If you like Splitwise but you're tired of it only tracking debts you still have to go collect, the alternative you want is a group fund. TableCash collects the money instead of just counting it: everyone chips in by card, it lands with one trusted organizer, the organizer approves what leaves, and the whole group sees every dollar. Same fairness Splitwise gives you, plus the money actually shows up in one place.

The Splitwise wall

Most people looking for a Splitwise alternative aren't unhappy with the math. Splitwise's math is fine. They're unhappy with what happens after the math: the app tells everyone their number and then leaves the group to go collect it somewhere else. So the "settle up" turns into a week of Venmo requests, a couple of people who forget, and one organizer doing rounds. A tracker can tell you the score forever; it can't make anyone actually pay. For anything that has to be collected upfront, that's the whole ballgame.

What a collecting alternative looks like

1. One person creates a table for the thing, the trip, the gift, the dues, and shares it with the group.
2. Everyone chips in their share by card, and the money lands with that one trusted organizer through Stripe, not as a promise to pay later.
3. Everyone sees the running total and who's in, and the app reminds whoever hasn't chipped in yet, so the organizer never has to.
4. Members request money from the table, the organizer approves what leaves, and every dollar in and out stays on a record the whole group can see.

Keep what's good about Splitwise, fix the ending

The thing worth keeping from Splitwise is the openness: everyone sees the same fair record, so nobody's guessing. TableCash keeps that and adds the part Splitwise leaves out, the money actually landing in one place with one person responsible for it. You don't lose transparency by switching; you gain collection. And unlike a pure tracker, there's a gatekeeper: one organizer approves what leaves the table, in the open, so the money doesn't just get tallied, it gets handled.

If you want the side-by-side, here's TableCash vs Splitwise in detail. The short version: Splitwise is the scorekeeper, TableCash is the fund. TableCash never holds the money; it moves through Stripe to the organizer, and the app is the record everyone can open.