A Splitwise alternative for two.
Okto splits expenses and keeps the balance, then adds a shared calendar and lists.
Okto is a Splitwise alternative for couples who want more than bill splitting. Like Splitwise, it splits expenses equally, by amounts or by percentages and keeps a balance. Unlike Splitwise, it also includes a shared calendar and shared grocery and to-do lists, and it is built around a household of two.
Instead of
- one app for bills
- another for the calendar
- a third for groceries
- a daily limit on expenses
Expenses, calendar and lists in one app.
The same job, for two
Splitwise is a well-known app for splitting costs, and it does the job well. Okto does the same for a couple: record who paid, choose a split and watch one balance. The difference is what sits beside it.
- Split equally, by amounts or by percentages
- Paid-by and each share on every expense
- A one-line balance and a Settle up button
- No ads, and no bank connection
- Monthly stats and repeating expenses with Okto Plus
A calendar that Splitwise does not have
Couples rarely need just a ledger. Okto adds a shared month calendar, so the dinner and the bill for it live in the same place. Filter by person, add a place and a reminder.
- Shared month view and day agenda
- Filter by Everyone or each partner
- Two-way sync with Google and iCloud with Okto Plus
And the lists behind your week
Okto includes a shared grocery list, reminders with an assignee and due dates, and lists of your own. Splitwise's feature list is about splitting and has no grocery or to-do list.
- Shared grocery list with an "in the cart" section
- Reminders with due dates and assignees
- Today, Scheduled, All and Assigned to me
- Home screen that sums up the day, with your balance
Your iPhone, their Android. Same household.
- Live on both phones
- Add milk on one phone, it shows on the other a second later.
- Works offline
- The list is on your phone, even in a store with no signal.
- No ads, ever
- Okto is paid for by Okto Plus, not by your data.
- Private by design
- Only the two of you see your household. Data hosted in the EU.
Okto and Splitwise, side by side
Splitwise is a strong choice for splitting costs, and its Pro plan adds extras Okto does not have, such as receipt scanning. Okto is the choice when a couple wants splitting, a calendar and lists in the same app.
| Okto | Splitwise | |
|---|---|---|
| Expense splitting | Equal, amounts, percentages | By percentage or shares |
| Shared calendar | Yes, free | Not part of the app |
| Grocery and to-do lists | Yes, free | Not part of the app |
| Free plan | Calendar, lists, expenses | Up to 4 expenses a day |
| Paid plan | Plus: $4.99/mo or $34.99/yr, whole household | Pro: unlimited expenses, charts, search |
| Receipt scanning | Not offered | With Pro |
| Ads | None | Ad-free with Pro |
Checked on November 3, 2026, from: Splitwise: what Pro is and who can use it, Splitwise Pro features, Splitwise home page. Names belong to their owners; Okto is not affiliated with them.
Free for the two of you. Plus when you want more.
One subscription covers the whole household: if one of you subscribes, you both get Okto Plus. Okto is free during the beta.
Okto
$0
Everything you need to run the house together.
- Shared calendar with month view
- Shared groceries, reminders and lists
- Shared expenses and balances
- iPhone and Android, offline, no ads
Okto Plus 14-day free trial
$4.99 a month, or $34.99 a year
For both of you, on one subscription.
- Two-way sync with your phone's calendars (Google, iCloud)
- Rent, bills and to-dos that repeat by themselves
- Monthly stats of what you spend together
- Export your expenses
Questions, answered
What is a good Splitwise alternative for couples?
Okto is built for a couple that wants splitting plus the rest of shared life. It splits expenses equally, by amounts or by percentages, and adds a shared calendar and shared lists in the same app.
Why look for a Splitwise alternative?
Common reasons are the daily limit on the free plan, which is 4 expenses a day, or wanting one app instead of several. Splitwise Pro lifts the limit; Okto has other trade-offs, listed in the table above.
Does Okto split by percentage like Splitwise?
Yes. You can split an expense equally, by exact amounts or by percentages such as 55/45.
Is Okto free?
Yes. Expenses, the calendar and lists are free. Okto Plus is $4.99 a month or $34.99 a year for the household, with a 14-day free trial, and adds repeating expenses, monthly stats and two-way calendar sync.
Can I use Okto with a group of friends?
Not yet. Okto is built for a household of two partners today.
Does Okto scan receipts or convert currencies?
No. You enter expenses yourself, and each household uses one currency of its choice. If receipt scanning matters most, Splitwise Pro offers it.
Keep the split, add the rest.
Download Okto and run your shared expenses, calendar and lists from one app.