A free Splitwise alternative

Owzy is a free app for splitting bills and shared expenses with friends, flatmates, couples, families and trips. If you use Splitwise today, you can bring your groups over with every balance kept exactly.

Splitting expenses and settling up are free in Owzy, with no ads. Owzy Plus is optional and costs ₱49 a month.

What you get for free

• As many groups and expenses as you like, with no limit on how many you add in a day
• Split equally, by exact amounts, by percent, by shares or item by item from a receipt
• Service charge, tax and tips shared in proportion to what each person had
• More than one payer on the same bill
• Other currencies, with the day’s rate filled in for you
• A short list of who pays whom when it is time to settle up, and one-tap reminders
• Your e-wallet or bank QR shown to friends when they pay you
• Comments on expenses and a history of what each edit changed
• A PDF report of any group, and a download of all your data
• Works offline and syncs when you are back online
• No ads

What Owzy Plus adds

Owzy Plus is ₱49 a month. It is one payment at a time and nothing renews on its own.

• Up to 3 receipt photos per expense
• Approval mode: review expenses before they count
• Recurring expenses, like rent and monthly bills
• Group budgets
• Insights: charts by day, category and person
• Excel export of a group’s expenses
• A monthly summary by email

What Owzy does not do

Better to know before you switch:

• There is no App Store or Play Store listing. You open owzy.app in your browser and add it to your home screen, and it then works like an app.
• Signing in is with Google. Friends can also join one group with an invite code, without an account.
• Owzy does not move money. You pay each other with your own e-wallet or bank app, and record the payment in Owzy.
• It does not read a receipt photo for you. You type the items yourself.
• Owzy Plus is paid by QR Ph, so for now it needs a Philippine e-wallet or bank app.

Move a group from Splitwise

1. In Splitwise, open the group, then its settings.
2. Choose Export as spreadsheet and save the file.
3. In Owzy, open Groups and tap Import from Splitwise. Choose the file.
4. Pick which person is you, check the totals and tap Import.

Everything goes into a new group in Owzy, and everyone’s balance matches Splitwise exactly. Nothing changes in Splitwise, so you can try Owzy first and decide later.

Questions

Do my friends have to switch too?

No. You can add friends by name and track their share for them. If they want to see the group, invite their Gmail or share an invite code.

Will my balances be the same after importing?

Yes. Expenses, payments and everyone’s balance come over exactly. If the group used more than one currency, Owzy suggests a rate for each and you can change it.

Is Owzy really free?

Yes. Groups, expenses, splitting and settling up are free, with no ads. Owzy Plus is optional.

How is Owzy different from Splitwise?

Both keep track of shared expenses and who owes whom. Owzy keeps everyday splitting free without ads or a daily limit, runs in the browser instead of an app store, and shows your payment QR when friends settle up. Splitwise has its own free and paid plans, so check its website for what each includes today.