Splitwise vs Splid vs Tricount vs Settle Up for iPhone users

If you search for an expense-splitting app on iPhone, the same four names keep showing up: Splitwise, Splid, Tricount and Settle Up. They all do the core job — log who paid, split it, show who owes whom — but their free plans and paid tiers differ more than their store pages suggest.

Disclosure: we make Settleo, so weigh our take accordingly. Everything below about other apps is as of October 2026 and based on their public store and help pages. Prices are US prices and change, so check each listing before you decide.

The short answer

• Want free with no paywall on core features? Tricount is free as of October 2026.
• Already have years of history in Splitwise? Splitwise is the most established, but its free plan now has real limits.
• Want a one-time payment instead of a subscription? Splid sells a one-time unlock.
• Want subscription or lifetime options plus recurring expenses? Settle Up offers both.

The rest of this page explains the tradeoffs.

Splitwise

Splitwise is the best-known name in the category and works well for long-running shared ledgers, like roommates or couples.

As of October 2026:

• The free plan shows ads and limits how many expenses you can add per day. Splitwise does not publish the exact number on a public page we could find; users report a small daily cap plus a wait timer.
• Receipt scanning, itemized splits and currency conversion are Pro features.
• Splitwise Pro is listed at around $4.99 per month or $39.99 per year on its App Store page, with some offers lower.

Best for: groups that already live in Splitwise and are willing to pay for Pro, or that add only a few expenses a day.

The daily limit is the most common complaint, so we covered it separately in our guide to the Splitwise free plan daily limit.

Tricount

Tricount is owned by bunq. As of October 2026, its help center says the premium tier was discontinued and the app is free. Tricount also offers a Splitwise importer for people moving their history over.

Best for: trip groups that want a free, familiar app and do not mind that it is tied to a banking company.

Splid

Splid is a simple group expense splitter. As of October 2026, it uses a one-time purchase to unlock more groups and export to Excel, instead of a subscription. Store listings and third-party sources show different prices for that unlock, so check the App Store page in your country before you buy.

Best for: people who dislike subscriptions and want something simple for occasional trips.

Settle Up

Settle Up covers trips and ongoing groups. As of October 2026, its App Store page shows it as free with in-app purchases, and pricing roundups list a subscription (around $3.99 per month or $19.99 per year) plus lifetime options. Confirm the price in the app. The paid tier removes ads and adds receipt photos and recurring expenses.

Best for: groups that want recurring expenses (rent, subscriptions) and prefer the option of paying once for life.

Splitwise vs Tricount

This is the most common head-to-head, because many people look at Tricount after hitting the Splitwise free-plan limit. As of October 2026:

• Cost: Tricount is free; Splitwise is free with limits and ads, or paid with Pro.
• Moving over: Tricount’s importer can bring your Splitwise history with you.
• Ongoing households vs trips: both handle either. Splitwise’s long history suits ledgers you keep for years; Tricount being free makes it easy to start a group for a single trip.

Splitwise vs Splid

• Pricing model: Splitwise Pro is a subscription; Splid is a one-time unlock.
• Feature depth: Splitwise has more features overall, but receipt scanning, itemization and currency conversion sit behind Pro.
• Fit: Splid suits occasional trips; Splitwise suits a ledger you keep open for years.

Tricount vs Settle Up

• Cost: Tricount is free; Settle Up has a free tier with ads and paid options.
• Extras: Settle Up’s paid tier adds recurring expenses and receipt photos.
• Fit: both work well for trips; Settle Up’s recurring expenses make it the better fit for ongoing shared bills, if you are willing to pay.

What iPhone users should actually compare

Instead of asking which app has the biggest feature list, compare these five things:

1. Free-plan limits. Daily caps, group caps and ads matter more than the feature list.
2. Receipts and itemized dinners. Can you split a restaurant bill by item, with tax and tip, without paying? See how to split dinner bills by item, tax and tip.
3. Currencies. If you travel, check whether conversion is free and which rate is used. See how to track travel expenses across multiple currencies.
4. Weak signal. Can you add an expense with no connection? See offline expense tracking for trips with weak signal.
5. The settle-up. How clearly does the app show who pays whom, and how many payments does it take? See how to settle group expenses with the fewest payments.

Also check that everyone in your group can use the app. That includes Android users.

Where our app fits (and where it doesn’t)

Settleo for iPhone is coming to the App Store; it is in testing today. To be upfront about the limits: it is iPhone-only (no Android or web app), so everyone in a shared group needs an iPhone, and joining a group requires signing in with Apple or an email code.

What it includes on the free plan: receipt scanning on the phone, all five split methods (equally, by item, by percent, by shares, exact amounts), about 160 currencies, PDF export, reminders and no ads, with up to 3 active groups you create (joining other people’s groups is unlimited). Pro is $3.99 per month or $29.99 per year in the US and adds unlimited groups you create and spending by category.

If your group mixes iPhone and Android, one of the four apps above is the more practical choice today.

FAQ

Which of these apps is free without limits?

As of October 2026, Tricount says on its help center that its premium tier was discontinued and the app is free. The others have a free tier with limits or ads, plus paid options. Check each store page, because this changes.

Can I move my history from Splitwise to another app?

Tricount offers a Splitwise importer, as of October 2026. For other apps, check their help pages; at minimum, settle up in Splitwise first so you start the new app with clean balances.

Which app works for a group with both iPhone and Android users?

As far as we could see in October 2026, Splitwise, Tricount, Settle Up and Splid all have Android versions too; check Google Play before you commit. Our own app is iPhone-only.

Is Splid a subscription?

No. As of October 2026, Splid uses a one-time purchase to unlock more groups. Prices vary by source and country, so check the App Store listing.