Split without limits
People, expenses and currencies are unlimited on Waves Free.
Explore the comparisonWaves vs PhonePe split
Waves vs PhonePe split. Split expenses.
Not your freedom.
Unlimited people and expenses for free. Settle with UPI, scan receipts, and keep everyone in sync.
- Unlimited people and expenses
- Free forever plan
- Settle with UPI
- Works globally
COMPARISON
See the difference
Compare the features, free plans and ways to settle.
Waves
Your shared expenses, together.
PhonePe split
Compared from public sources.
| Feature | Waves | PhonePe split |
|---|---|---|
| What it is | A dedicated expense-splitting app | A feature inside a payments app |
| Price | Free forever. Pro is ₹79/month or ₹699/year in India; other countries priced in the app store | Free app; no split-specific fee listed |
| Who can take part | Join a group from a link in a browser with no account (guest access is time-limited) | Groups or contacts on PhonePe |
| Settling up | Opens your UPI app with the exact amount. For PayPal it opens a payment link; for Venmo, PayNow, Pix and others it shows the payee details to copy. Waves never holds money | Settle through PhonePe; check the app for what is available today |
| Multi-currency | Every ISO 4217 currency, free. Fix the rate per bill, person or trip | Not listed |
| Works offline | ✓ | Not listed |
| Receipt scanning | Yes: 2 credits a scan on Free, 300 scans a month on Pro | Receipt sharing advertised; scanning not listed |
| Voice entry | English, Hindi, Tamil, Arabic and Hinglish: 1 credit per AI command on Free, 100 a month on Pro | Not listed |
| Data export | JSON, CSV and PDF. On Free an export costs 6 credits | Not listed |
| Languages | English, Hindi, Tamil and Arabic (right to left) | English plus 10 Indian languages, including Hindi and Tamil, on iOS |
Competitor details from their public sites and app-store listings as of 25 October 2026; trademarks belong to their owners. "Not listed" means we did not find it in the sources we checked, not that it is missing. Plans and prices change, so check their site before you decide.
Last checked October 2026. Scroll horizontally on smaller screens to compare all columns.
Pay your way
Waves opens your UPI app with the exact amount. Waves never holds money.
See how settling worksBring your history
Create a group in Waves and add the same people.
See the move guideSwitch in 3 simple steps
Use Waves alongside PhonePe
- 1
Start with your group
Create a group in Waves and add the same people.
- 2
Bring it into Waves
Add expenses as they happen.
- 3
Continue in Waves
To settle, Waves opens your UPI app, PhonePe included, with the amount.
Ready for your next shared expense?
Make the switch to Waves
Keep your groups, expenses and balances together.
- Unlimited people and expenses
- Free forever plan
- Settle with UPI
- Works globally
Why people switch to Waves
Not tied to one payments app
Anyone can take part by link; they do not need PhonePe, and pay with whichever UPI app they use.
A ledger over time
Running balances, edit history and comments, by group.
Travel-ready
Any currency, and expenses can be added with no network.
PhonePe Split Expense lets you split a payment with a group or contacts on PhonePe and notifies them what they owe.
Waves keeps a full group ledger over time, in any currency and offline, then opens your UPI app, PhonePe included, to settle.
Where PhonePe split is better
It is already there
If your group lives in PhonePe, splitting and paying in the same app is one fewer app.
More Indian languages
PhonePe lists 10 Indian languages; Waves has Hindi and Tamil.
Frequently asked questions
Does Waves replace PhonePe?
No. Waves tracks and splits; payments happen in your UPI app.
Do my friends need PhonePe?
Not for Waves. A shared link opens the group in a browser, with time-limited guest access.
Can I export my Waves data?
Yes, as JSON, CSV or PDF; on Free an export costs 6 credits.
Compare Waves with
Sources
- PhonePe Split Expense help (checked 25 October 2026)
- PhonePe payments page (checked 25 October 2026)
- PhonePe on the App Store (India) (checked 25 October 2026)
Competitor details from their public sites and app-store listings as of 25 October 2026; trademarks belong to their owners. "Not listed" means we did not find it in the sources we checked, not that it is missing. Plans and prices change, so check their site before you decide.
Waves details: free plan and Pro features as described in the app and on this site; Pro-only items are marked. See something out of date? Write to hello@wavs.co.in.