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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