Tricount vs Splitwise: Which Is Better in 2026?
Splitwise free caps you at 4 expenses a day; Tricount has no limit and no paid plan. Prices, currencies, offline use and recurring bills compared.
Splitwise and Tricount are the two apps most people think of when a group needs to split expenses. Splitwise has been around for years and is probably on your friends’ phones already. Tricount is the free app many people try when Splitwise’s daily expense limit gets in the way. And if you’re already on Tricount, you may be looking for a Tricount alternative because you need recurring bills, a web app or exports. Spliteo is a third option, and it’s ours. If the app you’re weighing is a different one, we also compare Splitwise vs Splid and Splitwise vs Settle Up.
Full disclosure: this is the Spliteo blog, so we’re not neutral. What we can do is compare only facts you can check, link the source for each one, and say plainly where Spliteo falls short. Everything about Splitwise and Tricount below was checked on their own sites, help centers and store listings on October 2, 2026. Apps change, so follow the links if you’re reading this much later.
Splitwise vs Tricount vs Spliteo at a glance
| Splitwise | Tricount | Spliteo | |
|---|---|---|---|
| Free plan limit on expenses | Up to 4 a day | “No limits” | No daily or monthly cap |
| Paid plan | Splitwise Pro; prices aren’t on its website, store prices vary by country | None; Tricount Premium was discontinued | Premium, from US$1.99/month on the web; app stores localize |
| Ads | Pro is sold as “no ads”; free users see Pro upsell screens | Says “No ads”; Google Play labels the app “Contains ads” | None |
| Currencies | 100+; balances stay separate per currency; conversion is Pro | Multiple currencies; currency conversion included | 107; balances stay separate per currency; no automatic rates |
| Adding expenses offline | Yes (“offline entry”) | Yes | No; offline you can only view cached data |
| Recurring expenses | Yes | No; add each bill manually | Yes; 1 active on Free, unlimited on Premium |
| People without an account | Placeholder friends, added by name from the web app | Not documented | Guest members, added by name |
| Settling up | Simplify Debts cuts the number of payments | Proposes reimbursements that limit the number of transactions | A short list of who pays whom, per currency |
| Receipt scanning | Pro | Not in its feature lists | 3 scans a month on Free, 20 on Premium |
| Export | Spreadsheet export is free; JSON backup is Pro | CSV/PDF export was removed; ask support for a copy | CSV (30 days on Free, 365 on Premium); PDF on Premium |
| Platforms | iOS, Android and web | iOS and Android | Web, iOS and Android |
| Import from Splitwise | — | Yes, a group at a time | No |
| AI assistants (MCP) | No official MCP server that we could find; community servers exist | No official MCP server that we could find; one usable community server | Official MCP server, on Premium |
The sources for each row are linked in the sections below.
Splitwise
Splitwise is made by Splitwise, Inc. and runs on iOS, Android and the web. Its feature list is the longest of the three: several payers on one expense, splits by percentages, shares or exact amounts, recurring bills, comments, an activity feed, and integrated payments through Venmo and PayPal in the US and Paytm in India (App Store listing). You can add expenses offline, and Simplify Debts restructures who owes whom to cut the number of payments. To include someone who has no account, you can add a placeholder friend by name only from the web app.
The free plan’s limit. Splitwise’s help center says free users can add up to 4 expenses each day. That’s enough for rent and a weekly grocery run, and tight on a trip, where a normal day can easily have six expenses. Splitwise sells Pro as “No limits and no ads”, and in one test, adding expenses on the free plan brought up a full-screen Pro promotion.
Currencies. Splitwise supports 100+ currencies and keeps the balances in each currency separate by default. Converting everything to one currency at the current exchange rate is a Pro feature.
Export. Exporting a group or friendship as a spreadsheet is free; a JSON backup of your account is Pro (help center).
Splitwise Pro. Pro adds unlimited expenses, currency conversion, receipt scanning and itemization, charts, search, default splits, no ads and, in some countries, transaction import from your card (Pro page, help center). The help center lists three plans: Individual + Trip Pass (annual), Duo + Trip Pass (annual, for two people) and Monthly. The yearly plans include a Trip Pass that gives Pro to one trip group for 30 days. Splitwise doesn’t publish prices on its website. Its App Store listing shows Pro purchases from US$2.99 to US$39.99 in the US store and up to US$59.99 in the Argentine store, which prices in dollars. Our Splitwise Pro price guide goes through what it costs by country.
AI assistants. We found no official Splitwise MCP server (checked October 2, 2026). Splitwise has a public API, and unofficial, community-built Splitwise MCP servers exist on GitHub. Check who runs a hosted one before you give it access to your account. If you’ve seen “Ask Splitwise”, that’s an advice column on Splitwise’s blog, answered by the Splitwise team, not an AI assistant.
Good fit if your group is already on Splitwise, you rarely add more than a few expenses a day, or you want recurring bills, offline entry and a web app in one place.
