Comparison

Splitwise vs Tricount: Which Bill-Splitting App Wins in 2026?

Splitwise is the US-leaning category veteran with the biggest user base and paywalled power features. Tricount is the European free-forever pick with lighter monetization and a cleaner feel. Both are fine, but if you're all on iPhone, Supasplit beats them with AI receipt scanning, voice entry, and zero ads on the free tier.

If you've searched for a bill-splitting app, you've almost certainly landed on both Splitwise and Tricount. They've been around since 2011, they're available on iOS, Android, and web, and they dominate the category from two different sides of the Atlantic. Most reviews pick one and move on. This comparison tries to be honest about where each one actually wins. Splitwise is the American veteran. It has the largest user base, the best-known brand, and a paid tier that hides receipt scanning and currency conversion behind $3/mo. Tricount is the European challenger, now owned by Dutch neobank Bunq. It keeps the core product free forever, pushes fewer upsells, and feels lighter to use, though it skips features like recurring expenses and any kind of receipt scanning. The short version: Splitwise wins on feature depth if you're willing to pay for Pro, Tricount wins on cost and simplicity if you don't need the extras, and both lose to a modern iOS-native app like Supasplit once you care about AI receipt scanning, voice input, or personalization. We'll get into where each one actually fits below.

Splitwise vs Tricount vs Supasplit

All three compared on the same feature checklist.

AI receipt scanner

Splitwise

Pro onlyOCR-based scanner (extracts total only, not line items) behind the Pro paywall.

Tricount

NoNo receipt scanning, AI or OCR. Expenses are entered manually.

Supasplit

YesAI-powered, extracts line items, tax, and tip automatically. 1/month free, unlimited on Plus.
Voice expense entry

Splitwise

NoNo voice or natural-language expense entry.

Tricount

NoNo voice or natural-language expense entry.

Supasplit

YesDescribe an expense in natural language; the app parses amount, friends, and split method.
Split methods (equal / shares / % / exact)

Splitwise

YesEqual, unequal, percentage, shares, and adjustments.

Tricount

YesEqual, unequal, by shares, and by percentage.

Supasplit

YesEqual, by shares, by percentage, or exact amounts.
Multi-currency support

Splitwise

YesSupports most major currencies.

Tricount

YesSupports major currencies for group expenses.

Supasplit

120+ currenciesEvery currency Supasplit supports works on free and Plus.
Real-time currency conversion

Splitwise

Pro onlyFree tier records amounts in each currency but doesn't auto-convert.

Tricount

LimitedConversion is supported but rates and UX are less polished than dedicated travel apps.

Supasplit

YesReal-time rates, no extra fee.
Groups

Splitwise

YesUnlimited groups on both free and Pro.

Tricount

YesUnlimited tricounts on both free and Premium.

Supasplit

YesUp to 3 on Free, unlimited on Plus.
Friend balances

Splitwise

Yes1:1 balances available outside of groups too.

Tricount

Group-onlyBalances live inside each tricount; no persistent 1:1 friend ledger across groups.

Supasplit

YesTrack balances per friend outside of groups too.
Smart payment reminders

Splitwise

BasicManual reminders via email or the app; no AI-driven nudges.

Tricount

BasicManual reminders via share link or message; no automated nudges.

Supasplit

YesAutomatic friendly nudges with adjustable frequency; stops when settled.
Recurring expenses

Splitwise

Pro onlySet up repeating bills like rent; Pro tier.

Tricount

NoNo native recurring expense support.

Supasplit

SoonOn the Plus roadmap.
Debt simplification

Splitwise

YesWell-regarded algorithm; the category standard.

Tricount

YesStandard settle-up suggestions to minimize transactions.

Supasplit

Yes
Works offline

Splitwise

YesWorks offline on mobile; syncs when online.

Tricount

YesWorks offline on mobile; syncs when back online.

Supasplit

YesFull offline support with sync when reconnected.
Themes

Splitwise

No

Tricount

No

Supasplit

20Plus only.
Custom app icons

Splitwise

No

Tricount

No

Supasplit

6Plus only.
Home screen widgets

Splitwise

NoNo iOS or Android home-screen widget.

Tricount

NoNo iOS or Android home-screen widget.

Supasplit

YesiOS home-screen widget; Plus only.
Ads on free tier

Splitwise

YesBanner and interstitial ads on the free tier.

Tricount

Soft upsellsNo banner ads, but Premium is promoted inside the app. Lighter than Splitwise.

Supasplit

NoNo ads on any tier.
Data export

Splitwise

YesCSV export available.

Tricount

YesCSV and PDF export available for each tricount.

Supasplit

Soon
iOS app

Splitwise

Yes

Tricount

Yes

Supasplit

YesNative iOS app (currently in TestFlight beta).
Android app

Splitwise

Yes

Tricount

Yes

Supasplit

Soon
Web app

Splitwise

YesFull-featured web app at splitwise.com.

