The best apps to split bills and expenses with friends in 2026

Disclosure first: kisir is our app, and it is one of the six below. We have tried to give it the same space and the same plain treatment as the others. For every other app, we only state what its own website or App Store/Google Play listing said at the time of writing (17 October 2026). Apps change, so treat this as a starting point and check the listing before you commit a group to it.

What to compare

Most expense apps do the core job: record who paid, split it, and tell you who owes whom. The differences that decide a real group are smaller:

1. Does everyone need an account? One person who will not sign up can stall a whole trip.
2. Does it work offline? Mountains, ferries and roaming switched off.
3. Other currencies. Conversion, and whether you can correct the rate.
4. What is free? Many apps are free for the basics and charge for extras.
5. Which platforms? Phone only, or also the web.

Splitwise

Splitwise is the best-known name in this space. Its homepage says it is free for iPhone, Android and web, and lists features including offline mode, 100+ currencies and unlimited expenses. It also describes a paid Pro tier: its homepage lists receipt scanning and currency conversion under Pro, and its App Store listing describes Pro as an auto-renewing subscription that also adds things like itemizing receipts, budgeting tools and search across your full history.

The free side, per the App Store listing, includes groups, equal or unequal splits (percentages, shares, exact amounts), multiple payers, recurring bills and CSV export. Its homepage shows “Sign up” and “Log in”, and members are asked to have an account. Fits: groups that all have it already, or people who want recurring bills and a web version.

Tricount

Tricount’s homepage says it is available on iOS and Android and describes itself as “Free. No ads. No limits.” Its comparison table lists offline use as available and currency conversion as included, and the homepage invites you to try it without signing up. Its help center says the app asks you to identify yourself the first time you become part of a tricount; it does not say whether joining requires an account, so we have left that blank in the table. Fits: groups that want a free, no-ads app on a phone.

Splid

Splid’s site says “Splid is free!” and “there’s no sign-up required”. It describes an offline group you can create in seconds, an optional sync to enter expenses together, more than 150 currencies with automatic conversion, and downloadable summaries as PDF or Excel. The site links to App Store and Google Play listings and does not mention a web version. Fits: a trip where you want to start fast, offline, and without registering anyone.

Settle Up

Settle Up’s own site loads as a bare page that we could not read, so what follows comes from its App Store listing. It says the app works offline and syncs when you are back, supports all currencies with real-time exchange rates, and lets you invite people with a link or QR code. A group link lets friends view the balance in their browser without downloading anything; the listing does not say whether members need the app to add expenses. The app is free with in-app purchases: the listing names a Premium tier that adds extras such as receipt photos, recurring expenses, custom categories, Excel export and ad-free use. Fits: travelers who want link or QR sharing and are fine with an optional paid upgrade. We did not verify its Android listing, so check the store for your phone.

Kittysplit

Kittysplit works in the browser as well as in apps. Its homepage says “No registration, no password, totally free”, offers apps for iPhone and Android, and says it works on every device with a decent browser without installing the app. Its help page says the secret Kitty link is all anyone needs to join, and that accounts are optional. Working with multiple currencies needs an upgraded Kitty, which its blog calls a small fee, so a single-currency group stays free. We could not find a statement about offline use. Fits: a one-off event or dinner where some people will only ever open a link.

kisir

kisir (our app) needs no account, email or password: you pick a display name, and an optional email only restores your groups on a new phone. You join a group by link, QR code or six-character code, and someone without the app can be added by name and is in every split. Expenses can have one or several payers and be split equally, by shares or by exact amounts. Each expense can be in any currency; kisir fills in today’s exchange rate and you can change it to what your bank charged. It works offline, can export the whole ledger to CSV or Excel, and is free with no ads, no subscription and unlimited groups and people, on iPhone and Android.

kisir does not scan receipts, itemize a bill line by line, handle recurring expenses, connect to banks or cards, move money, or run on the web. If you need any of those, one of the apps above may suit you better. Fits: groups where someone will refuse to sign up.

Comparison table

A dash means we could not confirm it on an official page.

A dash does not mean an app lacks the feature, only that we did not find it stated.

The best free bill splitting apps

“Free” means different things here, so these are the differences as each app’s own pages put them at the time of writing:

• Free, by their own description: Tricount (“Free. No ads. No limits.”) and kisir (free, no ads). Both are phone apps.
• Free, with a paid add-on for some features: Splid says it is free, while its App Store listing mentions in-app purchases, and Excel export is one of them. Kittysplit is free for one currency, and multiple currencies need an upgraded Kitty.
• Free, with a paid tier: Splitwise and Settle Up. Check whether the feature you want is on the free side, especially currency conversion in Splitwise and Excel export in Settle Up.

Is Tricount better than Splitwise?

It depends on what your group needs. Going only by what each app says about itself at the time of writing:

If your group already uses Splitwise and is happy, nothing here is a reason to move. Our Tricount comparison has more detail.

Is Splid or Splitwise better?

These two differ most on accounts. Splid’s site says no sign-up is required and describes offline groups, so it fits a trip that needs to start quickly. Splitwise’s homepage shows sign-up and log-in and adds a web version and recurring bills, so it fits a settled group that already has accounts. Splid lists more than 150 currencies with automatic conversion, while Splitwise lists more than 100, with conversion under its paid tier. Our Splid comparison goes further.

What is the best app to split money with friends?

If you only need to send a friend their half, you may want a payment app or your bank rather than anything on this page. All six apps here work out who owes whom, and kisir does not move money at all. Our guide to splitting money with friends explains which tool does which job.

How to choose

A trip. Currencies and offline matter most. You will pay in several currencies, and signal drops. Pick an app that converts per expense and lets you set the rate your bank used; our guide to splitting expenses in multiple currencies explains why that last part matters. For trip method in general, see how to split costs on a group trip.

A flat. This is the case for the long haul, so features like recurring bills, history and export count for more. Everyone lives in the same place, so installing an app is an easy ask, and a fuller app may be worth its paid tier.

One dinner or event. Speed wins. Pick whatever the least technical person can join in under a minute, which in practice means a link or code and no registration. For a single meal you may not need an app at all; see splitting a restaurant bill.

Does everyone need to install it? Ask the group once. If everyone says yes, any app works. If one person will not, choose one that supports joining from a link or adding a person by name. Our comparison with Splitwise goes deeper on this.

Currencies. If any expense will be in a second currency, check whether conversion is free in the app you choose. Some apps include it; others list it under a paid tier.

One last rule: use one app per trip. Two ledgers for one trip is the surest way to an argument. Whichever you pick, settle the old group where it is and start the next one fresh.