Dibs vs Splitwise
A simpler Splitwise alternative for one-to-one debts
Splitwise is built for shared expenses across groups and devices. Dibs is built for the smaller, faster job: remembering personal IOUs, repayment details, and who owes who on your phone.
The short version
Use Dibs when the debt is personal, quick, and local.
Use Dibs when the debt is personal, quick, and local. Use Splitwise when a group needs to share expenses together.
Choose Dibs if...
- You mostly track debts between two people.
- You want debt notes and balances stored locally.
- You need quick repeat logging, not a full shared-expense system.
- You want reminders for settling up without a social finance workflow.
Choose Splitwise if...
- You need group expense splitting for trips or roommates.
- You need web support or shared access across devices.
- You want multiple people to view and update shared balances.
- You want expense categories and in-app payments on one platform.
Feature-by-feature
Dibs stays narrow on purpose.
Dibs One-to-one IOUs, casual loans, dinners, rides, tickets, and quick personal debt tracking.
Splitwise Shared expense tracking for groups, trips, housemates, friends, family, and partners.
Dibs No account required. Open the app and start logging debts.
Splitwise Account-based shared platform for iPhone, Android, and web.
Dibs Local-first. Your debts, notes, people, and reminders stay on your phone.
Splitwise Cloud sync built for shared access across devices and people.
Dibs Amount first with a calculator keypad, then person, optional note, date, and reminder. Group bills split evenly or by custom amounts. Premium adds recurring debts and 18 currencies.
Splitwise Broader expense workflow with groups, splits, balances, categories, and payments.
Dibs Running totals and per-person balances answer who owes who without extra structure.
Splitwise Group balances and simplified debts help settle shared expenses across multiple people.
Built for the repeat moment
Add it now. Settle it later. Know the balance anytime.
Dibs keeps each debt close to the thing you actually need later: the person, amount, note, date, settlement status, and reminder. No group setup is needed for a simple IOU.
Common questions
Before you choose between Dibs and Splitwise
Is Dibs a Splitwise replacement?
Dibs can replace Splitwise when your main workflow is one-to-one debt tracking. Splitwise is the better fit when you need full group expense management across multiple devices.
Does Dibs require an account?
No. Dibs is local-first and does not require account creation or cloud sync to log personal IOUs.
Can Dibs split group expenses?
Yes. Enter the total, pick who paid, and split it evenly or with custom amounts. Dibs then creates one debt per person. There are no shared group ledgers or syncing between phones: Dibs stays focused on personal IOUs and per-person balances.
Does Dibs handle recurring debts and other currencies?
Yes, with Dibs Premium, a one-time purchase. A recurring debt adds itself every week, month, or year, such as a rent share or a shared subscription. A debt can also be in any of 18 currencies, and Dibs keeps the exchange rate from the day you added it. Premium also lets you back up your debts to a file and restore them later.
If you mostly track personal IOUs, try Dibs.
Add debts in seconds, keep everything local on your phone, and stop relying on memory or awkward follow-up texts to settle up.
Download on the App Store Get it on Google Play