Tricount

YesWeb access at tricount.com, useful for quick shares without installing the app.

Supasplit

Soon

When to pick Splitwise

  • ✓Your group is split across iOS and Android, or someone needs a web browser login
  • ✓You want the most mature debt simplification algorithm for large, long-running group ledgers
  • ✓You're fine paying $3/mo for Pro to unlock OCR receipt scanning and auto currency conversion
  • ✓Your friends already have Splitwise accounts and you don't want to redo historical balances
  • ✓You need CSV export for taxes or shared accounting with a bookkeeper
  • ✓You value a huge, stable user base over a newer, faster-moving app

When to pick Tricount

  • ✓You want genuinely free core splitting with no banner ads getting more aggressive over time
  • ✓Your group is European and already uses Bunq or is used to Tricount from past trips
  • ✓You want something visually cleaner and simpler than Splitwise without paying for it
  • ✓Your group is on mixed iOS and Android devices for a one-off trip, ski week, or bachelor party
  • ✓You export trip recaps as PDF for shared travel accounting
  • ✓You don't care about receipt scanning, voice input, or recurring expenses
Supasplit

Where Supasplit fits in

Supasplit is the modern iOS-native third option for people who aren't thrilled with either. It does everything Splitwise and Tricount do (unlimited groups, multiple split methods, multi-currency, debt simplification, offline support, CSV export), plus the features neither gives you without a paid plan or at all: AI receipt scanning that reads every line item, voice expense entry, 120+ currencies with real-time conversion, smart reminders, a home-screen widget, 20 themes, and 6 custom icons. The free tier gives you 3 groups with no ads. Plus is $3.99/mo or $49.99/year for unlimited groups and every feature unlocked.

Where Supasplit genuinely is the better pick: all-iPhone friend groups, people who split restaurant bills often, frequent international travelers, roommate households that want a clean modern ledger, and anyone who's just tired of how dated Splitwise looks. Where it's not the right fit yet: if any of your friends are on Android, or if anyone on the ledger needs to log in via web. Supasplit is iOS-only today. Android and web are on the roadmap but not shipping now.

The honest take: most iPhone-only groups who try Supasplit don't go back. But if your group looks like Splitwise or Tricount's sweet spot (mixed devices, European travelers on Bunq, a simple one-off trip), those apps aren't wrong answers.

Try Supasplit freeSupasplit vs SplitwiseSupasplit vs Tricount

The verdict

For cross-platform groups, pick Tricount if you want free and simple, or Splitwise Pro if you want depth and don't mind paying. For iPhone-only groups who split restaurants, travel, or roommate costs regularly, Supasplit is the upgrade that makes the other two feel old. The right answer depends mostly on what devices your friends carry.

Frequently asked questions

Is Splitwise or Tricount better for splitting bills?

It depends on how much you care about features versus cost. Splitwise has deeper functionality (recurring expenses, persistent friend balances, better debt simplification in big groups) but paywalls receipt scanning and currency conversion at $3/mo and shows ads on the free tier. Tricount keeps the core free with only light upsells, but has no receipt scanning at all and weaker cross-group balances. For most European users Tricount feels friendlier; for US power users Splitwise Pro tends to win.

Is Splitwise more popular than Tricount?

Globally yes, but regionally it depends. Splitwise dominates in the US, UK, and India. Tricount is much stronger in continental Europe, especially France, Belgium, the Netherlands, Italy, and Spain. If you're planning a trip with European friends, there's a real chance they already have Tricount and not Splitwise.

Does Tricount cost money?

The core product is free forever with no limits on groups, expenses, or participants. Tricount Premium is about €2.99/mo and unlocks advanced stats, filters, custom categories, and removes in-app upsells. You don't need Premium to split bills with friends, which is one of Tricount's biggest advantages over Splitwise.

Does Splitwise have ads?

Yes, on the free tier. Banner and interstitial ads are part of the experience and users commonly report they feel like they get more frequent over time. Splitwise Pro at $3/mo removes them and also unlocks OCR receipt scanning, auto currency conversion, and recurring expenses. Tricount doesn't show banner ads even on the free plan.

Can I use Splitwise and Tricount on the same trip?

Technically yes, but it's a mess. Each app tracks its own expenses and balances, so if half your friends use one and half use the other, you'll end up with two partial ledgers. Pick one before the trip starts. If your group is truly split and nobody wants to switch, a third option everyone agrees to (like Supasplit for iPhone-only crews) can be a cleaner reset.

Which app is best for restaurant bill splitting?

Neither, honestly. Tricount has no receipt scanning at all. Splitwise Pro has OCR but only captures the total, not line items, so you still have to itemize manually. Supasplit's AI receipt scanner reads every line item, tax, and tip, and lets you assign items to people in about 10 seconds. For restaurant-heavy groups, a dedicated AI scanner is a meaningful upgrade over either.