Best Bill Splitting Apps 2026: Partly vs Splitwise vs Tricount
Free & paid bill splitting apps ranked for 2026. Compare Partly, Splitwise, Tricount — AI receipt scan, in-app payments, pricing. Updated table.
Bill splitting apps compared (2026)
| Feature | Partly | Splitwise | Tricount |
|---|---|---|---|
| AI receipt scanning | Free, line-by-line | Pro only (itemizes receipts) | Photo attach, no AI/OCR |
| Built-in payments | 25+ methods, in-app | Third-party app links | Payment request links (EU) |
| Currencies | 70+ with live rates | Multi-currency; convert in Pro | Multi-currency supported |
| Persistent groups | Up to 3 free, unlimited Premium | Unlimited groups | Unlimited tricounts |
| End-to-end encrypted chat | Yes | No | No |
| Premium price | $21.69/ year | $49.99/ year | Free (no subscription) |
Based on publicly available product information (June 2026). Features and pricing vary by region and plan.
Splitting bills used to mean awkward Venmo requests, mental math and forgotten debts. The 2026 generation of apps has erased that pain — but each app makes different trade-offs. Here are the four that matter and where each one fits.
Partly: end-to-end app with AI receipt scanning, integrated payments (12+ methods), persistent groups, encrypted chat, multi-currency. Free tier with ads (5 scans, 5 payment links, 3 groups / month). Premium €19.99/year for unlimited everything. Best for: groups that scan receipts, ongoing households, international travelers.
Splitwise: the original. Free expense tracking with ads and daily limits, $49.99/year for Pro (receipt scanning with itemization + currency conversion). No in-app payments — relies on third-party app links (Venmo/PayPal, varies by region). Best for: simple cross-platform groups that already use those services.
Tricount: free, ad-free, unlimited groups. Receipt photos only (no AI/OCR); payment request links in supported EU countries. Best for: short-lived groups, casual European users, Bunq customers.
Settle Up: pay-once apps with one-time pricing instead of subscription. Solid local-first experience, syncs via Google Drive. Best for: privacy-focused users who prefer paying once.
Our pick for 2026: if you scan receipts or want in-app payments, Partly is the most capable. If you only need a free tracker for a one-off trip, Tricount stays tough to beat.
Ready to split smarter?
Join thousands of people already getting paid back faster with Partly. Free to download, no card required.