At a glance
| Feature | AA split | Money Lover |
|---|---|---|
| Free plan and paid options | Free, with no subscriptions. Optional prepaid AA credits for more AI help, from S$3 | Free with in-app purchases. One-time Premium; Linked Wallets is a paid monthly service1 |
| Ads | No ads on any plan | Ad-free with Premium1 |
| Entries and accounts | No daily cap on typed entries. Personal spending plus optional shared groups | Multiple wallets with Premium1 |
| Bank account sync | Not offered; no bank login. The phone app can capture supported payment alerts (Singapore) and Apple Wallet card taps | Paid Linked Wallets for banks in the Philippines, Malaysia, Singapore, Hong Kong, Vietnam, Thailand, Indonesia and more1 |
| Receipts | Scan and itemize receipts: device OCR with no plan cap, or optional online AI | Snap a receipt or screenshot to log it1 |
| Log by typing a sentence | AA assistant in the app and Telegram drafts expenses for you to confirm | Type a sentence; AI fills in the amount and category1 |
| Multiple currencies | Original amounts kept; daily reference rates with no markup, or your own rate | Supported, with up-to-date exchange rates2 |
| Export and import | Free CSV, Excel and PDF exports. Imports group CSVs from Splitwise, Sesterce, Settle Up and Tricount | Export to Google Sheets with Premium1 |
| Budgeting and investments | Monthly budgets, overall or by category. No investment tracking | Budgeting, savings goals, debts and loans21 |
AA split details describe our own app. Other apps are described from their official websites or App Store listings, checked 18 October 2026. Prices and features change, so check each app before choosing.
Choose Money Lover if
you want budgeting tools, savings goals, debt and loan tracking, bill reminders, or bank linking through its paid Linked Wallets service in the Philippines, Malaysia, Singapore, Hong Kong, Vietnam, Thailand, Indonesia and more.
Choose AA split if
you want free typed entries with no daily cap and no ads, receipt scanning on your device, chat entry in the app or Telegram, and bills split with other people, with only your share counted as your spending.
Moving your records
Money Lover Premium exports to Google Sheets. AA split exports CSV, Excel and PDF for free. Its import supports group CSVs from bill-splitting apps, not personal tracker exports, so keep your old history as a file and start recording new spending in AA split.
Common questions
Is AA split a good Money Lover alternative?
It can be if you want an ad-free tracker without paying, free CSV, Excel and PDF exports and bill splitting in the same app. If you want bank linking, savings goals or debt tracking, Money Lover offers those, some through paid options.
Is Money Lover free?
Money Lover is free with in-app purchases. Its App Store listing describes a one-time Premium purchase that removes ads and adds features such as multiple wallets and Google Sheets export, plus a paid monthly Linked Wallets service for bank linking.
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