The short answer: Tabrillo keeps expense entry unlimited and free, works offline, and lets you trace any balance to the expenses that produced it. Splitwise has more years behind it and a bigger user base.
| Tabrillo | Splitwise | |
|---|---|---|
| Adding expenses | Unlimited, free | Daily limit on the free tier |
| Explaining a balance | Full derivation — every expense, share and rounding decision | Balance totals |
| Offline | Full read and write | Limited |
| Inviting people | Link, no account needed | Each member installs and signs up |
| Receipt scanning In the app | 5/month free, more on Pro | Pro only |
| Voice entry In the app | Say the expense, it fills the form | Not available |
| Currency | Any currency, any tier | Supported |
| Maturity | Newer | Years of features, large base |
Free-tier limits and Pro-only receipt scanning. Splitwise's own pricing page Checked 2026-09-10.
Years of accumulated features, a much larger user base, and more people already have it installed. If your group is already on Splitwise and nobody is unhappy, there is no reason to move.
Splitwise tells you the number. When somebody says “that can’t be right,” Tabrillo shows them why it is.
Splitwise introduced daily expense limits and advertising on its free tier in 2024