DobiSplit vs Splitwise
The European, end-to-end encrypted alternative to Splitwise. Your expenses stay private — always.
| Feature | DobiSplit | Splitwise |
|---|---|---|
| End-to-end encryption | ||
| No account required | ||
| Free, no ads | freemium, has ads | |
| GDPR compliant / EU-hosted | US-based | |
| Automatic settlement calculation | ||
| Web-based (no app install) |
Why switch from Splitwise?
Splitwise stores your expense data on US-based servers without end-to-end encryption. This means Splitwise staff and any third parties with server access can potentially read your financial data. DobiSplit uses client-side end-to-end encryption, so your data is encrypted in your browser before it ever leaves your device.
Splitwise requires you to create an account before using it, which means handing over your email address and personal information — even for casual, one-time expense splits. DobiSplit works entirely without an account. Just create a group, share the link, and start splitting. No registration, no email verification, no data harvesting.
Splitwise is a US-based company and is not subject to the GDPR. If you are based in Europe and want your financial data to stay in Europe under European data protection law, DobiSplit is hosted entirely on Hetzner infrastructure in Germany — fully GDPR-compliant.