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Personal Finance · head to head

Moneydance vs Splitwise

Moneydance logo

Moneydance

Personal Finance

Cross-platform personal finance management

From
On request
Rated
-
Full reviewWebsite
Splitwise logo

Splitwise

Personal Finance

Split expenses easily with friends

From
Free
Rated
-
Full reviewWebsite

The short version

  • Only Splitwise has a free tier, so it costs nothing to try first.
  • Each has a real cost: Moneydance the free trial is limited to 100 manually entered transactions; Splitwise the free tier limits how many expenses can be added in a day and shows adverts
  • They diverge on capability: Moneydance covers Bill tracking, Splitwise covers Bill splitting.
  • Prices and features above were last checked on 30 August 2026.

Where they differ

Only the attributes on which Moneydance and Splitwise actually diverge.

Attributes where Moneydance and Splitwise differ
AttributeMoneydanceSplitwise
Starting priceOn requestFree
Pricing modelone-timefreemium
Free tierNoYes
PlatformsWindows, Mac, Linux, IOS, AndroidWeb, IOS, Android
Founded20012011

Identical on both: 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 Moneydance

  • Bill tracking
  • Investment monitoring
  • Budget tracking
  • Financial forecasting
  • Bank accounts
  • Investment accounts
  • OFX import
  • Windows support

Only in Splitwise

  • Bill splitting
  • Expense tracking
  • Group management
  • Settlement tracking
  • Venmo
  • PayPal
  • Web support

Both cover

  • IOS support
  • Android support

What people use each for

The jobs each tool is most often brought in to do.

Moneydance

  • Desktop personal finance management on macOS, Windows and Linuxnot Splitwise
  • Importing and reconciling bank and credit card transactions locallynot Splitwise
  • Tracking investments and budgets without a cloud-only servicenot Splitwise

Splitwise

  • Splitting shared household bills between flatmatesnot Moneydance
  • Tracking who owes what on a group tripnot Moneydance
  • Settling up across currencies on the Pro plannot Moneydance
  • Recording IOUs between friends over timenot Moneydance

Where each one falls short

Documented limitations, not opinions. Every one is a constraint you would hit in normal use.

Moneydance

  • The free trial is limited to 100 manually entered transactions
  • A one-time Buy Once purchase covers Moneydance 2024 plus one free upgrade to the next major release, not all future versions
  • Bank connection features are sold separately as the Moneydance Plus subscription rather than included in the one-time purchase
  • Business use requires one licence per computer, while the household licence covers personal use only

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

Moneydance

On request
  • Perpetual License$59.99/month
    • Full feature set
    • Free updates

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 Moneydance if

  • You need bill tracking.
  • You work on Windows, Mac, Linux, IOS, Android.
  • You also want investment monitoring.
Moneydance review

Choose Splitwise if

  • You need bill splitting.
  • You want to start without paying.
  • You work on Web, IOS, Android.
  • You also want expense tracking.
Splitwise review

Questions people ask

Is Moneydance or Splitwise better?
Neither clearly leads. Moneydance starts at On request and Splitwise at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Moneydance or Splitwise?
Splitwise has a free tier; the other does not. Paid plans start at On request for Moneydance and Free for Splitwise.
Does Moneydance or Splitwise run on more platforms?
Moneydance runs on Windows, Mac, Linux, IOS, Android. Splitwise runs on Web, IOS, Android.
Can I use Splitwise for free?
Yes. Splitwise has a free tier, so you can try it without paying. Moneydance starts at On request.
What is Moneydance best used for?
Moneydance is most often used for desktop personal finance management on macos, windows and linux, importing and reconciling bank and credit card transactions locally, tracking investments and budgets without a cloud-only service. Of those, desktop personal finance management on macos, windows and linux and importing and reconciling bank and credit card transactions locally are not what Splitwise is typically brought in for.
What can Moneydance do that Splitwise cannot?
Moneydance covers Bill tracking, Investment monitoring, Budget tracking, Financial forecasting. Splitwise covers Bill splitting, Expense tracking, Group management, Settlement tracking. Both handle IOS support, Android support.

Answered from the vendors’ own pages

Moneydance: How much does Moneydance cost?

Moneydance pricing is not disclosed on the main website; customers must visit the purchase page to view rates. The software includes a 90-day money back guarantee.

Source
Splitwise: Is there a free version of Splitwise?

Yes, Splitwise offers a free version available for iPhone, Android, and web with core features including adding groups and friends, splitting expenses, recording debts, equal or unequal splits, offline mode, and cloud sync.

Source
Moneydance: Is there a free trial?

Yes, Moneydance offers a free trial that is fully functional but limited to entering up to 100 manually entered transactions.

Source
Splitwise: What is Splitwise PRO and how much does it cost?

Splitwise PRO is an upgrade offering receipt scanning, charts and graphs, currency conversion, and additional features. The specific price is not published on the main website; users must visit the subscription page or access the app to view pricing details.

Source
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