Splitwise vs. Zeta - What is The Difference?

Last Updated Jun 4, 2025

Splitwise offers an easy-to-use platform for tracking shared expenses among friends and couples, while Zeta provides advanced financial tools tailored for couples managing joint and individual finances. Discover detailed comparisons and features of Splitwise vs Zeta to find the best solution for your relationship in this article.

Table of Comparison

Feature Splitwise Zeta
Primary Use Expense tracking and bill splitting Digital payments and expense management
Target Users Groups, roommates, friends Individuals, couples, businesses
Expense Splitting Equally or by shares, debts tracking Split bills with detailed tracking
Payment Integration No direct payment, external apps needed Integrated UPI, credit/debit card payments
Financial Insights Basic expense summaries Advanced analytics and budgeting tools
Platform iOS, Android, Web iOS, Android, Web
Security Standard encryption Bank-grade security standards
Cost Free with optional premium Free with premium subscription options

Introduction to Splitwise and Zeta

Splitwise and Zeta are popular expense-sharing apps designed to simplify financial management among friends, roommates, and couples. Splitwise excels at tracking shared bills and balances, offering features like real-time expense updates and multi-currency support. Zeta focuses on couples and groups, integrating joint accounts and seamless bill splitting with budget tracking tools.

Core Features Comparison

Splitwise offers seamless expense tracking and bill splitting with features like group expense management, multi-currency support, and recurring payments. Zeta excels in financial wellness by integrating expense sharing with budgeting tools, bill reminders, and real-time transaction monitoring. Shared Expense prioritizes simplicity, providing easy expense tracking with minimal setup, ideal for users seeking straightforward split management without complex budgeting features. Your choice depends on whether you need advanced budgeting, multi-currency handling, or a simple interface for managing shared costs.

User Interface and Experience

Splitwise offers a clean, intuitive user interface that simplifies expense tracking with easy navigation and clear category labels, enhancing your ability to manage shared costs effortlessly. Zeta provides a modern, visually appealing design focused on real-time expense updates and seamless bill splitting, ensuring a responsive and engaging user experience. Shared Expense emphasizes straightforward functionality with minimalistic layouts, prioritizing quick data entry and efficient expense summaries for users seeking simplicity in group financial management.

Expense Tracking Capabilities

Splitwise offers robust expense tracking with real-time balance updates, group expense categorization, and multi-currency support, making it ideal for roommates and travel groups. Zeta combines expense tracking with integrated bill payments and financial goal setting, providing a comprehensive platform particularly tailored for couples managing joint finances. Shared Expense simplifies tracking with customizable expense categories and detailed spending reports, emphasizing straightforward user experience for small groups and families.

Bill Splitting Options

Splitwise offers versatile bill splitting options, including equal shares, percentage-based splits, and custom amounts, making it ideal for groups with varied expenses. Zeta provides seamless integration with bank accounts, enabling automatic tracking and settlement of shared bills alongside its advanced splitting features. Your choice depends on whether you prioritize detailed customizable splits with Splitwise or integrated financial management through Zeta, while Shared Expense offers a straightforward approach for simple equal division of costs.

Security and Privacy Measures

Splitwise employs robust encryption protocols and two-factor authentication to safeguard user data, ensuring private expense tracking among friends and groups. Zeta enhances security with bank-grade encryption and compliance with financial regulations, offering secure digital wallets and controlled access for shared bills. Shared Expense prioritizes data confidentiality through end-to-end encryption and anonymized transaction records, minimizing risks of unauthorized access while facilitating transparent expense management.

Integrations and Compatibility

Splitwise offers seamless integration with PayPal and Venmo, enabling direct payments within the app and compatibility across iOS, Android, and web platforms for easy access. Zeta integrates with major banks and supports payroll systems, providing robust features for couples and families in addition to mobile and web compatibility. Shared Expense emphasizes compatibility with multiple currencies and integrates with Google Pay and Apple Pay, facilitating smooth expense sharing on iOS and Android devices.

Pricing and Accessibility

Splitwise offers a free basic version with premium features priced at $3 monthly, accessible via web and mobile apps on both iOS and Android platforms. Zeta provides a free plan alongside a premium subscription for $5 monthly, focusing on enhanced expense tracking and is available on iOS and Android. Shared Expense is primarily a free tool with limited premium options, accessible through web browsers and mobile devices, making it a cost-effective choice for simple group expense management.

Pros and Cons Analysis

Splitwise offers a user-friendly interface and seamless expense tracking ideal for groups, but it lacks robust budgeting tools and advanced payment integrations. Zeta provides comprehensive financial management with features like real-time bill splitting and automated payments, yet it may have a steeper learning curve and limited support outside the US. Shared Expense excels in customizable expense categories and detailed reporting, though its interface can be less intuitive and it may fall short in multi-currency support compared to competitors.

Which App is Best for You?

Splitwise offers extensive expense tracking with seamless group management and multi-currency support, making it ideal for roommates and travelers. Zeta integrates bill payments and detailed expense insights, perfect for couples managing joint finances. Shared Expense simplifies cost sharing with minimal setup, suited for casual group activities or infrequent expense tracking.

Splitwise vs. Zeta - What is The Difference?

Infographic: Splitwise vs Zeta



About the author. DT Wilson is an acclaimed author and expert in relationship dynamics, best known for the insightful book Guide to All Things Relationship.

Disclaimer.
The information provided in this document is for general informational purposes only and is not guaranteed to be complete. While we strive to ensure the accuracy of the content, we cannot guarantee that the details mentioned are up-to-date or applicable to all scenarios. Topics about Splitwise vs Zeta are subject to change from time to time.

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