Splitwise vs Tricount vs Settle Up vs Splid: Which Should You Actually Use?

Splitwise, Tricount, Settle Up, and Splid are the four apps most groups end up choosing between. They solve the same problem, and they charge for it in four completely different ways, which is where most of the confusion comes from.

This is a comparison of all four on the things that actually decide it: what the free tier lets you do, what the paid tier costs, and where each app stops. Claims about each app come from its own store listing, help center, or feature pages, checked in November 2026. Where those pages don't describe something, this page says they don't describe it rather than saying the app can't do it.

Quick Verdict

The short version, before the detail:

• Group trip and nobody wants to pay: Tricount. Its App Store listing describes it as free and unlimited, with no subscription, no hidden fees, and no limit on tricounts or expenses, and it supports multiple currencies.
• Your friends already use Splitwise: Splitwise. Everyone stays on the app they already have. Just expect the free tier's limit of 4 expenses a day, per Splitwise's help center.
• Roommates who want recurring bills: Splitwise. Its App Store listing includes bills that recur weekly, fortnightly, monthly, or yearly among its general features rather than under Pro, and a household is less likely to hit a daily cap. Settle Up has recurring transactions too, listed under Premium.
• One trip, and you want everyone on the paid version: Settle Up. Its tips page says Group Premium is enabled for everyone in a single group, can be bought as a one-time payment that is not a subscription, and can be added to the group as an expense to split the cost.
• You split restaurant bills item by item: Splitwise, but only on Pro. Its Pro page lists receipt scanning with itemization, while Tricount's, Settle Up's, and Splid's listings don't describe extracting line items from a receipt.
• You want the app with no account at all: Splid. Its pages say no sign-up is required, and its listings don't mention receipt scanning, recurring bills, or spending charts.

If you want the wider field rather than these four, our roundup of the best expense splitting apps covers more options.

Splitwise

Splitwise has the most App Store ratings of the four, about 29,000 in the US as of November 2026, and its listing pitches it for roommates, trips, couples, and friends who split often.

Where Splitwise Is Strong

• Many groups already use it: If your friends are on Splitwise, adding them to a group doesn't mean getting them to install a new app.
• Balances across groups: Its App Store listing describes seeing total balances with a person across multiple groups and private expenses, which suits friend groups that never fully settle.
• Debt simplification: Its App Store listing says it simplifies debts into the easiest repayment plan.
• Platform coverage: iOS, Android, and a web app; its App Store listing describes multi-platform support for smartphones and web.

Where Splitwise Falls Short

The free tier caps how many expenses you can add per day: Splitwise's help center says free users can add up to 4 expenses each day. The free version also shows ads, and Splitwise Pro removes both limits.

The feature list behind the paywall is long. According to Splitwise's own Pro page, upgrading unlocks unlimited expenses, transaction import (listed as US only), currency conversion, charts and graphs, receipt scanning with itemization, expense search, default split settings, early access to new features, and an ad-free experience. Currency conversion is on the Pro list, which matters for a trip abroad.

Splitwise's Pro page doesn't list a price. As of August 2026 its upgrade screen listed $59.99 per year for an individual plan billed annually (advertised as $4.99 per month), $89.99 per year for a Duo plan covering two people, and $7.99 per month if you pay monthly, with a 7-day free trial on the annual plans (pricing varies by region). We go deeper on the free tier and on whether the upgrade is worth it in our Splitwise free vs Pro breakdown.

Who Splitwise Suits

Groups that already use it, and anyone whose splitting is steady and low-volume. A household that logs rent, utilities, and a few grocery runs across a month is less likely to hit the free tier's 4-a-day limit than a trip group logging many expenses in one day.

Tricount

Tricount is the European entry, owned by the bank bunq since 2022. bunq presented the 2022 deal as adding Tricount's 5.4 million users to its platform. Tricount's help center says Tricount Premium has been deprecated, so there is no paid tier to compare. bunq promotes its own Card and bunq account inside the app (linking a bunq Card adds purchases automatically), and Tricount's help center says new sign-ups get a bunq account.

Where Tricount Is Strong

• Genuinely free: Tricount's help center states that Tricount Premium has been deprecated, and its App Store listing describes the app as free and unlimited with no subscription, no hidden fees, and no limit on tricounts or expenses.
• Says it has no ads: Tricount's homepage says "Free. No ads. No limits." Its Google Play listing carries a "Contains ads" label.
• Multi-currency included: Its App Store listing says it supports multiple currencies for international trips, and it has no paid tier.
• Offline use: Its App Store listing says you can share expense photos and track everything, even offline.
• Spending insights: Its feature pages describe a breakdown of spending by category.

