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 the balance actually closed, in one go: Spliz.

The comparison at a glance

Splitwise: the reference for ongoing bills

Splitwise is free on iPhone, Android and the web, and it is built for balances that run for months: rent, utilities, groceries. The free plan shows ads and limits how many expenses you can add each day. Splitwise Pro lifts the limit and adds currency conversion, receipt scanning and expense search. Paying back happens outside the app: someone sends the money, then the group marks it as settled. More detail in Spliz vs Splitwise.

Tricount: free, offline, no account

Tricount is free and works offline, which matters on a hike or a flight. You can start without an account, use several currencies, and send a payment request from the app that lands in a bank account. It is a strong pick for a weekend away. See Spliz vs Tricount.

Splid: the simplest trip tracker

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: paying, not splitting

Venmo moves the money, which trackers do not. 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: tracking that ends with a settled balance

Spliz tracks shared expenses like the apps above: equal, by shares or exact amounts, one balance per person, amounts displayed in 40+ currencies. Friends join by link as guests, with no account. The difference is the end. When the group decides to settle, each member with a balance approves their part and every balance clears together in one atomic transaction, in USDC, a dollar stablecoin, on Base. Spliz is non-custodial: the money stays in each person’s wallet until it goes straight to the others.

The app is free. Settling costs 0.1% of what moves, $0.10 minimum, shown before you approve; Spliz pays the network fees. Spliz needs a connection, so it is not the pick for an offline trip.

Can you split bills with crypto?

Yes. The manual way is to send USDC to each friend, one transfer at a time, checking addresses and networks for every one. With Spliz the group settles once: every balance in one transaction, for the whole group. You can buy USDC by card and withdraw to a bank account in the app through a partner, currently Coinbase, in the countries it covers, or receive USDC from any wallet or exchange. Limits apply for compliance: 550 USDC per operation, 1,100 USDC over 24 hours and 3,300 USDC over 30 days, on what you send.

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 are free and need no account. For a group that wants to close the balance in the same app, Spliz is free and charges only at settlement. The method is the same everywhere; 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 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

• 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.