No paywalled basics
Multi-currency, unlimited groups, and settlement math are core — locking them behind a paid tier would defeat the product.
Pricing
Free. Forever. For everyone.
No tiers, no trials, no “upgrade to use multi-currency”. Every feature listed below is included, with no usage limits.
No limits
$0/ forever
One plan. One feature set. No credit card, no trial, no “basic” tier hiding the multi-currency button.
- Unlimited groups and members
- Unlimited expenses and payments
- Multi-currency expenses with live conversion
- Smart settlements (fewest payments)
- Activity feed with full history
- Unions / sub-groups inside a trip
- Mobile (iOS + Android) and web
- Export your data anytime
How we think about pricing
A few principles that explain why the price is what it is.
No ads, no data resale
We collect the minimum we need to run Paycent. Nothing is sold, and the app has zero ad tech.
Sustainable, eventually
If we ever add paid features, they'll be optional and clearly opt-in — never gating something you use today.
How we compare
Paycent vs. Splitwise
Splitwise is the de-facto reference in this space — we get compared to it constantly, so here's an honest side-by-side.
| Feature | Paycent | Splitwise Free | Splitwise Pro |
|---|---|---|---|
| Price | Free | Free | Paid |
| Unlimited expenses | Limited | ||
| Multi-currency | |||
| Ads-free | |||
| Unions / sub-groups | |||
| Activity feed | |||
| Web + mobile | |||
| Open development |
Comparison reflects publicly listed features as of 2026. Splitwise is a trademark of its respective owner; we're not affiliated.
Common questions
What's the catch?
There isn't one. Paycent is built by a small team. Hosting and infrastructure are inexpensive at our scale, and we'd rather grow on word of mouth than burn goodwill with paywalls.
Will it always be free?
The features listed above will stay free. If we add advanced capabilities (e.g. business expense exports, OCR receipt scanning), those may become paid extras — but the core product won't be gated.
How do you make money?
Right now, we don't. We're building Paycent because the existing options frustrated us. Sustainability will come from optional paid extras, not from clipping the core experience.
Can I export my data?
Yes. Every group's expenses and payments can be exported as CSV from the group settings. You own your data.
Ready when you are.
Sign up takes about thirty seconds. Bring a group, split your first expense, and see if it sticks.