Personal Finance · head to head
Splitwise vs Mint
The short version
- Each has a real cost: Splitwise the free tier limits how many expenses can be added in a day and shows adverts; Mint service transitioned to Credit Karma platform; standalone Mint features migrated elsewhere
- They diverge on capability: Splitwise covers Bill splitting, Mint covers Budgets.
Where they differ
Only the attributes on which Splitwise and Mint 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 Splitwise
- Bill splitting
- Group management
- Settlement tracking
- Venmo
- PayPal
- IOS support
Only in Mint
- Budgets
- Bill tracking
- Credit score monitoring
- Financial insights
- Bank connections
- Bank-level encryption
- Verisign secured
- 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.
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
Mint
- Legacy free budget tracking for users with supported bank connectionsnot Splitwise
- Users transitioning to Credit Karma for continued money management featuresnot Splitwise
Where each one falls short
Documented limitations, not opinions. Every one is a constraint you would hit in normal use.
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
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
Pricing, plan by plan
Splitwise
Free- FreeFree
- Bill splitting
- Group tracking
- Mobile app
- Splitwise Pro$4.99/month
- Receipt scanning
- Advanced analytics
- No ads
Mint
FreeNo published plan breakdown. See the Mint review.
Which should you pick?
Choose Splitwise if
- You need bill splitting.
- You want to start without paying.
- You work on Web, IOS, Android.
- You also want group management.
Choose Mint if
- You need budgets.
- You want to start without paying.
- You work on Web, iOS, Android.
- You also want bill tracking.
Questions people ask
- Is Splitwise or Mint better?
- Neither clearly leads. Splitwise starts at Free and Mint at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
- Which is cheaper, Splitwise or Mint?
- Splitwise starts at Free and Mint at Free.
- Does Splitwise or Mint run on more platforms?
- Splitwise runs on Web, IOS, Android. Mint runs on Web, iOS, Android.
- Can I use Splitwise for free?
- Both have a free tier, so you can try either at no cost before committing.
- What is Splitwise best used for?
- Splitwise is most often used for splitting shared household bills between flatmates, tracking who owes what on a group trip, settling up across currencies on the pro plan, recording ious between friends over time. Of those, splitting shared household bills between flatmates and tracking who owes what on a group trip are not what Mint is typically brought in for.
- What can Splitwise do that Mint cannot?
- Splitwise covers Bill splitting, Group management, Settlement tracking, Venmo. Mint covers Budgets, Bill tracking, Credit score monitoring, Financial insights. Both handle Expense tracking, Web support, Android support.