Finding the right bill splitter app is mostly about knowing what the free version lets you do, and what your friends will agree to install. We compared seven apps to split expenses on a trip with friends, between flatmates or as a couple, and to settle up at the end without a spreadsheet. A useful disclosure: we make one of the seven, Banana Split. To make up for it, every claim about an app links to the page where the app says it itself (website, help centre or App Store listing), read on 21 October 2026, and every number about how groups spend comes from 183,000 real groups tracked in our app.
The short answer. There is no single best bill splitter app: there is one per type of group.
- For a trip or a weekend, with people who will not sign up for anything: Tricount, free, no sign-up and no limits.
- For flatmates or a couple who share the rent for years: Splitwise, if you can live with four expenses a day or pay for Pro.
- For a big group heading somewhere with no signal: Splid, no participant limit and offline.
- For friends who refuse to install anything: Kittysplit or Spliit, which work in the browser.
- For the widest choice of platforms and several payers per expense on the free version, ads included: Settle Up.
- For a group of four people at most, with several payers per expense, offline and without an account: Banana Split, ours.
How we judged each bill splitter app
All the apps to split bills on this list handle group expenses the same basic way: everyone logs what they paid, the app works out who owes what to whom, then suggests the fewest transfers to pay everyone back. That is not where they differ. The difference comes down to four questions, and our data says which ones really matter.
What does the free version block? This is the question that decides it most often. In our 183,000 groups, 23% have five people or more, which is over the free limit of some apps, ours included. And 73% of groups have at least one day with five or more expenses, which is over Splitwise’s daily limit.
Do you need an account? A bill splitting app is useless if half the group refuses to sign up. Five of the seven apps work without an account.
Several payers, multiple currencies? Both are rarer than people think. 11% of groups have at least one expense fronted by two or more people, and only 2% of groups created since 2024 mix more than one currency. If you are that group, it settles the question. If not, do not pick an app for it.
How long does the group last? Six groups in ten are finished within a week. For them, recurring expenses are useless. For flatmates or a couple, they save typing the rent in again every month.
The 7 apps to split bills side by side
Both tables compare these apps to split bills on what each one says about itself, and nothing else. “Not stated” means its pages do not mention it, not that it cannot do it. Prices are from the US App Store, read on 21 October 2026.
| Free version | Paid plan | Account required | |
|---|---|---|---|
| Tricount | Everything, up to 50 people per group | None | No |
| Splitwise | 4 expenses a day, with ads | Pro, from $2.99 to $39.99 | Yes, for every member |
| Splid | No participant limit | One-off purchases: $2.99 (2 groups), $3.99 (Splid Plus) | No |
| Settle Up | All the essentials, a fullscreen ad every 3 expenses | Premium $3.99/month or $19.99/year, or $39.99 once for one group | Not stated |
| Kittysplit | Up to 9 people per group | Super Kitty, $2.99 once per group | No |
| Spliit | Everything, no limits | None, funded by donations | No |
| Banana Split | Up to 4 people per group, with ads | Premium $1.99/month or $11.99/year, or $1.99 for one group | No |
| Offline | Web | Several payers | Currencies converted | Recurring expenses | |
|---|---|---|---|---|---|
| Tricount | Yes | No | Not stated | Yes, free | No |
| Splitwise | Yes | Yes | Yes | In Pro | Yes, free |
| Splid | Yes | No | Yes | Yes, free | Not stated |
| Settle Up | Yes, once the group is created | Yes | Yes | Yes, free | In Premium |
| Kittysplit | Not stated | Yes | Not stated | In Super Kitty | No, planned |
| Spliit | No | Yes | No | Yes, free | Yes, in beta on the web |
| Banana Split | Yes | Yes | Yes | In Premium | In Premium |
Tricount, the best bill splitter app for a trip
Tricount started in Belgium, and this bill splitter app has belonged to the neobank bunq since 2022. Its home page sums it up in three short phrases, “Free. No ads. No limits.”, and claims more than 20 million users. You can try it without signing up, join a group from a simple link, and a group can have up to 50 people. Expenses can be entered offline, currencies are converted for free at the day’s rate, and you can attach a photo of a receipt.
Its limits are written by Tricount itself. Its own comparison page answers recurring bills with “Add each bill manually”, one at a time. Its pages only mention iOS and Android, with no web version. CSV and PDF export disappeared with the old Premium plan: you have to write to support to get your data back. For a short stay, though, it is the simplest choice on the list. We explained how Tricount works, step by step.
Splitwise, the most complete if you pay for Pro
Splitwise is an American bill splitting app based in Providence, which runs on iPhone, Android and the web. Its free version does a lot: recurring expenses, several payers for one expense, offline entry, more than 100 currencies and CSV export. But it has two catches. First, free users can add up to 4 expenses each day, and in our data one expense in four is the fifth or later of its day. Second, every member needs to be able to log in to see their balance, so everyone creates an account.
Splitwise Pro removes the ads and the limit, converts currencies, scans receipts and adds charts and search. Since 14 October 2026, though, a new feature called Itemize lets one person photograph a restaurant or bar receipt, and the others join by QR code without the app or an account. It is free, but only in the United States and the United Kingdom: elsewhere, receipt scanning stays in Pro. The US App Store listing shows subscriptions from $2.99 to $39.99, all named simply “Splitwise Pro”, without saying which is monthly and which is yearly (in France, the range runs from €2.99 to €47.99). For flatmates whose expenses trickle in, the free version is often enough. For a trip, much less so. We measured what the daily limit really blocks.
