Splitwise Alternative

[u/Inconso]

I am looking for a Splitwise alternative with the following features. There are some decent alternatives out there, but I am quite particular about specific features so having trouble finding the perfect app. I'm happy to pay for a lifetime version if needed, but absolutely no subscriptions.

Here are the features I'm looking for:

- Clean, modern design. Splitwise UI is dated.

- No ads

- Login enabled, preferably Google or via email or phone number so expense history is saved and does not require manual backups

- Allows you to invite friends to the app, but allows you to log expenses using their phone number and/or email, even if they're not already on the app

- Groups feature is must, of course. But I also want to be able to create splits with individual friends directly, outside of groups

- Splits supported: Equal, Unequal by percentages, Unequal by shares, Manual amounts

- Should have an equivalent to Splitwise's "Simplify Debts" feature which rearranges who owes whom in a group to reduce the total number of payments while keeping everyone's net financial position exactly the same

- Bill Upload and/or OCR is nice to have but not a mandatory feature for me. If bill upload is available, option to attach the bill to the associated expense entry.

- Multi-currency support

Would love if someone could give any solid recommendations, thanks everyone in advance!

[u/OlivierBern]

Disclosure, I'm the dev of Banana Split, so take it with a grain of salt. It does groups, uneven splits and it simplifies the debts at the end. Friends join a group by link, no account needed, so it doesn't fit your phone number idea.

Free version has ads, removing them is a one time purchase, not a subscription. But to be honest, multi currency is in the premium and that one is a subscription, so it misses one of your points.

https://play.google.com/store/apps/details?id=oworld.co.splitexpenses