Where Tricount Falls Short

Tricount's help center says new sign-ups get a bunq account, and bunq promotes its own Card and bunq account inside the app. Some people are fine with this and some aren't, and it's worth knowing before you commit a group to it.

Feature depth is the other tradeoff. Tricount lets you attach photos to an expense, but its pages don't describe line-item receipt scanning or recurring expenses. According to Tricount's help center, CSV and PDF export is no longer available since Tricount Premium ended, so check with Tricount if export matters to you.

Who Tricount Suits

Trips, and any group where the cost of the app is the deciding factor. If your requirement is "track a shared trip in multiple currencies without anyone paying anything," Tricount's listing describes exactly that: free, no subscription, multiple currencies, and no limit on expenses. Our guide to splitting travel expenses covers what to track on a trip regardless of which app you use.

Settle Up

Settle Up, built by Step Up Labs, has a free ad-supported version, individual Premium plans, and a Group Premium that covers a whole group.

Where Settle Up Is Strong

• Group Premium: Settle Up's tips page says Group Premium has all the features of a regular Premium, is enabled for everyone in a single group, and can be bought as a one-time payment that is not a subscription. The same page says you can lower the cost by adding it as a group expense.
• Recurring and future expenses: Its App Store listing includes recurring and future expenses under Premium, for things like rent, subscriptions, and utility bills.
• Currencies: Its App Store listing states support for all currencies with real-time exchange rates.
• Platforms and sharing: The App Store listing covers iPhone, iPad, Mac, and Apple Vision, the app is also on Android, and its developer refers to a web version in a Google Play reply. The listing says friends can view a group's balance in their browser without the app.
• Fewest transfers: Its App Store listing says its algorithm calculates the fewest possible transfers to settle all debts.

Where Settle Up Falls Short

The free version is ad-supported: Settle Up's developer says in a Google Play reply, "We show ads after every third expense." Its listings don't describe a daily expense cap, so the free tier's limit is the ads rather than the number of expenses you can record.

Its App Store listing puts several features under Premium: receipt photos, recurring and future expenses, custom categories, Excel export, and statistics (CSV export is listed without Premium). The US App Store lists Monthly Premium at $3.99 and Yearly Premium at $19.99, with Group Premium plans from $5.99 for one week up to $39.99 for a year and $149.99 for lifetime group access (pricing varies by plan and region).

Who Settle Up Suits

Households that want recurring bills handled automatically, and one-off trips where the group is willing to split a single Premium purchase. For getting data out, its App Store listing says CSV export is available and Excel export is a Premium feature.

Splid

Splid's own pages pitch it at holidays, housemates, and relationships. The pitch is simple: enter your expenses, see who owes whom, and skip the sign-up.

Where Splid Is Strong

• No sign-up: Its App Store listing says you can share groups online with no sign-up needed.
• No daily cap described: Splid's listings don't describe a per-day expense limit, and its Google Play listing carries no "Contains ads" label.
• Multi-currency: Its pages say you can choose from more than 150 currencies and let Splid convert the amount automatically.
• Works offline: Its listing says Splid works on and offline, and that you can create an offline group or activate sync to enter expenses together.
• Fewer payments: Its App Store listing says Splid always finds the easiest way to settle up, with as few payments as possible.

Where Splid Falls Short

The App Store lists in-app purchases (Splid Plus and extra groups), and its listing says Excel export is available via in-app purchase. Its pages also mention PDF summaries. Check what the free version covers before you rely on it, especially if you split with more than one circle of people.

Feature depth is the other tradeoff. Splid's listings don't mention receipt scanning, recurring expenses, or spending charts, and its own pages describe iOS and Android apps without mentioning a web version. If your group needs any of that, check the other three first.

Who Splid Suits

One-off situations where getting everyone into an app with as little friction as possible matters more than feature depth: a weekend trip, a dinner, a one-time group calculation. It also suits anyone who specifically doesn't want to create an account for a splitting app.

