splitwise offers English and Swedish, but not Norwegian, Danish or Finnish.
In all fairness: Splitwise has a web version that Kvitt lacks, many years of history, and payment integrations aimed at the US (Venmo, PayPal) plus bank-transfer settling in a handful of European countries — the Nordics not among them. If you live outside the Nordics or want to manage everything in the browser, Splitwise is still a good choice. If you split expenses with friends who use Swish, Vipps or MobilePay — Kvitt is built exactly for you.
Yes. The core — unlimited expenses, groups, receipt scanning and settling via Swish, Vipps or MobilePay — is free and ad-free. Kvitt Plus is an optional subscription that adds statistics, multi-currency, exact splits and CSV export.
There is no automatic import — Splitwise does not offer an import API. You can export your groups as CSV from the Splitwise web version for your records, then start a fresh group in Kvitt and invite everyone with a link.
Yes — the group's expenses sync live between members, so everyone needs the app. Joining takes under a minute via the invite link.
Splitting expenses and working out who owes whom works anywhere, and with Plus in other currencies too. The actual payment happens in Swish, Vipps or MobilePay — outside the Nordics you simply mark a payment as settled manually instead.
No. Kvitt has no ads and no tracking — not on the free tier and not in Plus.