The 4 Best Expense Splitting Apps in 2026

Last updated: July 15, 2026

Looking for the best app to split expenses with friends, roommates, a partner, or a group trip? We've used most of them, and there's no single winner for everyone. The right choice depends on whether you need lots of features, want a completely free app, or prefer a one-time purchase instead of a subscription.

Below is our comparison of the four apps we recommend in 2026. We're the developers of Splital, so we're biased, but we'll try our best to compare them fairly.

How we compared these apps

We looked at the things that matter most when you split expenses every day: the free features, whether the app handles Recurring Expenses, whether it lets you set a Custom Default Split, how well it categorizes expenses, the statistics, and whether you need to create an account. Here is where each app lands.

1. Splitwise, best for occasional use

Splitwise is the most famous of the four. It has been around since 2011 and has lots of features, including the only web app in this roundup. Its main drawback is a very limited free plan, which makes Splitwise suitable only for occasional use.

Pros

• The most famous option, so the people you split with may already know it
• The only app with a web app, so you can add expenses from a browser
• It has lots of features, although most of them are paid

Cons

• The free plan caps you at 3 expenses per day and contains ads
• Custom Default Split, expense search, and statistics are paid
• Automatic categorization and statistics are basic
• Everyone in the group needs to create a Splitwise account
• No PDF export

2. Splital, best for everyday use

Splital is the app we built after using Splitwise for several years, because we didn't like the new direction of the app and all the restrictions it was adding to its free plan.

It launched in 2024 and has a generous free tier that includes all the features you need for everyday use. It categorizes expenses automatically and offers advanced charts and statistics by category and person. Its main drawback is that it's mobile-only.

Pros

• It has lots of features, and most of them are free
• Automatic expense categorization (90% accuracy)
• Advanced spending charts and statistics
• Account creation is optional, and you can add people just by typing their names

Cons

• Mobile-only, with no web app
• PDF/CSV export, image attachments, and charts are paid

3. Tricount, the completely free app

Tricount is a basic app to split expenses for free. It's owned by the Dutch neobank bunq, which acquired it in 2022, and it offers the basic features with no ads and no paid tier. Its main drawback is that it stops at the basics, with no Recurring Expenses, no reusable Custom Default Split, and no way to export your data.

Pros

• Completely free with no ads
• Image attachments and basic charts are free

Cons

• No Recurring Expenses and no reusable Custom Default Split
• No automatic expense categorization
• No PDF/CSV export
• Simplify Debts is always on, with no way to disable it
• Needs an account to have more than two groups
• Mobile-only, with no web app

4. Splid, the one-time-purchase app

Splid is an independent German app, built by a single developer since 2015, and it's the only one with a one-time purchase instead of a subscription. It covers all the basic features and lets you export a PDF summary for free. Its main drawbacks are a free tier limited to one group and the lack of several advanced features. Its features are comparable to Tricount's, but Splid allows data export.

Pros

• A single one-time purchase unlocks extra features
• Free PDF export

Cons

• The free version is limited to a single group
• Statistics and Excel export are paid
• No Recurring Expenses and no Custom Default Split
• No image attachments
• No automatic expense categorization
• Login is missing, so switching phones means rejoining each group by hand

How to choose the right app for you

All four apps split bills correctly and work offline. What separates them is how much you use them and which features matter most to you.

• Choose Splitwise if you want the most famous option or a web app. The free version works only for occasional use, because its limit of 3 expenses per day is very tight.
• Choose Splital if you want a powerful app with a free tier that supports your everyday use. Advanced statistics and charts are paid.
• Choose Tricount if you need only basic features and prefer a completely free app with no data export.
• Choose Splid if you need only basic features and prefer to make a one-time purchase to export your data.