Splid vs Splitwise

These solve different problems. Splitwise has far more App Store ratings and a long Pro feature list; Splid's pages emphasize that no sign-up is required and that groups work offline. Splid's listings don't describe a daily cap, while Splitwise's help center says free users can add up to 4 expenses each day, and the free version shows ads. Splitwise's Pro page lists receipt scanning with itemization, which Splid's listings don't mention. Splid suits a fast one-off; Splitwise suits a group that already lives there or wants a long-running ledger.

Splid vs Tricount

The closest matchup on this page. Both are free to download, both support multiple currencies, and both describe offline use. Splid sells in-app purchases (Splid Plus and extra groups), while Tricount has no paid tier. The difference is accounts: Tricount's help center says new sign-ups get a bunq account, while Splid's pages say no sign-up is required. Tricount adds spending insights; Splid's pitch is fewer steps. For a trip where nobody wants to create any account, Splid is the more literal answer to that requirement.

Head-to-Head Comparison

Entries reflect what each company's own listings and pages say in November 2026. Where they don't describe something, the entry says so.

Which One Fits Your Situation

The right answer depends less on features than on the shape of your splitting.

• A two-week trip abroad: Tricount. It's free and supports multiple currencies, and its listing describes no limit on expenses. Splitwise's free tier is the least suited here, because its 4-a-day limit (per Splitwise's help center) can run out on the days when you're logging six things.
• Rent and utilities with roommates: Splitwise free. Its listing includes recurring bills, and a household's daily volume usually stays under the cap. Settle Up works too, but its listing puts recurring bills under Premium. Our rent splitting guide covers the setup either way.
• A couple tracking shared costs: Any of the three works. Low volume means the caps and paywalls rarely come up, so pick the interface you like.
• One dinner with people you'll never split with again: Tricount, because a link-based group is the least you can ask of five people who don't want another app account.
• A long-running friend ledger: Splitwise. Its listing describes total balances across groups and private friendships, and your friends may already be on it.
• Restaurant bills split by what each person ordered: Splitwise Pro's page lists receipt scanning with itemization, and the other three apps' listings don't describe it. If you do this weekly, that's the feature you're paying for.
• Zero interest in creating an account for a splitting app: Splid. Its pages say no sign-up is required, and its listings don't mention receipt scanning, recurring bills, or spending charts.

One thing worth saying plainly: switching apps has a social cost. Getting four people to move a working group to a different app is harder than any feature comparison suggests, though it's less of a cold start now that apps like SplitterUp can import a Splitwise group directly. If your current app works, staying is still a reasonable decision.

A Fifth Option Worth Knowing About

We build SplitterUp, so weigh this accordingly. It sits closest to the gap the four apps above leave open: no daily expense limit, no ads, item-level AI receipt scanning, multi-currency, offline support that syncs when you reconnect, and settlement optimization, on iOS, macOS, Android, and a web app. It's free for a limited time. Create your account now and you keep Premium permanently; join later and it's a one-time $4.99 purchase, never a subscription.

The honest caveat is that it's newer, so your friends are less likely to already have it. If the deciding factor is what your group already uses, that matters. See the specifics side by side on our comparison page, or go straight to the matchup that applies to you: SplitterUp vs Splitwise, SplitterUp vs Tricount, or SplitterUp vs Settle Up.

If none of these four fit, our roundup of the best bill and expense splitting apps compares them all with SplitterUp.

Frequently Asked Questions

Splid vs Splitwise: which should I use?

Splid suits you if you want an app that needs no sign-up and your splitting needs are simple. Splitwise suits you if your friends already use it or you want a long-running shared ledger and itemized receipt scanning, which Splid's listings don't mention.

Splid vs Tricount: which should I use?

Both are free to download and both support multiple currencies, so it comes down to accounts. Tricount's help center says new sign-ups get a bunq account, since bunq acquired the app in 2022; Splid's pages say no sign-up is required. Choose Splid if avoiding any sign-up is the priority; choose Tricount if you want its spending insights and don't mind the bunq account.

Is Splid free?

Splid is free to download, and its pages say no sign-up is required. The App Store lists in-app purchases (Splid Plus and extra groups), and its listing says Excel export is available via in-app purchase, so check what the free version covers before you rely on it.

How does Splid work?

You create a group and share it online or keep it offline, and Splid's App Store listing says no sign-up is needed. Everyone adds expenses, Splid converts between more than 150 currencies automatically, and its listing says it always finds the easiest way to settle up, with as few payments as possible.