The 4 Best Apps to Split Group Expenses in 2026
A five-day trip with four people racks up thirty crossed payments and nobody remembers who paid for the petrol on Tuesday. These apps solve that and, better still, work out the smallest number of transfers needed to settle everything. In this guide we compare the 4 best apps to split group expenses in 2026.
Apps for splitting the bill between friends and flatmates
Apps for splitting shared expenses on trips, in flatshares and at dinners, with uneven splits, multiple currencies, automatic calculation of who owes whom and an exportable summary.
Top pick
Splid: Dividir Gastos
Nico Jersch · Free (with purchases) · 1M+
Best overall
4.9
85K reviews
TopApps analysis
Splid asks nobody to sign up, has no advertising and works offline: you share a code and everyone logs their own spending. It is the best rated of the lot.
Splid is the best-rated of the shared-expense apps and the simplest of the lot: no account, no sign-up, no ads. You share a code with the group, everyone logs what they spend, and the app tells you who owes what at the end. It works completely offline.
Pros
- No sign-up or account for anyone
- No ads or pushy paid features
- The best-rated app in its category
Cons
- Losing the group code makes recovery awkward
- Fewer advanced features than Splitwise
- No web version for checking from a computer
Last updated: 2025-08-23
Tricount: Gastos Compartidos
bunq · Free · 10M+
The easiest to get the group to use
4.8
192K reviews
TopApps analysis
Tricount works from a simple link, without forcing everyone to set up an account, which is what makes most of these apps fail.
Tricount is the European answer to Splitwise, with one decisive advantage for groups: nobody else has to sign up, you just share a link. The essentials are free and the app stays straightforward, which makes it the easiest option to get a not-very-tech-savvy group of friends to actually use.
Pros
- No sign-up needed for everyone, a link is enough
- Free across all the essential features
- Very highly rated by users
Cons
- Fewer integrations than Splitwise
- The app pushes paid features you don't really need
- Interface feels basic with very large groups
Last updated: 2026-06-02
Splitwise: Dividir Gastos
Free (with purchases) · 10M+
The most complete
4.6
194K reviews
TopApps analysis
Splitwise is the industry standard: it reduces debts to the fewest possible transfers, supports several currencies and keeps permanent groups for flatshares.
Splitwise is the standard for splitting expenses between friends, flatmates or travel companions: everyone logs what they pay and the app works out who owes what, boiling it down to the smallest possible number of transfers. It handles several currencies, which comes in handy on trips abroad.
Pros
- Reduces debts to the fewest possible transfers
- Handles several currencies in the same group
- Permanent groups for flatmates
Cons
- The free plan caps how many expenses you can log per day
- Ads in the free version
- Everyone has to use the app for it to work well
Settle Up: Gastos de Grupo
Step Up Labs · Free (with purchases) · 1M+
Best with no limits
4.7
50K reviews
TopApps analysis
Settle Up puts no cap on the number of expenses in its free version and works offline, handy for logging costs on a trip with no signal.
Settle Up tackles the same job as Splitwise with a cleaner approach and no artificial caps in the free version. Its strong point is that it works properly offline and syncs later, which is handy on trips where you jot down expenses with no signal.
Pros
- No expense limit in the free version
- Works offline and syncs later
- Split by shares, percentages or exact amounts
Cons
- Smaller community and support
- Ads in the free version
- Less well known, harder to talk the group into it
Frequently asked questions
Which is the best free app for splitting expenses?
Splid and Tricount, for different reasons. Splid is the best rated and has no advertising and no sign-up, which keeps it very clean. Tricount is the easiest to impose on a not-very-technical group because sharing a link is enough. Splitwise is more powerful, but its free version caps how many expenses you can log per day.
Can an expense be split unevenly?
Yes, all of them allow it and in practice it is essential: whoever skipped dinner doesn't pay for it, and whoever slept in the single room pays more. You can split by shares, by percentages or by entering exact amounts per person. Splitwise and Settle Up offer the most flexible splitting.
Do they work with several currencies on a trip abroad?
Yes. Splitwise, Splid and Settle Up let you log expenses in different currencies within the same group and convert automatically. It is worth setting the settlement currency when you create the group so the final balances come out in the one you will actually use to transfer the money.
Do these apps move the money?
No, and this matters: they only keep track of who owes what. The final payment is down to you, by Bizum, bank transfer or cash, and then you mark the debt as settled in the app. Some offer links to payment services, but the money never passes through the application.
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