SplitMyExpenses
Split bills with friends, track balances, and settle up
YNAB (You Need A Budget)
Stop living paycheck-to-paycheck, get out of debt, save 💰
Updated February 2026
| SplitMyExpenses | YNAB (You Need A Budget) | |
|---|---|---|
| Rating | 5.0★ | 4.0★ |
| Reviews | 3 | 2 |
| Pros | 0 | 2 |
| FactScore™ | 30.1 | 19.1 |
FactScore™ Comparison
FactScore™ weighs both quality (rating) and popularity (reviews) for a fairer ranking than stars alone.
Pros & Cons
Only in SplitMyExpenses — Pros
No unique pros listedBoth tools — Pros
—Only in YNAB (You Need A Budget) — Pros
Easy to understand Simple functionalityOnly in SplitMyExpenses — Cons
—Both tools — Cons
—Only in YNAB (You Need A Budget) — Cons
Learning curve Missing multiple currency supportDetails
| SplitMyExpenses | YNAB (You Need A Budget) | |
|---|---|---|
| Categories | Spreadsheets, Budgeting apps, Money transfer | Budgeting apps, Savings apps, Financial planning |
| Platforms | Web · iOS · Android | Web |
| Became Popular | June 5, 2023 | January 3, 2015 |
| Website | www.splitmyexpenses.com | www.youneedabudget.com |
Who Should Pick Which?
Choose SplitMyExpenses if...
- No unique pros listed
Choose YNAB (You Need A Budget) if...
- Easy to understand
- Simple functionality
With a FactScore™ of 30.1 vs 19.1, SplitMyExpenses leads in community reception. SplitMyExpenses uniquely offers No unique pros listed, while YNAB (You Need A Budget) stands out for Easy to understand and Simple functionality.
What Users Say
SplitMyExpenses
Clean and modern interface that is easy to use! Significantly reduced the time it takes for me to go through my transactions and charge my friends and family. The best part is I don't need to wait ...
Easy to sign up and use. Really liked the free option, didn't need to bother with the trial, does everything i needed it to do in one try. Can't wait for the mobile version!
osum product, the bill itemiser feature is just next level and solves the day to problem on a chai tapri! hats off
YNAB (You Need A Budget)
I like the product. Main missing feature: multiple currency support - it's super strange, given it's a tool dealing with money.
There's quite a learning curve, but I'm liking their approach to budgeting!
Related Comparisons
Frequently Asked Questions
Which is better, SplitMyExpenses or YNAB (You Need A Budget)?
Based on FactScore™, SplitMyExpenses leads with a score of 30.1 vs 19.1. SplitMyExpenses has a higher rating of 5.0★ compared to 4.0★.
What are the pros of SplitMyExpenses compared to YNAB (You Need A Budget)?
SplitMyExpenses uniquely offers: No unique pros listed.
What are the pros of YNAB (You Need A Budget) compared to SplitMyExpenses?
YNAB (You Need A Budget) uniquely offers: Easy to understand, Simple functionality.
Is SplitMyExpenses better rated than YNAB (You Need A Budget)?
SplitMyExpenses is rated 5.0★ from 3 reviews. YNAB (You Need A Budget) is rated 4.0★ from 2 reviews.
What is the FactScore™ of SplitMyExpenses and YNAB (You Need A Budget)?
FactScore™ weighs rating and review volume together. SplitMyExpenses scores 30.1 and YNAB (You Need A Budget) scores 19.1.
Don't Get Fooled by Fake Social Media Videos
The world's first fact checker for social media. Paste any link and get an instant credibility score with sources.
Try FactCheckTool Free