Rent, bills and chores for a shared house, in one place.

Splitwise tracks who owes what, and each person settles up one to one, through Splitwise's own payments where it offers them or on another app. TableCash collects the money up front. Everyone chips in by card, it lands with one trusted organizer, the organizer approves what leaves, and the whole group sees every dollar. If you only want a running tally of debts, Splitwise is great. If you need the money in one place before the thing gets booked, that's the part TableCash is built for.

Splitwise ends where the problem begins

Splitwise is a very good ledger. It records who paid for what, does the math, and tells everyone their net number: you owe Ben $40, Dana owes you $12. That part it nails. Then everyone settles up one to one, through Splitwise's own payments where it offers them, on Venmo or PayPal, or in cash, a dozen separate payments instead of money in one place. A tally of debts is not the same as money in one place, and for anything that has to be booked or bought upfront, the tally is the easy half.

What each one actually does

1. Splitwise tracks. It's a shared record of who owes whom, and each person settles up with the others one to one.
2. TableCash collects. Everyone chips in their share by card and the money lands with one organizer, before anyone books.
3. Splitwise settles after the fact. People square up once the costs are in, which is the part that can drag on for weeks.
4. TableCash puts one person in charge. The organizer holds the money and approves what leaves, and the whole group sees the balance, who chipped in, and what went out.

When the tally isn't enough

Splitwise works beautifully when the money moves fine on its own and you just want a fair number at the end, a shared apartment's running costs, a long trip where everyone's covering random things. But a lot of group money can't wait for a settle-up. The beach house wants a deposit now. The league fee has a deadline. The group gift has to be bought before the birthday. In those cases you don't need to know who owes what, you need the money actually collected and sitting in one place, held by one person, before the clock runs out. That's the gap TableCash is built to fill. For a shared house, TableCash also keeps chores, repairs, house info and votes next to the rent.

The honest line: Splitwise removes the friction of remembering who owes what. TableCash removes the friction of getting everyone to actually pay into one visible place. If your group's story is "we tracked it perfectly and still spent a month asking for the money," that's the difference. TableCash never holds the money; it goes to the organizer, and the app is the record everyone can see. If you're shopping around, here's the fuller case for a Splitwise alternative that collects.