Tricount
Tricount is owned by bunq, the Dutch bank, which announced the acquisition in May 2022. Its pitch is short: “Free. No ads. No limits.” There’s no paid plan. Tricount Premium was discontinued when the new app came out, and Tricount’s App Store listing says “no subscription, no hidden fees, no limit on tricounts or expenses” (App Store).
What you get. Multiple currencies with conversion included, offline use, expense photos, payment requests, and splits equally, by amount or by custom shares (Google Play, tricount.com). You can try it without signing up. Its help center explains how to add participants to a tricount, but doesn’t say whether they need an account of their own. Tricount also imports a group from Splitwise, which makes it the easiest of the three to move to if your history is in Splitwise. When it’s time to settle, Tricount proposes reimbursements, and “the goal is to limit the number of transactions between participants”.
What’s missing. Tricount’s own comparison says recurring bills mean you “add each bill manually” (tricount vs Splitwise). CSV and PDF export were among the Premium features removed with the new app; to get a copy of a tricount, its FAQ says to write to support (FAQ). The FAQ and tricount.com only offer the app for iOS and Android; we found no web app for adding or editing expenses.
The bunq side. The app is free, and bunq promotes its own products inside the Tricount experience: tricount.com invites you to connect a bunq card so shared expenses are added automatically. That’s optional; nothing we found says you need a bunq account to use Tricount. One more detail: the website says “No ads”, while Google Play shows its “Contains ads” label on the Tricount listing. We can’t tell you what that label refers to, only that it’s there.
How many people use it. The store listings say over 17 million users; the website says more than 20 million. Either way, it’s a big app.
AI assistants. We found no official Tricount MCP server or public API. The only usable community server we found is Javo2804/tricount-mcp, which describes itself as unofficial and built on a reverse-engineered private API that “may stop working without notice”.
Good fit if you want a completely free app with no expense cap, you split mostly on your phone, and you don’t need recurring bills or exports.
Spliteo: a Splitwise and Tricount alternative
Spliteo is an expense-splitting app for the web, iOS and Android, built by a solo developer in Uruguay. It’s much newer and much smaller than the other two, so it doesn’t have their track record.
The free plan has no daily or monthly cap on expenses. It includes up to 6 groups (created and joined count together), 3 receipt scans a month, 1 budget, 1 savings goal and 1 active recurring expense, and CSV export of the last 30 days. Splitting by Evenly, Amount or Parts, several payers on one expense, guest members and settlement suggestions are all free. There are no ads.
Premium costs US$1.99 a month, US$19.99 a year or US$59.99 once for lifetime access on the web. In the App Store and Google Play, the stores set their own local prices, so they can differ. It adds unlimited groups, budgets, goals and recurring expenses, 20 receipt scans a month, PDF exports, CSV exports of up to 365 days, analytics charts and the AI assistant connector.
Currencies. Spliteo supports 107 currencies and keeps one balance per currency, the way Splitwise does by default. There’s no live exchange rate: if you settle a debt in another currency, you type the rate or the amount you paid.
AI assistants. Spliteo has an official MCP server, so you can add expenses and check balances from Claude, ChatGPT or another MCP client. It needs Premium. Here’s how it works.
Where it falls short. Be aware of these before you switch:
- Offline is read-only. Without a connection you can see cached balances, but you can’t add expenses until you’re back online. Splitwise and Tricount both let you add expenses offline.
- No import. Spliteo can’t import groups from Splitwise or Tricount.
- Free has limits of its own. 6 groups and 1 active recurring expense may be too few if you split with many different groups or have several fixed bills.
- Two languages. The app is in English and Spanish only.
Good fit if you keep hitting Splitwise’s daily limit, split in more than one currency, want a web app next to the mobile apps, or want to use an AI assistant.
Which one should you pick?
- Everyone in the group already uses Splitwise and you add a few expenses a day at most: stay with Splitwise. Switching costs everyone some effort.
- A trip with lots of small expenses: you need an app without a daily cap. Tricount and Spliteo both qualify; Spliteo also works in a browser for the person who won’t install another app, and Tricount works offline.
- Roommates or a couple with fixed monthly bills: recurring expenses matter. Splitwise has them, Spliteo has 1 on Free and unlimited on Premium, and Tricount has none.
- You want everything free, forever: Tricount has no paid plan at all.
- Several currencies on one trip: all three keep track of them. If you want automatic conversion, Tricount includes it and Splitwise has it in Pro; Spliteo keeps each balance in its own currency and has no automatic conversion.
- You want to use an AI assistant: Spliteo has an official MCP server (Premium); we found none for Splitwise or Tricount.
- A one-off split, like a single dinner: you may not need an app at all. Our free split expenses calculator works in the browser with no account.
How to switch
If you’re moving from Splitwise to Tricount, use Tricount’s Splitwise import. If you’re moving to Spliteo, there’s no import, so you settle up (or write down the balances) and start fresh: create a group, invite people or add them as guests, and add one starting expense per open debt. Our Splitwise alternative guide walks through each step. If the price of Pro is what’s making you look, the Splitwise Pro price guide has the details.
