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Splitwise vs I Hate Money: catalog facts
Splitwise	I Hate Money
Freemium Free to use, with a paid PRO tier for receipt scanning, charts and currency conversion.	Free Free and open source, with a free hosted instance.
Android, iOS, Web	Web, Self-hosted
Equal, percentage or share-based splits Debt simplification across a group	Can be self-hosted Simple project-and-code model for groups
Receipt scanning and currency conversion require PRO Requires an account and cloud sync	Focused only on shared expenses, not full budgeting Minimal interface
Downloadable app, Web application, Hosted service	Web application, Self-hosted
Closed source	Open source
License not stated	License not stated
Account needed	Not stated if an account is needed
Works offline	Needs internet
Official website Full listing and sources Checked September 23, 2026	Official website Full listing and sources Checked September 24, 2026

Catalog facts only. Anything “not stated” is unconfirmed. Check full listings for details.