SheetVault / FairSplit Couple Bill Tracker / compare

Splitwise Alternative: $8 Once — No Daily Limits, No Ads

Independent comparison · prices checked September 2026 · no affiliate links

Splitwise vs SheetVault — side by side

Their price: Free tier (≈3 expenses/day, ads) · Pro ≈ $4.99/month or $30–50/year by region. SheetVault price: $8 one-time.

	Splitwise	SheetVault Template
Price model	Free with limits, or Pro ≈ $40–50/year forever	One-time $8 in USDT. Yours forever
Free-tier friction	≈3 expense adds per day; ads; Pro upsells everywhere	None — the file never nags you
Split by income	Percentage splits exist, but YOU compute and set the % every time	Automatic: enter both incomes once — every expense splits proportionally
Who owes whom	Live balance in app	Live settlement balance with names on the dashboard
Privacy	Your expenses stored on Splitwise's cloud	Data never leaves your device
Offline use	Limited offline mode	Fully offline: Excel 2016+, Google Sheets, LibreOffice
Couples apps are dying	Honeydue closed 2026, Zeta closed 2025 — your history can vanish with any app	A spreadsheet you own can't be sunset
Customization	Fixed to Splitwise's model	Every category, name and formula editable
Account required	Yes (email, both partners)	No signup, no email, no KYC

Our honest verdict

Splitwise still wins for big groups splitting travel costs on the go. But for a couple or two roommates sharing a household budget — especially when incomes differ — FairSplit does the same math (income-proportional splits, running settlement balance) for a one-time $8, with zero limits, zero ads, and a file that can't be discontinued.

What's inside the SheetVault template

Split every shared bill by income ratio (or 50/50 mode)
Live 'who owes whom' settlement balance with names
40-row expense log: 17 category + payer dropdowns
Paid-vs-fair-share chart for both partners
Dashboard: 7 KPIs, pie by category, settlement verdict
Yellow input cells, passwordless protection, demo data included

Works in Excel 2016+, Google Sheets and LibreOffice Calc. Pay with USDT (TRC20) — no signup, no card, no KYC. Instant download after on-chain confirmation.

Get the FairSplit Couple Bill Tracker — $8 one-time

Pricing for Splitwise as published at time of writing (September 2026); check their site for current offers. SheetVault is not affiliated with Splitwise. All trademarks belong to their owners.