At a glance
| Feature | AA split | Wallet by BudgetBakers |
|---|---|---|
| Free plan and paid options | Free, with no subscriptions. Optional prepaid AA credits for more AI help, from S$3 | Free tier for manual tracking. Premium subscription or one-time Lifetime Premium1 |
| Entries and accounts | No daily cap on typed entries. Personal spending plus optional shared groups | Manual tracking on the free tier; unlimited accounts with Premium12 |
| Bank account sync | Not offered; no bank login. The phone app can capture supported payment alerts (Singapore) and Apple Wallet card taps | Premium; check whether your bank and country are supported1 |
| Multiple currencies | Original amounts kept; daily reference rates with no markup, or your own rate | Supported, with automatic exchange rates1 |
| Sharing and splitting with others | Split bills in groups, track balances and record repayments. Only your share counts as your spending | Group Sharing with Premium. Bill splitting is a separate BudgetBakers app, ShareCost13 |
| Export and import | Free CSV, Excel and PDF exports. Imports group CSVs from Splitwise, Sesterce, Settle Up and Tricount | Import CSV, XLS or OFX; Excel and API integrations1 |
| Budgeting and investments | Monthly budgets, overall or by category. No investment tracking | Budgeting, planned payments and investment tracking1 |
| Web and computer access | Web browser and phone app; your account syncs at no charge | Web app, iOS and Android1 |
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 Wallet if
you want automatic bank sync with many banks worldwide, investment and net-worth tracking, planned payments or budgeting tools. BudgetBakers offers bill splitting in a separate app, ShareCost.
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
Wallet imports CSV, XLS and OFX files. 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 Wallet by BudgetBakers alternative?
If you want a free tracker that also splits bills in the same app, yes. Wallet’s strengths are bank sync and investments on Premium, which AA split does not offer.
Does Wallet by BudgetBakers split bills?
BudgetBakers offers bill splitting in a separate app called ShareCost, and Wallet Premium includes Group Sharing for households. AA split keeps splitting and personal tracking together, so your share of a group bill appears in your own spending.
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