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Split costs without a subscription
Who paid, who brings what – in one place.
Split expenses the way you’re used to – and keep the bring list and to-dos in the same group. Open the invite link, type your name, you’re in. Only the person who creates the group needs an account.
100% free No subscription
Splitwise is how a lot of groups start settling up: dinner, gas, the rental. Afterwards you see who still owes whom. What’s often missing: the same trip also needs a bring list and open to-dos – and those end up back in the chat.
PlanLos! covers expense splitting and puts Bring and To-dos right next to it. No subscription, servers in the EU. Whoever opens the invite link can join – even without their own account.
Existing Splitwise groups can come over via CSV, so you don’t start from zero when the next trip or the flat’s shared pot moves. The steps with video are in the guide Import a Splitwise CSV.
Two questions we hear a lot. Straight answers.
No subscription, no pro tier, no hidden limits for normal group use. Costs, Bring, To-dos and Planning are all included.
Joining works with the invite link and a name – no account. Creating the group needs a free account. If all you want is a one-off calculation that never gets saved, PlanLos! is more than you need: it’s built for groups that stick around for the weekend or the whole trip.
The points that usually decide it for a group – including where Splitwise still leads.
| Feature | PlanLos! | Splitwise |
|---|---|---|
| Split expenses | Yes – expenses, balances, settle up | Yes – core of the app |
| Uneven shares | Yes – equal or fixed amounts per person | Yes – also percentages and shares |
| Currencies | Euro | Many currencies |
| Apps | Browser and Android, iOS next | iOS and Android apps |
| Bring lists | Yes – in the same group | No – expenses only |
| To-dos | Yes – shopping and tasks | No |
| Finding a date | Yes – suggest days and vote | No |
| Join without account | Yes – invite link and a name | Account required |
| Price | Free, no subscription | Free tier + Pro |
| Import | CSV import from Splitwise | CSV export available |
Based on publicly visible features as of November 2026. Splitwise changes plans and features, so check with Splitwise for details. Everything about PlanLos! is on the features page and in the privacy policy.
Three modules you can switch on and off one by one.
Add expenses, set shares, read balances and book the settle-up.
Salad, charcoal, speaker – who’s bringing what has a name next to it on the list.
Shopping, cleaning up, handing over the key – open until somebody ticks it off.
When your group organizes more than bank transfers.
If you’re travelling through several countries and paying in different currencies, Splitwise can do more: PlanLos! calculates in euros. And if everyone absolutely needs an iPhone app – that one is still coming. Android and the browser are already there.
And if your group only needs a kitty, no lists and no date poll, switching isn’t a must. PlanLos! starts to pay off once “who brings what” and “when does it suit everyone” land in the chat.
Export the group from Splitwise as a spreadsheet – or simply start fresh for the next weekend.
Create a new group, upload the CSV under Account → Import, and check the balance preview. Turn on Costs – and Bring or To-dos if you need them.
Whoever opens it is in – a name is enough, an account is optional. No app install required.
Switch on Bring and To-dos as soon as the group needs more than the kitty – salad, charcoal, “book the grill”.
Six people collected accommodation and dinners in Splitwise. You export the group as a CSV, create “Scotland 2026” in PlanLos! and upload the file under Account → Import. The balances match in the preview. Then you add “tent, 2×” and “camping stove” under Bring and “first supermarket shop” under To-dos – same group, one link.
The settle-up is right, but salad and charcoal are still being negotiated in the chat. A bring list keeps names and amounts in one place.
Hand over the key, empty the fridge, book the train tickets – without a to-do list they get stuck in old messages.
Not everyone wants one more account. With the invite link a name is enough to take expenses or list items.
Instead of the kitty here and lists there: switch on the modules, share the link, done – for the flat, the holiday or the festival camp.
Yes. Export the group from Splitwise as a spreadsheet (CSV) and upload the file in PlanLos! under Account → Import. You pick the target group and see a preview with the balances before anything is imported. The full walkthrough with video is in the blog under “Import a Splitwise CSV”.
Besides splitting costs, there are bring lists and To-dos in the same group. Shopping, who’s bringing what and the balances stay in one place instead of scattering across the chat.
Partly. Joining works without an account: anyone who opens the invite link types a name and can take expenses and list items. Whoever creates the group needs a free account.
Yes. For normal group use you don’t need a subscription or a pro tier. It runs in the browser and on Android – iOS is coming.
Splitwise handles many currencies and has had iOS and Android apps for longer. PlanLos! calculates in euros and runs in the browser and on Android, with iOS to follow. In return you get a bring list, To-dos and date finding in the same group.
The servers are in the EU (hosted at Hetzner). What gets stored and how to delete your account is explained in the privacy policy.
Yes. The invite link is enough: type a name, open the group, take expenses or list items. An account is only needed for whoever creates the group – and for finding it again on several devices.
Create a group, import a CSV if you like, share the link – and compare for yourself, before everything gets lost in the chat again.
