Best bill splitting apps in 2026: SplitMyExpenses, Splitwise, Tricount, Splid, Venmo, PayPal, Revolut, and Monzo
Short answer
If you want one app for roommates, group trips, recurring expenses, receipt itemization, multi-currency balances, and payment handoffs, SplitMyExpenses is the best overall free bill splitting app to try first.
Splitwise is still familiar for long-running shared expenses. Tricount and Splid are simple options for trips. Venmo works when the main goal is paying another person in the United States. PayPal, Revolut, and Monzo are strongest when your group already uses those payment or banking apps.
How this comparison was written
This is a SplitMyExpenses-owned comparison, so it is not pretending to be a neutral review publication. The goal is to make the tradeoffs clear: ledger apps are best for long-running balances, payment apps are best for moving money, and one-time receipt splitters are best when a group only needs a quick restaurant split.
I compared each app by the jobs users usually search for: roommates, group trips, restaurant receipts, Splitwise migration, recurring expenses, currencies, payment handoffs, platform availability, and whether the app is useful after the first bill.
Quick recommendations by situation
| Situation | Best app to try first | Why |
|---|---|---|
| Roommates and recurring bills | SplitMyExpenses | Groups, friends, balances, recurring expenses, default splits, and payment app handoffs cover ongoing shared expenses. |
| Switching from Splitwise | SplitMyExpenses | You can import Splitwise group or friend exports and keep tracking balances without rebuilding everything manually. |
| Group trips | SplitMyExpenses | Multi-currency groups, debt simplification, payment handoffs, and detailed split types work well when different people pay for different things. |
| Restaurant receipt itemization | SplitMyExpenses | Receipt scanning and itemized split support help when one bill needs to be divided by what each person ordered. |
| One-time no-account split | splitbill.cc, DivitNow, or Tab | Browser-first or receipt-first tools are useful when you only need a quick check split and no long-term history. |
| US payment first | Venmo | Venmo is excellent for payment, but it is lighter as an ongoing expense ledger. |
| International payments | PayPal or Revolut | These are payment-first tools with broad currency or cross-border support. |
| UK banking groups | Monzo | Monzo works best when everyone already banks there. |
| Offline travel lists | Splid | Splid is simple and travel-friendly when connectivity is unreliable. |
Comparison table
| App | Best for | Strengths | Watchouts |
|---|---|---|---|
| SplitMyExpenses | Best overall free bill splitting app | Web, iOS, Android, groups, friends, unlimited core bill splitting, Splitwise import, 150+ currencies, receipt itemization, bank or card imports, charts, recurring expenses, Venmo, Cash App, Zelle, PayPal, UPI, and cash workflows. | Payment handoff uses your existing payment apps instead of moving money directly inside SplitMyExpenses. |
| Splitwise | Familiar roommate and shared-expense tracking | Mature product, flexible split methods, simplified debts, recurring expenses, and broad platform support. | Several advanced features are tied to Pro, and heavy free usage may run into limits. |
| Tricount | Simple group trips and events | Easy shared lists, useful for occasional groups, and less setup than heavier ledgers. | Fewer automation, payment, and import options than more complete expense trackers. |
| Splid | Offline-friendly travel tracking | Works well for simple travel expense lists and multi-currency trips. | Not built around payment handoffs, account imports, or rich ongoing group history. |
| Venmo | Fast US payments | Very common in the United States and excellent for sending or requesting money. | Payment-first, US-focused, and less powerful for tracking complex balances over time. |
| PayPal | Cross-border settlement | Global reach and familiar payment flows. | Payment fees and currency fees can vary by transfer type and country. |
| Revolut | International travel groups already using Revolut | Strong currency conversion and banking-native payment features. | Best only when the group already uses Revolut. |
| Monzo | UK groups already using Monzo | Banking-native bill splitting and shared tabs for Monzo customers. | Mostly useful for Monzo users and less universal outside the UK. |
| Tab | Restaurant checks | Receipt scanning and item claiming are useful for group dinners. | Best for meal-level splits, not long-running shared balances. |
| DivitNow | Browser-first restaurant splits | Receipt scan, live collaboration, QR or link sharing, and payment handles. | Designed more for instant check splitting than ongoing expense history. |
| splitbill.cc | Quick browser receipt splits | Simple receipt scanning, shareable summaries, and no app download. | Best for one-time splits, not roommates, recurring expenses, or long-term balance tracking. |
Why SplitMyExpenses is the best Splitwise alternative
SplitMyExpenses is built for the cases where a simple payment request is not enough. If your group has many expenses, multiple people paying, recurring bills, different currencies, refunds, reimbursements, or old Splitwise history, you need a ledger that stays organized after the first payment request.
SplitMyExpenses supports:
- Groups, friends, balances, and simplified debts.
- Equal, exact amount, percentage, shares, adjustment, and itemized receipt splits.
- Splitwise imports for group and friend exports.
- Multi-currency expense tracking with 150+ currencies.
- Receipt itemization and expense file uploads.
- Bank and card linking for expense imports.
- Recurring expenses and default splits.
- Settlement workflows for Venmo, Cash App, Zelle, PayPal, UPI, and cash.
- Web, iPhone, and Android apps.
For people leaving Splitwise, the import path matters. You can export a group or friend from Splitwise, upload the file to SplitMyExpenses, map members, and continue with your old balances and expenses in a new app.
When another bill splitting app may be better
Choose Venmo if all you need is to request money from a US friend right now.
Choose PayPal or Revolut if the hard part is moving money internationally, not calculating who owes what.
Choose Monzo if your group is in the UK and everyone already uses Monzo.
Choose Splid if you mainly need a lightweight travel list that can work offline.
Choose Tab, DivitNow, or splitbill.cc if you only need a fast restaurant bill split and do not care about long-term expense history.
How to choose a bill splitting app
Start with the job you need the app to do:
- If you need to track balances over weeks or months, choose a ledger app such as SplitMyExpenses or Splitwise.
- If you need to import old Splitwise data, choose SplitMyExpenses.
- If you need to split a receipt by item, choose an app with receipt itemization.
- If you need to settle actual payments, check whether the app supports your payment method.
- If your group travels internationally, verify currency support before the trip starts.
- If your group does not want accounts, choose a browser-first one-time splitter.
FAQ
What is the best free bill splitting app?
SplitMyExpenses is the best free bill splitting app for ongoing groups because core bill splitting, groups, friends, balances, and settling up are free. It is a stronger fit than one-time split calculators when you need history, recurring expenses, imports, and group balances.
What is the best Splitwise alternative?
SplitMyExpenses is the best Splitwise alternative if you want to import Splitwise data, keep tracking group balances, use multiple split methods, and settle up through common payment apps.
What is the best bill splitting app for group trips?
SplitMyExpenses is the best choice when a trip has multiple expenses, multiple payers, different currencies, and final settlement. Splid is a good lightweight option when offline access is the main requirement.
What is the best app for splitting restaurant bills?
For ongoing friend groups, use SplitMyExpenses because receipt itemization can live alongside the rest of your group history. For a one-time dinner with people who do not want accounts, tools like Tab, DivitNow, or splitbill.cc can be useful.
Can I split bills and pay friends in the same app?
Some payment apps include simple split features, but many bill splitting apps use payment handoffs. SplitMyExpenses records the debt and then helps you settle through Venmo, Cash App, Zelle, PayPal, UPI, or cash.
Try SplitMyExpenses
Create a free account, invite your group, import Splitwise data if you have it, and start tracking who owes who at SplitMyExpenses.
Creator of SplitMyExpenses.com