Split without limits
People, expenses and currencies are unlimited on Waves Free.
Explore the comparisonWaves vs Splitkaro
Waves vs Splitkaro. 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.
Splitkaro
Compared from public sources.
| Feature | Waves | Splitkaro |
|---|---|---|
| Price | Free forever. Pro is ₹79/month or ₹699/year in India; other countries priced in the app store | Free; Premium from ₹37.50/month equivalent, billed annually or quarterly |
| Receipt scanning | Yes: 2 credits a scan on Free, 300 scans a month on Pro | 3 scans a month Free; unlimited on Premium |
| Voice entry | English, Hindi, Tamil, Arabic and Hinglish: 1 credit per AI command on Free, 100 a month on Pro | Not listed |
| UPI | 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 | Imports shared UPI payment details; unlimited on Premium (India) |
| Data export | JSON, CSV and PDF. On Free an export costs 6 credits | PDF export is Premium |
| Ads | Free is ad-supported: watch a short ad to earn credits. Pro: no ads | Premium is ad-free |
| Works offline | ✓ | Offline-added expenses sync, per its release notes |
| Splitwise import | Yes, from a Splitwise CSV export | Yes |
| Languages | English, Hindi, Tamil and Arabic (right to left) | English only on iOS |
| Platforms | Android, iOS and web, plus Apple Watch and home-screen widgets | iOS and Android |
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
If your group came from Splitwise, import the original Splitwise CSV into Waves (Settings, Your data, Import from Splitwise).
See the move guideSwitch in 3 simple steps
Move from Splitkaro to Waves
- 1
Start with your group
If your group came from Splitwise, import the original Splitwise CSV into Waves (Settings, Your data, Import from Splitwise).
- 2
Bring it into Waves
Otherwise create a group in Waves, add the same people and start from today's balances, or import a CSV or spreadsheet into the group if you have one.
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
More free scans
Waves Free scans a receipt for 2 credits, earned by watching short ads; Splitkaro Free lists 3 scans a month.
Indian-language voice
Hold the mic and speak in Hindi, Tamil, English, Arabic or Hinglish.
Export on Free
JSON, CSV and PDF export are in the free plan, at 6 credits an export.
Splitkaro is an India-focused splitter with Splitwise import and UPI share import. Its iOS listing is in English only.
Waves offers Hindi, Tamil and Arabic, voice entry in those languages, JSON, CSV and PDF export on Free, and receipt scanning on Free.
Where Splitkaro is better
Built around Indian payment habits
Splitkaro lists UPI share import, which adds expenses from UPI apps (unlimited on Premium). Waves uses UPI for settling up.
Lower entry price
Premium starts around ₹37.50 a month on annual billing. Waves Pro is ₹79 a month or ₹699 a year.
Frequently asked questions
Is Splitkaro free?
Yes, with optional Premium. Free lists 3 receipt scans a month, per its Premium FAQ.
Does Waves open UPI apps?
Yes. Waves works out who pays whom and opens your UPI app with the exact amount. It never holds or moves the money.
Does Waves support Hindi and Tamil?
Yes, in the app and for voice entry, along with Arabic and English.
Can I import from Splitkaro?
No one-tap import. Use Import inside a Waves group if you have a CSV or spreadsheet; otherwise start from today's balances.
Compare Waves with
Sources
- Splitkaro Premium FAQ (checked 25 October 2026)
- Splitkaro on the App Store (checked 25 October 2026)
- Splitkaro FAQ (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.