A Splitwise alternative that lives in your group chat
Splitwise is a solid app β but it means everyone downloads it, creates an account, and remembers to open it. DivvyUp runs inside the WhatsApp thread your group already uses, so nobody installs anything.
If you have ever been the one person nagging friends to install Splitwise before a trip, DivvyUp fixes that. You text expenses to a bot in WhatsApp, it reads receipts with AI, converts currencies automatically, and keeps a running who-owes-whom tally β no new app for the group to adopt.
No app for anyone to install
DivvyUp is a WhatsApp contact. The whole group logs expenses from the chat they already have open. Splitwise needs each person to download the app and sign up.
AI receipt scanning, included
Photograph a receipt and GPT-4o reads the merchant, total, and currency for you. Splitwise keeps automatic receipt scanning behind its Pro subscription.
Currency conversion built in
Spend in euros, settle in dollars β every entry converts to your pool's base currency at a stored rate. No manual conversion, no premium tier.
Group couples and families
Type "group with Sarah" so a couple settles as one. Weighted shares let a person travelling with a kid carry a fair fraction of the bill.
A live shareable dashboard
Send "balance" and get a link to a real-time dashboard of totals, categories, and settlements β handy for the person keeping the group honest.
Simple settle-up math
DivvyUp works out the fewest payments that clear every balance and shows exactly who pays whom, keyed on phone number so names never get mixed up.
DivvyUp vs Splitwise
| Feature | DivvyUp | Splitwise |
|---|---|---|
| Getting started | βMessage a WhatsApp bot β no download | Each member installs the app and signs up |
| AI receipt scanning | βIncluded, powered by GPT-4o | Available on the paid Pro plan |
| Currency conversion | βAutomatic, included | Supported, currency tools on Pro |
| Where it lives | Inside your existing WhatsApp thread | A dedicated standalone app |
| Detailed spending reports | Live dashboard with category totals | Mature charts, history, and exports |
| Platform maturity | Newer, focused on group trips | Years of features and a large user base |
Common questions
Can I import my existing Splitwise groups?οΌ
Not automatically β DivvyUp starts fresh with a new pool. Most groups spin up a pool for their next trip rather than migrating old balances, and it takes under a minute to create one.
Is DivvyUp actually free?οΌ
Creating a pool and the core features β receipt scanning, currency conversion, weighted splits, and the dashboard β are free to use. There is no per-member charge.
Does everyone need a smartphone?οΌ
They need WhatsApp, which they almost certainly already have. There is nothing else to install and no separate login to remember.
How does DivvyUp handle multiple currencies?οΌ
Each pool has a base currency. When you log an expense in another currency, DivvyUp converts it to the base currency automatically so every balance is comparable.
Switch your next trip to DivvyUp
Create a pool, share one join code, and let the group log expenses from WhatsApp. No installs, no sign-up nagging.
Create your pool