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Alternatives

The best Zip alternatives

Buy now, pay later in instalments. If it is not working for you, here are 5 apps that do the same job, closest match first.

Built from official pricing pages and app store listings, prices checked 2026-11-01. Not paid to be here.

At a glance

AppPricePlatformsPick it if
Zip (the app you have)Free downloadApple-
DeferitFreeAppleyou want it free
SplitwiseFreeiPhone, Android, Webyou need it on Android and the web
FlexFreeiPhone, Androidyou want it free
Split PayFree downloadiPhone, Androidyou need it on Android
TricountFree. No ads, no limitsiPhone, Androidyou want it free
2

Splitwise

Free; Pro subscription

Split bills and shared expenses with housemates, partners and friends.

Pick it if you need it on Android and the web, you want it free and you want something simpler.

Free planiPhoneAndroidWeb
3

Flex

Free
Flex screenshot from the App Store

Split your rent into two payments during the month.

Pick it if you want it free and you need it on Android.

FreeiPhoneAndroid
4

Split Pay

Free download; paid upgrades in the app
Split Pay screenshot from the App Store

Split big bills into two payments timed to your paychecks.

Pick it if you need it on Android.

Free planiPhoneAndroid
5

Tricount

Free. No ads, no limits
Tricount screenshot from the App Store

Free group expense splitter for trips, shared homes and nights out, with no ads.

Pick it if you want it free, you need it on Android and you want something simpler.

FreeiPhoneAndroid

We matched these apps to Zip by what they are for, who they suit and where they run, using our research on each app's official website and app store listing. We have not tested them hands-on for this page. Check the price on each app's own site before you buy.

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