Personal Finance · head to head
Mint vs Splitwise
The short version
- Each has a real cost: Mint service transitioned to Credit Karma platform; standalone Mint features migrated elsewhere; Splitwise the free tier limits how many expenses can be added in a day and shows adverts
- They diverge on capability: Mint covers Budgets, Splitwise covers Bill splitting.
Where they differ
Only the attributes on which Mint and Splitwise actually diverge.
Identical on both: starting price (Free), free tier (Yes), platforms (Web, iOS, Android), user rating (Not yet rated), category (Personal Finance).
What each one covers
Drawn from each product's published feature list. An absence here means we hold no record of it - not that the product lacks it.
Only in Mint
- Budgets
- Bill tracking
- Credit score monitoring
- Financial insights
- Bank connections
- Bank-level encryption
- Verisign secured
- Ios support
Only in Splitwise
- Bill splitting
- Group management
- Settlement tracking
- Venmo
- PayPal
- IOS support
Both cover
- Expense tracking
- Web support
- Android support
What people use each for
The jobs each tool is most often brought in to do.
Mint
- Legacy free budget tracking for users with supported bank connectionsnot Splitwise
- Users transitioning to Credit Karma for continued money management featuresnot Splitwise
Splitwise
- Splitting shared household bills between flatmatesnot Mint
- Tracking who owes what on a group tripnot Mint
- Settling up across currencies on the Pro plannot Mint
- Recording IOUs between friends over timenot Mint
Where each one falls short
Documented limitations, not opinions. Every one is a constraint you would hit in normal use.
Mint
- Service transitioned to Credit Karma platform; standalone Mint features migrated elsewhere
- Bank connections supported for only 17,000 financial institutions; many regional or international banks not supported
Splitwise
- The free tier limits how many expenses can be added in a day and shows adverts
- Transaction import works in the United States only
- Currency conversion, receipt scanning, charts and expense search are all Pro features
- The Pro price is not shown on the product page
Pricing, plan by plan
Mint
FreeNo published plan breakdown. See the Mint review.
Splitwise
Free- FreeFree
- Bill splitting
- Group tracking
- Mobile app
- Splitwise Pro$4.99/month
- Receipt scanning
- Advanced analytics
- No ads
Which should you pick?
Choose Mint if
- You need budgets.
- You want to start without paying.
- You work on Web, iOS, Android.
- You also want bill tracking.
Choose Splitwise if
- You need bill splitting.
- You want to start without paying.
- You work on Web, IOS, Android.
- You also want group management.
Questions people ask
- Is Mint or Splitwise better?
- Neither clearly leads. Mint starts at Free and Splitwise at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
- Which is cheaper, Mint or Splitwise?
- Mint starts at Free and Splitwise at Free.
- Does Mint or Splitwise run on more platforms?
- Mint runs on Web, iOS, Android. Splitwise runs on Web, IOS, Android.
- Can I use Mint for free?
- Both have a free tier, so you can try either at no cost before committing.
- What is Mint best used for?
- Mint is most often used for legacy free budget tracking for users with supported bank connections, users transitioning to credit karma for continued money management features. Of those, legacy free budget tracking for users with supported bank connections and users transitioning to credit karma for continued money management features are not what Splitwise is typically brought in for.
- What can Mint do that Splitwise cannot?
- Mint covers Budgets, Bill tracking, Credit score monitoring, Financial insights. Splitwise covers Bill splitting, Group management, Settlement tracking, Venmo. Both handle Expense tracking, Web support, Android support.