TXT Tab vs. Splitwise
A Splitwise alternative that works by text.
Splitwise is a full-featured group expense app, and if you are splitting a ski trip twelve ways it is a fine choice. TXT Tab is the other end of the spectrum: built for exactly two people who want to keep a running tab without opening an app. You text the amount, we add it up.
How you log an expense
TXT TabText the amount to a phone number — "Whole Foods $84" — done.
SplitwiseOpen the app, tap add, fill in the form.
Built for
TXT TabTwo people: couples, roommates, you and the person you split everything with.
SplitwiseGroups of any size — trips, households, teams.
App required
TXT TabNo. Texting works on any phone; the web dashboard is there when you want it.
SplitwiseYes — the app is the product.
Receipts
TXT TabText or email a photo/PDF; the items are parsed for you.
SplitwiseAttach to an expense in the app.
Settling up
TXT TabOne running balance between two people; request a settle when ready.
SplitwiseGroup balances, simplification, payment integrations.
Feature depth
TXT TabDeliberately small: log, split, settle.
SplitwiseDeep: currencies, charts, itemization, large-group tools.
Splitting with one person? Try the text-first way.
Free to start. Invite your partner, text your first expense, and the tab keeps itself.
Start your tab freeSplitwise is a trademark of Splitwise, Inc. TXT Tab is not affiliated with or endorsed by Splitwise; this page reflects our honest understanding of the differences as of June 2026.