Best bill splitting apps in 2026, compared

Every bill splitting app does the math. They differ on three things: what the free plan allows, whether your friends need an account, and what happens when it is time to pay back. Here is how six of them compare, checked on their official pages in September 2026.

Which bill splitting app should you use?

• Roommates with bills every month: Splitwise, if you want the web version too.
• One trip, no signal, no sign-up: Tricount or Splid. Both work offline.
• Many currencies, friends who won’t install anything: Settle Up, which shares a balance people can open in a browser.
• Friends in the US who just need to send money: Venmo.
• A group that wants to split expenses and join as guests: Spliz.

The comparison at a glance

Splitwise: the reference for ongoing bills

Splitwise supports ongoing shared bills on mobile and the web. Its free plan limits daily expense additions; Pro lifts that cap. Repayment options vary by country: Pay by Bank is available in selected European countries, while US users can use Splitwise Pay, Venmo or PayPal. Check the available option for your account before relying on it.

Spliz vs Splitwise.

Tricount: free, offline, no account

Tricount offers shared expense tracking, offline use and a start without an account. It also lets you share a repayment request. Sending that request is not a payment confirmation: record the repayment after receiving the money.

Spliz vs Tricount.

Splid: tracking a trip, even offline

Splid is free on iPhone and Android, with in-app purchases. Nobody signs up: you share the group online, or keep it offline on one phone. It handles more than 150 currencies and exports summaries. Like most trackers, it tells you who owes whom; the transfers are yours to make.

Settle Up: many currencies, fewest transfers

Settle Up is free with in-app purchases, works offline and supports all currencies with exchange rates. Friends can open a shared link in their browser without installing the app, and it can remind members to pay. It suggests the smallest number of transfers to clear the group. Premium removes ads and adds exports and statistics.

Venmo: group expenses and payments in the US

Venmo offers money transfers. Sending from a Venmo balance, a bank account or a debit card costs nothing; a credit card costs 3%, and an instant transfer to your bank costs 1.75% ($0.25 minimum, $25 maximum). It can split a cost and manage group expenses. The limit is geography: a personal account requires being a US resident, so a trip with friends from other countries falls outside it.

Spliz: shared expenses and guest access

Spliz keeps expenses and balances in one group. Friends install the app and join through a link as guests, without creating an account. Everyone sees their share, pays back using the agreed method, then records the repayment.

The app is free, with up to 5 ongoing Spliz at a time. It needs a connection; offline tracking is not available.

How do you record a repayment?

Once you have repaid each other using the agreed method, record it in the group. Spliz updates the balances so everyone can see what remains to be repaid.

When is Spliz not the right choice?

• You add expenses with no signal and need the app to work offline: Tricount or Splid.
• Everyone is in the US and already pays each other on Venmo.
• You want a ledger on the web and the group will never settle in an app: Splitwise.

What is the best free app to split bills?

For a one-off trip, Tricount and Splid need no account. Spliz also lets friends join as guests after installing the app. To organize the group’s accounts, read how to split expenses with friends, or pick your situation: a group trip or roommates.

Is there a Splitwise alternative without a daily limit?

Yes. Spliz does not cap how many expenses you add each day and allows up to 5 ongoing Spliz at a time. Tricount is free. The full feature table is in expense splitting that settles.

Every app can tell you who owes what. Pick the one that matches how your group pays.

Sources

Spliz: features checked on 10 October 2026. Payment information for Splitwise, Tricount and Venmo reviewed on 7 October 2026. Other plan details were checked in September; consult each provider for current conditions.

• Splitwise: payment options
• Tricount: repayment requests

• Splitwise, platforms.
• Splitwise Pro, features of the paid plan.
• Tricount, price, offline use and payment requests.
• Splid on the App Store, price, sign-up, offline use and currencies.
• Settle Up on the App Store, price, offline use, sharing and Premium.
• Venmo fees, sending and transfer fees.
• Venmo user agreement, US residency requirement.