Splid, offline and with no participant limit
Splid is a bill splitter app made in Munich by Nicolas Jersch, for iPhone and Android, with no web version. “Splid is free!”, and there is no sign-up: you join a group with a code. It works offline, converts more than 150 currencies automatically, and its French App Store listing promises “pas de limite de participants”, no limit on participants. Several people can contribute to one expense, and that is the very example on its listing: Emma pays for the groceries, but Leo put in $10.
The paid model is vague. The US listing sells two one-off purchases, “2 Groups” at $2.99 and “Splid Plus” at $3.99, with no subscription, but no page says how many groups are free or what Splid Plus unlocks. PDF export is included, Excel export is paid. For a big group heading to the mountains with no signal, it is probably the best bill splitter app on the list.
Settle Up, the most platforms, with ads
Settle Up is a bill splitting app made by a Czech team, which runs on the web, iOS, Android and Windows. Its free version is generous: several payers for one expense, every currency with real-time rates, offline entry once the group has been created online, CSV export. The other members can check the balance in their browser, without downloading the app.
The trade-off is out in the open: “A fullscreen ad is displayed after every 3rd expense added”. Premium costs $3.99 a month or $19.99 a year, or $39.99 once for a single group (Group Premium), and adds recurring expenses, receipt photos, Excel export and no ads.
Kittysplit, in the browser with nothing to install
Kittysplit, a bill splitter app born in Berlin, spent more than ten years on the web only before launching iOS and Android apps in 2025. You create a “kitty”, send the link, and nobody needs an account. It is the ideal bill splitting app for the group where one friend refuses to install anything.
The free version allows up to 9 people per group and unlimited expenses. Beyond that, or for multiple currencies and receipt photos, you have to upgrade the kitty to Super Kitty: $2.99 once per group (its pricing page says €2.99), no subscription. There are no recurring expenses for now, and the team says it is preparing a version for flatshares.
Spliit, free and open source, but not on Android
Spliit is an open-source bill splitting app created in Montreal, which sums itself up in four promises: “No ads. No account. Open Source. Forever Free.” It is funded by donations, has no limits, and its counters show more than 86,000 groups created. It works in the browser and on iPhone, iPad and Mac. There is no Android app, and its creator writes himself that he would like someone to build it.
Multiple currencies per group, receipt scanning and recurring expenses (the last two in beta) are free on the web. On the other hand, an expense has only one payer: the feature is requested on GitHub and not delivered yet. And nothing is planned for entering expenses without a connection.
Banana Split, ours, and what you pay for
Banana Split, our bill splitter app, runs on iPhone, Android and the web. The free version, with ads, covers the essentials with no account and no daily limit: several payers for one expense, equal shares, percentages or custom amounts, offline entry, repayments cut down to the fewest transfers, and an individual view that shows your share of each expense.
It stops at four people per group. Beyond that, as with multiple currencies, recurring expenses, receipt scanning, categories or export, you need Premium: $1.99 a month or $11.99 a year on the US App Store, or $1.99 to unlock a single group. Our own figures show what that costs: 23% of groups have five people or more, and those groups will pay with us, or go to Tricount, Splid or Spliit. For a group of two to four people who need neither currencies nor recurring expenses, on the other hand, the free version is enough. Our comparison table details each feature against Splitwise and Tricount.
In our data, what share of groups have five people or more?
23% of the 183,000 groups we measured have five people or more. That is the figure to check before choosing an app that caps the number of participants on its free version.
Which bill splitter app to choose for your group
A trip with friends lasting a few days. The best bill splitter app is still Tricount, unless there are more than 50 of you. Splid does just as well offline. With Splitwise on the free plan, watch out for the limit: on our trips of two to seven days, one active day in three has five or more expenses. For the practical side, see our guide to splitting travel expenses with friends.
Flatmates. Recurring expenses matter here. Splitwise offers them for free, but asks everyone for an account. Settle Up and Banana Split keep them for Premium, and Tricount and Kittysplit do not have them. We wrote separately about how to organise bills with flatmates.
A couple, or two flatmates. Two-person groups make up 43% of ours, and every app on the list accepts them for free. So the question becomes one of style: split 50/50 or in proportion to income.
A big group, a wedding, a stag do or a bachelor party. Avoid free versions capped at 4 or 9 people. Tricount, Splid and Spliit take everyone without paying.
Friends who do not want to install anything. Kittysplit and Spliit are apps to split bills that work entirely in the browser, and Settle Up lets people check balances through a link.
If you are still torn between the two best known, our Tricount vs Splitwise comparison goes further on those two.
Where the numbers come from
The usage figures come from 183,000 groups tracked in Banana Split between 2012 and August 2026, each with at least two members and five expenses, 3.8 million expenses in total. Repayments between members are excluded from the counts, and the data is aggregated and anonymous. Our users chose an app to track shared money: the figures describe them, not everyone. Everything about the other apps comes from the pages linked in the text and their App Store listings, read on 21 October 2026. If one of them changes its offer, we will correct the article.