Reckoner vs Splitwise vs spreadsheet

| | Splitwise | Spreadsheet | Reckoner |
|---|-----------|-------------|----------|
| Trip split | Excellent | Manual | Yes + reckoning verdict |
| AR/AP net | No | DIY | Yes |
| Monthly plan vs actual | No | DIY | Yes (v0.5) |
| Deliverable | Running balance | Your layout | **Reckoning page/PDF** |

Use Splitwise for ongoing groups. Use Reckoner when you want a final reckoning for a period or trip.