Splitwise has been the default way to split shared expenses for over a decade. Both HomePot and Splitwise have a free tier and a paid Pro tier, so a fair comparison must show what each plan actually gives you. Here's the honest breakdown — and the short version is that most of what Splitwise reserves for Pro, HomePot includes for free. Every row below links to a public source so you can verify it yourself.
Each cell states which plan tier the feature is available on. A checkmark means unrestricted for all users; text means there's a specific tier or limit.
| Feature |
HomePot
|
Splitwise |
|---|---|---|
| Ads in the free tier | None — ever | Shown to free users |
| AI receipt scanner | Free (monthly scan limit) · Unlimited on Pro | Pro only |
| Line-item extraction from receipts | Free (via AI scan) | Pro only |
| Automatic currency conversion | Free (via AI scan) | Pro only |
| Charts & spending analytics | Free | Pro only |
| Recurring expenses | Free | Partial / Pro |
| Fixed vs variable split modes in the same group | Free | Not available |
| Monthly close with minimum-transfer settlement | Free | Not available |
| Currencies selectable for expense entry | 52 | Many (unspecified) |
| AI reads any currency from the receipt image | Free (within scan limit) | cancel |
| CSV / PDF export of stats | Pro only | Pro only |
| GDPR / CCPA compliant | check_circle | check_circle |
| Expenses per month | 20 free (no daily cap — batch them any day) · Unlimited on Pro | Daily cap applies — see Splitwise Pro page |
| Groups | 1 free household group · Unlimited on Pro | Unlimited |
All information reflects publicly available data from the official Splitwise website and App Store listings at the time of writing. Please verify current details at splitwise.com. HomePot is not affiliated with Splitwise, Inc.
Every feature built around one promise: no ads, no tracking, no friction.
Our scanner doesn't stop at the total. It extracts each item, tax, discount, and tip so you can split a restaurant bill exactly the way the group consumed it — not by a forced even share.
52 currencies supported for expense entry, covering Europe, the Americas, Asia, the Middle East, Oceania and Africa. The AI scanner goes further and detects any ISO 4217 currency from the receipt image, then auto-converts to your group's base currency at live exchange rates.
We make money from optional subscriptions, not from your attention or your data. No interstitial ads, no cooldown timers, no third-party analytics SDKs. This is a written, verifiable policy — not a marketing tagline.
Rent, internet and insurance split evenly between everyone. Dinner and groceries split only between the people who were there. HomePot models both cases natively in the same group — no workarounds, no separate spreadsheets.
At the end of the month, HomePot computes the smallest set of transfers needed to bring every balance back to zero. Instead of chains of small payments between many people, you get one or two clean settlements and the month is closed.
A public GDPR-compliant policy, data hosted on AWS EU, one-tap account and data deletion from Settings. Nothing hidden in fine print and nothing sold to data brokers.
Real verbatim quotes from the Splitwise iOS App Store listing (overall rating 3.9 / 5 at time of writing).
Source: apps.apple.com/us/app/splitwise/id458023433
"I had to wait for ad to play... then after I added 4 expenses I was met with a pop-up saying that I had reached the maximum number of expenses I could input today"
"This app now bombards you with (timed) ads for premium... roping me into a subscription for that essentially offline functionality leaves a bad taste"
"I'm capped at 5 submissions a day and then demanded to sign up for PRO... I need to get PRO to convert requests before paying them"
Quotes reproduced verbatim from the public Splitwise iOS App Store listing. Reviewer display names preserved. Individual opinions do not represent all users.
Drop your email here, download HomePot whenever you're ready, and sign up with the same address — your free month of Pro activates automatically.
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