The best apps to split expenses (2026)
We compare Splitwise, Tricount, Settle Up, Splid and Lurio: pricing, limits, whether you need to sign up, and what each is best at. Honestly — not every app wins at everything.
Updated July 2026. We review this comparison periodically.
How we evaluated them
We look at what actually matters when you share expenses, not just the feature list.
Price and free plan
What's genuinely free, what's paywalled, and whether there are limits or ads.
How easy it is to join
Whether everyone must sign up or a link is enough.
Splitting flexibility
Equal, by percentage, by shares, multiple payers.
Travel and multi-currency
Currency conversion and offline use.
Beyond splitting
Whether it also tracks your personal expenses and budget.
Quick comparison
| Feature | Lurio | Splitwise | Tricount | Settle Up | Splid |
|---|---|---|---|---|---|
| Price | Free* | Free · Pro ~$5/mo | Free | Free · Premium ~$5/mo | Free · one-time extras |
| Free-tier limit | No limit | ~3 expenses/day | No limit | No limit | 1 active group |
| Ad-free | ✓ | ✗ | ✓ | ✗ | ✓ |
| Join without sign-up | Free guests | ✗ | ✓ | View link | ✓ |
| Equal, %, and shares splits | ✓ | ✓ | ✓ | ✓ | ✓ |
| Multi-currency conversion | ✓ | Pro only | ✓ | ✓ | ✓ |
| Offline use | — | ✗ | ✓ | ✓ | ✓ |
| Receipt scanning (OCR) | ✓ | Pro only | ✗ | Premium | ✗ |
| Personal budgeting & tracking | ✓ | ✗ | ✗ | ✗ | ✗ |
| Savings projection | ✓ | ✗ | ✗ | ✗ | ✗ |
| Platforms | iOS · Android · Web | iOS · Android · Web | iOS · Android · Web | iOS · Android · Web · Win | iOS · Android |
* Lurio is free for early users (Founding Members). Prices and limits are approximate (mid-2026); apps change often — verify the current details in each app. "—" = not a highlighted feature.
App by app
Lurio
Best for: Splitting AND managing your moneyThe only one on this list that combines splitting group expenses with budgets, personal expense tracking, receipt scanning and savings projection. Ideal if you don't want one app to split and another to budget.
Keep in mind: If you'll only ever split a one-off bill and don't care about tracking your own budget, it's more than you need.
Splitwise
Best for: The most establishedThe network-effect leader: if your whole group already uses it, it's handy for an ongoing shared balance, with debt simplification.
Keep in mind: Its free plan now caps you at ~3 expenses per day and shows ads; receipt scanning and currency conversion are paid (Pro).
Tricount
Best for: One-off trips with zero frictionFree and very simple. You can join a group via a link without signing up. Strong in Europe.
Keep in mind: Since the Bunq acquisition it nudges toward its banking; it only splits bills, no personal budgeting.
Settle Up
Best for: Free and cross-platformFlexible splitting with weighted shares and the widest device coverage (including Windows and web). Unlimited transactions for free.
Keep in mind: The free plan shows ads; receipt scanning and some extras are Premium. Splitting only.
Splid
Best for: Travelling offlineGenuinely offline, no sign-up, 150+ currencies and no ads. The best pure splitter for trips.
Keep in mind: Mobile-only (no real web), one free group at a time, and it only splits bills.
Which to choose for your case
These four apps are excellent at the narrow job of dividing a bill. Lurio's difference isn't "splitting better" — it's being the only one that also manages your personal finances.
Pick Tricount or Splid if you only split one-off trips or dinners and want nobody to sign up: share a link and you're done.
Pick Splid if you travel abroad and need to split fully offline, with no account and free multi-currency. It's the leanest travel tool.
Pick Settle Up if you want a free, cross-platform splitter (even Windows) with weighted shares, and no interest in personal-finance features.
Pick Splitwise if your whole group already uses it and you just want a shared-balance ledger — though the 3-expenses/day cap and ads push many to alternatives.
Pick Lurio when splitting is only part of the job: you also want budgets, personal expense tracking, receipt scanning and savings projection in one app.
Frequently asked questions
What is the best app to split expenses?
It depends on your case. To split one-off bills with no sign-up, Tricount and Splid are very simple. For free, cross-platform group splitting, Settle Up. Splitwise is the most established. And if you also want to manage your budget and personal expenses in the same app, Lurio is the most complete option.
What is the best free app to split expenses?
Tricount and Splid are free and ad-free (Splid has a small one-time paid extra). Settle Up is free with ads. Splitwise is free but has introduced a daily expense limit and ads. Lurio is free for early users (Founding Members).
Are there apps to split expenses without signing up?
Yes. With Tricount and Splid you can create or join a group via a link without creating an account. In Lurio the organizer needs an account, but their guests join for free.
Which app is best for splitting trip expenses?
For a one-off trip, Splid stands out: it works offline, with no sign-up and 150+ currencies, ideal for travelling abroad. If the group is recurring or you also want to track your own budget, Lurio works for the trip and your day-to-day.
Can I split expenses and track my budget in the same app?
Almost no app does both: Splitwise, Tricount, Settle Up and Splid only split bills. Lurio combines splitting group expenses with budgets, personal expense tracking, receipt scanning and savings projection — so you don't need one app to split and another to budget.
Split expenses and manage your money, in one app
Lurio splits group expenses like the rest — and also manages your budgets, personal expenses and savings. Free for early users.
Try Lurio free →
