Depto Flow
Loading your private ledger...
Ditch transaction limits, locked features, and intrusive ads. Compare India's best expense-splitting apps and switch to a private, 100% free solution.
● Local Offline Database
Budget Limit: ₹20,000
Rahul
Owes you
Priya
You owe
For years, Splitwise was the go-to app for roommates splitting flat rent, friends sharing vacation costs in Manali or Goa, and colleagues calculating lunch bills. However, recent monetization changes have fundamentally altered the experience.
Aggressive ads, daily transaction limits on free plans, and basic features like multi-currency splitting or group searches being locked behind a monthly premium paywall have left users frustrated. A cost splitter is meant to resolve financial friction, not introduce additional paywall friction.
As a result, millions are turning to cleaner, more private alternatives. Depto Flow addresses this by offering a completely ad-free, local-first cost splitter that requires no server registrations or SMS tracking—meaning your financial data stays securely on your phone.
Daily Caps: Free users in India are capped to adding only 3 expenses a day.
Ads & Popups: Intrusive full-screen video ads interrupt billing.
Paywalled Currencies: Multi-currency features require a paid Pro tier.
No Local Privacy: Requires cloud accounts, exposing transactions to trackers.
Test our reactive calculations. See how Depto Flow balances shared bills in real-time, completely offline. Enter any dinner bill, road trip expense, or rent cost below to calculate exactly who owes what.
In the actual Android app, this entire experience happens without loading screens or database delays. Because it works offline, you can log dinner bills instantly, even when dining in underground basements with no mobile network.
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: ₹Click on the tabs below to explore the core features, strengths, and limitations of each Splitwise alternative.
Free • Ad-Free • Offline Database
Designed specifically for users who prioritize privacy and want to split costs without ads. All transaction ledgers are saved locally on your device inside a secure SQLite database. Unlike other tools, it does not scan SMS details or link bank accounts directly, preserving your data privacy.
Web + Mobile Sync
Tricount is owned by bunq. It excels in quick onboarding because only the creator needs to install the app. Friends can join and record items using a web browser link without setting up password credentials.
Multi-Currency Converter
Splid provides simple offline splits and automatically converts currencies. When traveling to destinations with mixed currency receipts, it simplifies transactions and reduces debts.
Cross-Platform Syncing
Settle Up is popular for long-term flatmates because it organizes transactions by categories and tracks history. It runs on web and mobile devices, syncing balances between group members.
Instant Bank Settlement
Google Pay has an integrated split bill feature for chat groups. It functions well if you only split expenses equally and want money to move directly between bank accounts via UPI.
Review the technical features, privacy indices, and fee schedules of each split-bills tool.
| App | DB Engine | Authentication | Backup Mechanism | Telemetry & Trackers | Data Export | Price Model |
|---|---|---|---|---|---|---|
| Depto Flow | Local SQLite | None (Local First) | Personal Google Drive (Encrypted) | 0 Tracker SDKs | Unlimited CSV / JSON | 100% Free |
| Splitwise | Cloud database | Cloud Account (Mandatory) | Central Cloud Server | Heavy (AdMob, FB SDK) | Paid PDF/Excel | Free (Daily Caps) |
| Tricount | Cloud Sync | Optional / Creator Only | Central Cloud Sync | Medium (Ad/Google tracker) | Paid PDF/Excel | Free Basic |
| Splid | Local Files & Cloud | None (Local First) | Cloud Backup File | Low (Firebase Sync) | Paid PDF/Excel | Free Basic |
| Settle Up | Cloud Database | Cloud Account (Mandatory) | Central Cloud Sync | Heavy (Ad trackers) | Paid PDF/Excel | Free with Ads |
| Google Pay | Bank Servers | Phone / Bank account | Google Cloud Sync | Internal Google tracking | Bank Statement | Free |
| Metrics | Depto Flow | Splitwise (Free Plan) |
|---|---|---|
| Banner & Popup Ads | 100% Ad-Free | Full-screen video ads |
| Daily Upload Limits | Unlimited additions | Restricted to 3 bills daily |
| Database Ownership | Saved in local SQLite | Stored in corporate clouds |
| SMS scraping / readings | Absolutely none | Invites device scanner integrations |
| Cloud Syncing Backups | Private, encrypted Drive backup | Shared cloud hosting only |
Organize electricity, wifi, groceries, and flat deposits. Define custom ratios to resolve accounts.
Log informal borrowings from family or cash lent to colleagues. View outstanding debt balances easily.
A clean user interface ensures no banner ads, popup videos, or paid calls interrupt your sheets.
Depto Flow saves transactions in local device storage, preventing third-party data harvesting.
Upload encrypted database backups directly to your personal Drive. Secure from phone damage.
Analyze category spending with visual pie charts. Identify cash leaks and build saving habits.
Depto Flow is the best overall Splitwise alternative in India. It is 105% free, completely ad-free, offline-first, and stores your financial logs locally for absolute privacy. It also supports flatmate bill splits and custom groups.
Yes, Depto Flow has a local-first SQLite database that runs entirely offline. You can log bills, manage groups, and balance debts without an active internet connection.
No. Unlike other apps that restrict free features, Depto Flow offers unlimited group creation, split configurations, and features completely free with no hidden charges, paywalls, or advertising.
You can securely connect your personal Google Drive account in settings. Depto Flow creates encrypted backups of your local database and uploads them directly to your drive, avoiding third-party server exposure.
Google Pay integrates UPI split settlements directly. Other apps, including Depto Flow, tricount, Splid, and Settle Up, allow you to log and balance debts in the app and settle them externally using any UPI app (GPay, PhonePe, Paytm, etc.).
Download Depto Flow on Android. Easily split roommate bills, holiday budgets, and track lending securely.