Tricount vs Splitwise vs Settlia: which bill-splitting app to use in 2026
Tricount and Splitwise are the best-known apps for sharing expenses, and both do the basics well. The differences show up in free limits, how fast you can add an expense, and what happens with receipts and currencies.
Splitwise
The veteran, with a huge user base. The free version now limits how many expenses you can add per day and shows ads; receipt scanning and currency conversion are paid features.
Tricount
Simple and popular in Europe, especially for trips. Very easy to share with a link. It focuses on trips, with fewer tools for ongoing household costs.
Settlia
Built around AI: type an expense like you'd say it, dictate it, or scan a receipt and assign each item to whoever ordered it. It adds recurring expenses, balances per currency, settle-up in the fewest payments, and a personal space to see your real share of everything you spend.
Quick comparison
- Fastest to add an expense: Settlia (natural language and voice).
- Split a receipt by item: Settlia (AI scanning); Splitwise in its paid plan.
- Shared flat with recurring bills: Settlia or Splitwise.
- One-off trip with people who won't install anything: any of them works; Tricount and Settlia share by link.
Our honest take
If your group already uses one and is happy, keep it. If you're tired of typing every line or hitting daily limits, give Settlia a try: it's free to start and works on iPhone and in any browser.
FAQ
Is Tricount or Splitwise better?
Both cover the basics. Tricount is simpler for trips; Splitwise has more features but limits the free plan. Settlia adds AI receipt scanning and natural-language input.
Is there a free Splitwise alternative without daily limits?
Settlia is free to start with no daily limit on expenses; AI features have a monthly free allowance.
Which app can split a receipt by item?
Settlia scans the receipt and lets you assign each item to the people who had it.
Try Settlia free