Splitwise vs Tricount

Groups and friends, expenses and debts, equal or unequal splits, percentages or shares, balances, debt simplification, recurring expenses, offline mode, cloud sync, categories, 100+ currencies and payment integrations. Splitwise Pro adds unlimited expenses, currency conversion, receipt scanning with itemisation, charts, search, default split settings, an ad-free experience and, in some countries — the United States on their plan page — import of bank or card transactions.

An offer presented as 100% free, everyone able to add expenses and check balances, multi-currency with conversion, an offline mode with later synchronisation, insights and a built-in calculator, payment requests and integrated settle-up, plus a Splitwise importer based on a CSV export. Some bunq-related features also exist, but they depend on the user's context and do not apply to everyone.

Splitwise suits people tracking long-running accounts who will genuinely use the Pro features; the free plan's daily cap is the thing to check first.

Tricount suits groups who want everything free, especially while travelling, and who need to log expenses without a network.

The deciding factor is less the feature list than how many expenses you log per day and whether you have coverage when you log them.

If neither convinces you, our own app Pivunio takes a shorter approach: a group created in a minute, an invite link, four split modes and suggested repayments. It does not work offline and has no receipt scanning or insights — you decide whether those gaps matter for your group. See also Pivunio vs Splitwise and Pivunio vs Tricount.