Splitwise vs Tricount vs Partly (2026): Full Comparison & Pricing
Three-way bill splitting comparison for 2026. Splitwise Pro pricing, Tricount free plan, Partly AI scan & payments — features, limits and which app wins.
Choosing a bill splitting app in 2026 means navigating three distinct philosophies: Splitwise (the incumbent tracker), Tricount (the free European minimalist), and Partly (the end-to-end scanner with built-in payments). This guide compares all three on pricing, receipt scanning, payments and long-term group use.
Splitwise remains the default name in English-speaking markets. The free tier tracks expenses with ads and daily limits. Splitwise Pro at $49.99/year unlocks receipt scanning with itemization, currency conversion charts and removes ads — but still no in-app money movement; you settle via Venmo, PayPal or similar third-party links depending on your country.
Tricount, owned by Bunq since 2022, is genuinely free with no subscription and no ads. You get unlimited groups, multi-currency support and payment request links in supported EU countries. The trade-off: no AI/OCR receipt scanning (photos only), no recurring expense automation and limited payment method breadth compared to Partly.
Partly targets groups that want scan → split → pay in one flow. AI receipt scanning reads every line item on the free plan (5 scans/month). Integrated payments cover IBAN/SEPA, PayPal, Revolut, Wise, Bizum, Lydia, Swish, TWINT, MB Way, Satispay, Pix, UPI and card. Premium at €19.99/year undercuts Splitwise Pro while adding unlimited scans, groups and 70+ live currencies.
Pricing snapshot (June 2026): Tricount — free forever. Splitwise — free with ads; Pro ~$49.99/year. Partly — free tier (5 scans, 5 payment links, 3 groups/month); Premium €19.99/year. For heavy users, Partly Premium costs roughly 40% less than Splitwise Pro.
When Splitwise wins: you already use Venmo/PayPal for settlement, need a dead-simple cross-platform tracker and rarely scan receipts. When Tricount wins: a one-off European trip, zero accounts wanted, free unlimited groups. When Partly wins: roommates, restaurant item splits, international travel, business teams, anyone who wants OCR and in-app IBAN/PayPal/Revolut payments.
Can Splitwise Pro replace Partly? Only if you never need in-app payments and are fine paying more for receipt scan alone. Can Tricount replace Partly? For short casual groups, yes — for ongoing households with grocery OCR, no.
What is the best free bill splitting app in 2026? Tricount for pure tracking; Partly if you want AI scan without a Pro subscription. What about Splitwise Pro pricing — is it worth it? Compare against Partly Premium: if integrated payments matter, Partly delivers more for less.
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