Split without limits
People, expenses and currencies are unlimited on Waves Free.
Explore the comparisonWaves vs Spreadsheets and WhatsApp notes
Waves vs Spreadsheets and WhatsApp notes. 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.
Spreadsheets and WhatsApp notes
Compared from public sources.
| Feature | Waves | Spreadsheets and WhatsApp notes |
|---|---|---|
| Who owes whom | Calculated for you, as simplified suggested payments | Formulas you write and keep correct, or by hand |
| Uneven splits | Equal, exact, shares, percentage, itemised and by family | Anything you can build |
| Several currencies | Every ISO 4217 currency, free. Fix the rate per bill, person or trip | You convert and track the rate |
| Receipts | Yes: 2 credits a scan on Free, 300 scans a month on Pro | Paste or attach photos yourself |
| Speaking an expense | English, Hindi, Tamil, Arabic and Hinglish: 1 credit per AI command on Free, 100 a month on Pro | Type it |
| 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 | Work out the amounts and pay separately |
| History | Edit history and comments on each expense | Whatever the tool keeps |
| Cost | Free forever. Pro is ₹79/month or ₹699/year in India; other countries priced in the app store | Free tools you probably already have |
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 people.
See the move guideSwitch in 3 simple steps
Move from a sheet or a chat to Waves
- 1
Start with your group
Create a group in Waves and add the people.
- 2
Bring it into Waves
Add the expenses by hand, or tidy the sheet into columns (date, description, amount, currency, paid by, split between). In the group, choose Import and Waves gives you a template to match.
- 3
Continue in Waves
Or start from today's balances, one expense per person.
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
No formulas to break
Splits always add back to the bill, to the last paisa, and nobody edits a cell by accident.
One shared truth
Everyone sees the same balance. Changes are listed in Activity.
Capture in the moment
Scan, speak or type at the table. With no signal you can still type, and photos queue until you are back online; scanning itself needs a connection.
A spreadsheet or a chat note costs nothing and fits any odd arrangement, but you write the maths, keep the history and chase the settlement yourself.
Waves does the split arithmetic, keeps balances in every currency and hands the final payment to your payment app.
Where Spreadsheets and WhatsApp notes is better
Total flexibility
A sheet can model any arrangement: shared rent with odd rules, a one-off event budget, anything.
Nothing to install
Everyone already has a chat app or a browser.
Good for a one-time tally
For one dinner among three friends, a note is plenty.
Frequently asked questions
When is a spreadsheet enough?
For a one-off tally among a few people. It struggles when expenses arrive over weeks, in several currencies, or when people edit the same file.
Can I import my spreadsheet into Waves?
Yes, if it is a CSV or spreadsheet. Open the group and choose Import: Waves gives you a template, reads the columns, and lets you match people and review every row before saving. Results depend on the file.
Is Waves free?
Yes, the core is free forever. Pro is optional.
Can I still export to a spreadsheet?
Yes. Waves exports JSON, CSV and PDF; on Free an export costs 6 credits.
Compare Waves with
Sources
- Waves pricing and features (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.