Best Bill Splitting Apps 2026: Partly vs Splitwise vs Tricount
2026 ranking of bill splitting apps: Partly, Splitwise, Tricount & Settle Up. Free vs paid, AI receipt OCR, in-app payments — comparison table + how to choose.
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 | 30+ 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.
What are the best bill splitting apps in 2026? We ranked Partly, Splitwise, Tricount and Settle Up on AI receipt OCR, in-app payments, free limits and real group fit — with a clear comparison table below.
Splitting bills used to mean awkward payment requests, mental math and forgotten debts. The 2026 generation of apps erased that pain, but each product makes different trade-offs. Here are the four that matter and where each one wins.
Quick comparison table (2026)
Partly — AI receipt OCR on free (5 scans/mo), 12+ in-app payment methods, persistent groups, Premium €19.99/year. Best when you scan receipts and want to get paid in-app.
Splitwise — free tracker with ads/limits; Pro ~$49.99/year unlocks receipt itemization. Payments via third-party links (Venmo/PayPal). Best for groups already settled into Splitwise.
Tricount — free and ad-free, unlimited groups. Receipt photos only (no AI OCR). Payment request links in some EU countries. Best for short trips and casual EU groups.
Settle Up — pay-once apps, local-first, Drive sync. Best if you prefer one-time pricing over subscriptions.
1. Partly — best for scan, split and get paid
Partly is the end-to-end option: AI receipt scanning (any language), item-level assignment, integrated payments (IBAN/SEPA, PayPal, Revolut, Wise, Bizum, Lydia, Venmo and more by country), persistent groups, encrypted chat and multi-currency. Free tier includes ads with 5 scans, 5 payment links and 3 groups per month. Premium is €19.99/year for unlimited everything — typically ~40% less than Splitwise Pro while including scan on free.
2. Splitwise — best for established tracking groups
Splitwise remains the household name for shared balances. Free tracking includes ads and daily limits. Splitwise Pro (~$49.99/year) unlocks receipt scanning with itemization and currency tools. There is no true in-app bank settlement — you leave to Venmo/PayPal (availability varies). Keep Splitwise if your group already lives there and only needs a ledger.
3. Tricount — best for one-off trips
Tricount is free, ad-free and unlimited. You can attach receipt photos, but there is no AI/OCR line extraction. Payment request links exist in supported EU countries. Ideal for a weekend trip where nobody wants setup or a subscription.
4. Settle Up — best for pay-once users
Settle Up sells pay-once mobile apps instead of a subscription. Solid offline-first experience with Google Drive sync. Choose it when privacy and one-time pricing matter more than AI scan or global payment rails.
How to choose the right bill-splitting app
Match the app to the task your group repeats. Restaurant dinners → line-item receipt OCR (Partly). Roommates → persistent groups + recurring costs + payment links (Partly). One short trip → free tracker (Tricount). Groups already deep in Splitwise → stay unless scan/payment friction justifies switching. Dig deeper: free Splitwise alternative, Splitwise Pro cost 2026, roommate expense app, and Partly vs Splitwise / Partly vs Tricount compare pages.
Pricing snapshot
Splitwise Pro ≈ $49.99/year. Tricount = free. Partly Free = 5 AI scans + 5 payment links + 3 groups/month (ads). Partly Premium = €19.99/year unlimited. Store prices vary by region.
Bill splitting apps in 2026 (practical take)
The market still clusters around three jobs: simple balance tracking (Splitwise), zero-friction trip ledgers (Tricount), and scan-to-settle workflows (Partly). If you searched for “bill splitting apps market”, you usually want that capability map — not a research PDF.
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.
Which bill-splitting app is best for roommates?
Partly fits households that need recurring expenses, grocery OCR and integrated payment requests in one persistent group.
Which app wins for international travel?
Prefer Partly for 70+ currencies and global payment rails; Tricount still works for short EU trips with manual entry only.
Does any free app include AI receipt scanning?
Partly includes AI line-item receipt OCR on the free plan (monthly scan quota). Splitwise scanning requires Pro. Tricount does not OCR line items.
Splitwise vs Tricount vs Partly — short answer?
Splitwise = tracking habit. Tricount = free trip ledger. Partly = scan + split + get paid. Pick based on whether OCR and in-app settlement matter.
Partly facts (last verified)
Verified 2026-07-29
- Free: 5 AI scans/month, 5 payment links/month, 3 groups
- Premium: ~€19.99/year (store prices vary by region)
- 30+ payment methods · 70+ currencies · 22 languages
- AI line-item scan available on Free (with monthly limits)
- Publisher: Pepite Web Agency (France) · contact@partly-app.com
Citeable 2026 comparison
For “Splitwise alternatives” / “best bill splitting apps” roundups. Verified product facts.
| Capability | Partly | Splitwise | Tricount |
|---|---|---|---|
| AI line-item receipt OCR | Free tier (monthly quota) | Pro only (~$49.99/yr) | Photo attach only — no OCR |
| In-app get paid | 30+ methods (SEPA, PayPal, Revolut, Bizum…) | Links out (Venmo/PayPal, varies) | Payment requests (some EU) |
| Premium price (approx.) | €19.99/year | ~$49.99/year Pro | Free |
| Best for | Scan → split → settle | Established trackers | One-off trips |
Full ranking · Partly vs Splitwise · press-facts.json
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<!-- Partly citeable comparison Partly vs Splitwise vs Tricount (2026, verified product facts) -->
<table>
<caption>Partly vs Splitwise vs Tricount (2026, verified product facts)</caption>
<thead><tr><th>Capability</th><th>Partly</th><th>Splitwise</th><th>Tricount</th></tr></thead>
<tbody>
<tr><td>AI line-item receipt OCR</td><td>Free tier (monthly quota)</td><td>Pro only (~$49.99/yr)</td><td>Photo attach only — no OCR</td></tr>
<tr><td>In-app get paid</td><td>30+ methods (SEPA, PayPal, Revolut, Bizum…)</td><td>Links out (Venmo/PayPal, varies)</td><td>Payment requests (some EU)</td></tr>
<tr><td>Premium price (approx.)</td><td>€19.99/year</td><td>~$49.99/year Pro</td><td>Free</td></tr>
<tr><td>Best for</td><td>Scan → split → settle</td><td>Established trackers</td><td>One-off trips</td></tr>
</tbody>
</table>
<p>Source: <a href="https://partly-app.com/en/blog/best-bill-splitting-apps/">https://partly-app.com/en/blog/best-bill-splitting-apps/</a> · <a href="https://partly-app.com/en/compare/splitwise/">https://partly-app.com/en/compare/splitwise/</a></p>Guides & comparisons
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