Best Bill-Splitting Apps in 2026: Five Compared
Every app on this list can divide a dinner four ways. If that were the whole job you would have stopped looking after the first one. The differences only show up at the edges — a trip that crosses a border, a bill that repeats every month, a cab you need to log with no signal.
Five apps, checked in August 2026 against each one’s own documentation and help centre. Where a rival does something better, it says so.
The comparison
| Split Money | Splitwise (free) | Tricount | Settle Up (free) | Splid | |
|---|---|---|---|---|---|
| Several currencies in one group | Yes | Yes | Yes | Yes | 150+ |
| Merge them into one total | Yes | Pro only | Yes | Yes | Yes |
| Set your own conversion rate | Yes, per group | No | Yes | Yes | Not stated |
| Recurring / scheduled expenses | Yes | Yes | Not offered | Premium | Not offered |
| Works offline | Yes | Limited | Yes | Yes | Yes |
| Use without creating an account | Yes | No | Not stated | Account for sync | Yes |
| Cap on expenses you can log | None | 3 per day | None | None | None |
| No ads | Yes | Ads on free tier | Yes | Ads on free tier | Yes |
| Export your data | CSV | Varies by tier | On request | CSV on Android | Paid add-on |
| Free to start | Yes | Yes | Yes | Yes | Yes |
Checked August 2026 against each app’s own documentation and help centre. Tiers and features move constantly — confirm anything you are deciding on. “Not stated” means the app does not publicly document it either way.
Pick by what you actually need
Best for trips across currencies: Split Money
Every spend keeps the currency it was paid in, the group shows a running total per currency, and you can merge them into one figure at a rate you set yourself rather than whatever the market is doing today. Balances stay split per currency too, which is what makes settling straightforward — local cash tonight, a bank transfer when you’re home. Tricount and Settle Up both handle manual rates well; the difference is the per-currency balances and no cap on logging.
Best for zero setup: Splid
No account, works offline, over 150 currencies, and you can start a group on the plane. If your priority is “start using it in ten seconds with people who will never install anything,” this is the one. The trade-off is no recurring expenses at all, and export is a paid add-on.
Best for a household with repeating bills: Split Money or Settle Up
Rent is the same amount, on the same day, split the same way, every month, and it should not need a human. Both apps will post it for you — Settle Up puts recurring transactions behind Premium and shows ads in between on the free tier. Tricount and Splid have no recurring feature at all, so rent goes back to being typed in by hand.
Best if everyone you know already uses it: Splitwise
Worth being honest about: the network effect is real. If your entire friend group is already there, that has value no feature list beats. What you are accepting in return on the free tier is a cap of three expenses a day — a single travel day blows through that before dinner — ads between screens, and currency conversion held behind Pro, so multi-currency balances stay separate whether you want them to or not.
Best fully-free, no-ads option: Tricount
Owned by bunq, genuinely free, no paid tier and no ads, multi-currency with manual rates, and it works offline. The gap is recurring expenses, and CSV export now has to be requested from support rather than tapped.
What to check before you commit
Whichever you pick, these are the questions that predict whether you will still be using it in three months:
- Does it cap what you can log? A daily limit is the fastest way to break the habit the whole system depends on.
- Can a group hold more than one currency at once? And can you undo the merge, or is conversion permanent?
- Can you set the rate? If you exchanged cash at a known rate, that is what the trip cost. A live rate is a number nobody in your group ever paid.
- Do balances stay per currency? One merged figure tells you if you’re even; it can’t tell you what to hand over.
- Does it work with no signal? You will be logging a taxi on a SIM that hasn’t activated yet.
- Can you get your data out? If export is gated or manual, your history is not really yours.
For a head-to-head on the Splitwise switch specifically, there is a longer piece on what actually differs between the two. If your issue is the currency handling, start with splitting expenses in multiple currencies. If it is the settling, working out who owes who covers that end.
Frequently asked questions
What is the best free bill-splitting app?
It depends on what you need free. Tricount is fully free with no ads and no paid tier, but has no recurring expenses. Splid is free, account-free and offline, with export as a paid add-on. Split Money is free with no cap on logging, no ads, multi-currency with your own rate, and recurring schedules included.
Which bill-splitting app is best for travelling?
Look for per-spend currencies, a rate you can set yourself, per-currency balances and real offline support. Split Money and Splid are both strong on travel for different reasons — Split Money for the currency handling and balances, Splid for starting instantly with no account.
Which apps handle recurring expenses like rent?
Split Money and Splitwise include them; Settle Up puts recurring transactions behind Premium; Tricount and Splid do not offer them at all. If you share a household, this is usually the feature that matters most day to day.
Do any of these work without an account?
Split Money and Splid both let you start using them without creating an account, with sync as something you turn on if you want it. Splitwise requires an account. Tricount and Settle Up do not clearly document account-free use.
Does Splitwise limit how much you can add for free?
Yes — the free tier caps how many expenses you can log per day, which is easy to hit on a travel day, and features including currency conversion sit behind Pro. Tiers change, so check their current plans before deciding.
Can I move my history from one app to another?
Usually only via export. Settle open balances first, export a CSV as your archive, recreate the one or two groups you actually have live, and start logging forward rather than re-entering years of history.
Try the one built for the hard half
Multi-currency groups, a rate you set yourself, recurring bills that post themselves, and logging that works with no signal.
