9 Best Expense Sharing Apps of 2026

Splitwise is the app most US housemates already know, and its free tier covers the daily work of a shared apartment: groups, unequal splits by percentage, shares or exact amounts, multiple payers on one bill, recurring rent and utility entries, and a debt simplifier that turns a tangle of IOUs into the fewest payments. It runs on iPhone, Android and the web, supports 100+ currencies, and lets people settle by recording cash or by paying through its Venmo and PayPal integrations in the US. Splitwise Pro adds receipt scanning with item assignment, currency conversion at current rates, spending charts by category, full expense search, 10GB of receipt storage and an ad-free app. The Pro page lists unlimited expenses each day as a Pro benefit, which means free users meet a daily limit. On the US App Store, Splitwise Pro in-app purchases run from $2.99 to $39.99, and Splitwise says the price varies by plan and country.

Tricount takes the opposite approach to Splitwise: there is no paid tier at all. Its site sums it up as free, no ads and no limits, and the App Store listing adds no subscription, no hidden fees and no limit on tricounts or expenses. You name a trip, dinner or household, invite the group, add expenses with who paid and who was included, and Tricount shows who owes what. Payment requests let the person who paid see who has sent their share and who still needs a reminder, and expense photos, offline entry and multiple currencies cover the basics for travel. Spending insights show your own share and the group total in one place. The catch for US users is that the money side is built around bunq, the European bank that owns Tricount: automatic expenses come from a bunq Card. US roommates can still track balances for free, then pay each other with Venmo, Zelle or Cash App.

Settle Up is built for trips. Its free tier tracks expenses for travelers, flatmates and couples, supports all currencies with real-time exchange rates and calculates the fewest possible transfers to clear the group. A default share setting lets a couple or family count as 2 or more in every split, which suits mixed groups of singles and pairs. Friends who do not want the app can open a shared group link and see balances in a browser, and the app keeps working offline. Premium removes ads and adds receipt photos, recurring and future expenses, custom categories, Excel export and spending charts. On the US App Store Premium costs $3.99 a month or $19.99 a year. The more interesting option is Group Premium at $39.99: Settle Up says it is a one-time payment, not a subscription, that turns on Premium for everyone in one group, and you can log it as a group expense so the cost is shared. Switchers can import members and balances from a Splitwise export.

Splid is the lightest app here. There is no sign-up: create a group offline in seconds, or switch on sync and share it so friends can add expenses from their own phones. It covers 150+ currencies with automatic conversion, which matters on multi-country trips, and handles the awkward cases its own page lists, such as one person paying the supermarket bill while another chips in $10, or someone ordering two extra drinks. Splid always works out the easiest way to settle up with as few payments as possible, and it exports summaries as PDF. Excel export is an in-app purchase. On the US App Store, the extras are Splid Plus at $3.99 and an item called 2 Groups at $2.99, and the listing shows no subscription items. The trade-offs are scope and platform: there is no payment integration, and the App Store marks it as only for iPhone among Apple devices.

Spliit is the free, open source answer to the paid tiers of other apps. It runs in a browser with no account, so you can send a group link to anyone and they can add expenses without installing anything. You can split by percentage, shares or exact amounts, assign categories, attach receipt images and see how much each person spent, and its reimbursement view optimizes the transfers needed to clear the group. Recurring expenses and AI receipt scanning are available but labeled beta. Spliit is available in 24 languages, and an iPhone app rewritten in SwiftUI keeps groups in iCloud and reads receipts on the phone. The project shows its funding publicly: hosting, the database and receipt scanning are paid for by donations on Open Collective and by company sponsors. There is no payment integration, so balances are settled outside the app.

Venmo is a payment app first, but it now covers the basic splitting job too. You can split a total with friends in equal or custom amounts, schedule one-off or recurring payments, and create a group for roommates or a trip. Venmo says Groups lets you add expenses as they come up, adjust each person's share and have Venmo do the math when it is time to settle. The advantage over a pure tracker is that the payment happens in the same place. Fees are low for this use: there is no monthly fee, and sending from your Venmo balance, a debit card or a bank account to a Venmo or U.S. PayPal account costs nothing. Sending with a credit card costs 3%, and moving money to your bank instantly costs 1.75% with a $0.25 minimum and a $25 cap, while the standard transfer is free. Venmo does not document multi-currency balances, recurring expense splits by percentage or receipt scanning, so complex trips are better tracked elsewhere.

Splittr is a small, focused tracker for group trips and shared homes. Nobody needs to register, it works offline, and friends can join so each person enters expenses on their own device. It supports all currencies, custom categories, PDF and CSV export, and a smart settle-up that minimizes the number of payments. Splits can be uneven when people paid different amounts or one person benefited more, which covers the classic case of one friend ordering a steak while another only has juice. Splittr also shows statistics and fun facts about the group. The paid extras on the US App Store are the cheapest on this list: $0.99 for a month, $3.49 for a year or $10.99 for a lifetime purchase. Splittr has an Android app linked from its site, and the App Store marks the iOS version as only for iPhone. There are no payment links, so the group settles with Venmo, Zelle or cash.

Splitser is the international name for WieBetaaltWat, a long-running Dutch app, and its feature list is among the deepest here. Lists can hold expenses in more than 150 currencies, recurring expenses add subscriptions automatically, reminders flag upcoming costs, and insights break down spending by category and member. When the list is settled, Splitser's algorithm works out the fewest payments and sends the result to everyone, and you can export transactions to CSV or PDF. The weak spot for US users is payment: direct payback runs through iDEAL, Wero or Bancontact, which are Dutch and Belgian methods, so Americans will settle elsewhere. On the US App Store, Splitser Premium starts at $1.99 and an ad-free option costs $2.99, and the listing does not state the billing period for each item. Pick it if part of your group lives in the Netherlands or Belgium.

Cash App is not an expense tracker, but it solves one common splitting problem well: collecting money up front. Its pools feature lets one person start a pool to collect money with friends for a group trip or a gift, and Cash App's terms include a contributor path for people without an account, except New York residents. Sending money to friends and family is free, with no monthly or hidden fees for either side, by phone number, email or $cashtag, and activity tracking shows how much you and each friend have sent each other. Security Lock asks for your face, fingerprint or PIN before money leaves. What Cash App does not do is keep an itemized ledger of who paid for what, so roommates splitting many bills will want Splitwise or Tricount for tracking and Cash App only for the final payment.