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Comparison of expense splitting apps · as of 2 October 2026

Bill splitting apps compared

Looking for a bill splitting app or an alternative to Splitwise or Tricount? Cashinator, Splitwise, Tricount, Settle Up, Splid and Kittysplit compared: features, cost and sign-up at a glance. We make Cashinator and compiled this comparison from the vendors’ public information, with a list of sources and access dates.

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Cashinator app: the settlement shows who pays whom how much, without payment chains

Bill splitting apps at a glance: eleven criteria

Eleven points on which bill splitting apps differ. Paid features and known usage limits are marked. Where the assignment to a plan is not clearly documented, we say so. The general limits of the free versions are in the cost comparison. The numbers lead to the sources; all comparison points are in the detailed comparison.

The six expense splitting apps at a glance
Criterion Cashinator Splitwise Tricount Settle Up Splid Kittysplit
Cost First trip free per device, further trips from €1.99 per person, PLUS for everyone from €2.99, one-off, no subscription [4] [12] Free for up to 4 expenses a day, Pro as a subscription from €2.99 a month [3] [22] [24] Free, no paid tier; owned by the bank bunq, extra services cost money [14] [21] Free with ads; Premium as a subscription per person or a one-off payment per group, from €5.99 for one week [4] [10] Free to download, in-app purchases €2.99 to €3.99; limits of the free version not stated [5] Free for up to 9 people and one currency; Super Kitty a one-off €2.99 per group [2]
Registration Yes, Create: no account [2] [12] Yes, Join: no account [1] [2] No, Create: account required [5] Unclear, Join: no-account use not confirmed [6] [7] Yes, Create: no account [1] Yes, Join: no account [20] [23] [25] Unclear, Create: no-account use not confirmed [5] [1] [2] Unclear, Join: no-account use not confirmed [1] Yes, Create: no account [5] [3] Yes, Join: no account [5] [3] Yes, Create: no account [3] [9] Yes, Join: no account, in the browser too [3]
No ads Yes [4] [12] Yes: with Pro [2] [1] Unclear: statements contradict each other [1] [24] Yes: with Premium [2] [4] [10] Unclear: no statement from the vendor [1] Yes [5] [7]
Add expenses offline Yes: joining and scan need internet [11] [13] Yes [1] [23] Yes [4] Yes [1] [2] Yes: purely local groups too [5] [4] Unclear: vendor names a limitation [5]
Foreign currencies Yes, Several currencies: over 160 [1] Yes, Conversion [2] Yes, Own rate [2] Yes, Several currencies [9] Yes, Conversion: with Pro [9] [3] Unclear, Own rate: unclear Yes, Several currencies [12] Yes, Conversion [12] Unclear, Own rate: unclear Yes, Several currencies [1] Yes, Conversion [7] Yes, Own rate [7] [4] Yes, Several currencies: over 150 [1] Yes, Conversion [5] Unclear, Own rate: unclear Yes, Several currencies: with Super Kitty [2] Yes, Conversion: with Super Kitty [3] [2] Yes, Own rate: with Super Kitty [12]
Splitting and households Yes, Default shares [2] [8] Yes, Households [8] Yes, Default shares: with Pro [2] Partly, Households: workaround via shares [18] Unclear, Default shares: unclear Unclear, Households: unclear Yes, Default shares [7] Partly, Households: family as one member [7] Unclear, Default shares: unclear Unclear, Households: unclear Yes, Default shares: with Super Kitty [2] Partly, Households: family as one participant, with Super Kitty [3] [2]
Recurring expenses Yes [1] [3] Yes [10] No: by hand [9] [10] Yes: with Premium [4] Unclear Unclear
Receipts Yes, Photo [1] Yes, Recognition: 5 free, then packages [6] [3] [4] Yes, Items: via scan, by hand via amounts [3] [7] Yes, Photo: plan unclear [21] [22] Yes, Recognition: with Pro [3] [8] Yes, Items: plan unclear [8] [2] Yes, Photo [3] Unclear, Recognition: unclear [11] Unclear, Items: unclear Yes, Photo: with Premium [4] [1] Unclear, Recognition: unclear Yes, Items [3] [1] Unclear, Photo: unclear Unclear, Recognition: unclear Yes, Items: plan unclear [5] Yes, Photo: with Super Kitty [2] [10] Unclear, Recognition: unclear Unclear, Items: unclear
Export Yes, PDF: with receipt photos [10] Yes, Spreadsheet: CSV [10] Partly, PDF: print view on the web, plan unclear [14] Yes, Spreadsheet: CSV [16] No, PDF: no export in the app [14] [13] Partly, Spreadsheet: on request from support [14] [13] Unclear, PDF: unclear Yes, Spreadsheet: CSV, Excel with Premium [1] [4] Yes, PDF [5] Yes, Spreadsheet: Excel via in-app purchase [5] Unclear, PDF: unclear Yes, Spreadsheet: Excel [3] [5]
Permissions Yes: with a PLUS group licence [5] [2] No [17] Unclear Yes: owner, edit, read [2] [8] Unclear Yes: read-only access with Super Kitty [2] [9]
In the browser, no app No: app only [1] Yes: with an account [1] [5] [11] [8] No: discontinued [25] [1] Yes: web app [5] [1] [2] Unclear [2] [3] Yes: no account [5] [8] [3]

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  • Yes available
  • Yes with Pro only with the named purchase or subscription
  • plan unclear assignment to a plan not clearly documented
  • Partly with a functional limitation or as a workaround
  • No not available
  • Unclear no reliable source, which does not mean “missing”

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Cashinator in action: four examples

How settling up works in typical groups, with what it costs and what to look for in bill splitting apps.

Cashinator app: an expense of $1,610 is split among the members of the Smith and Jones families Cashinator app: settlement by household, the Jones family pays $39.71 to the Smith family

Example 1 · Families and households

Two families, one holiday home, one transfer between the families

The Smith family travels as four, the Jones family as three. In Cashinator both families are set up as households: every person belongs to their household and is still recorded individually, including the children who pay nothing themselves. The households appear in the balance as rows of their own and can be expanded. If someone should carry less, a child half for instance, they get a default share of 0.5. In the settlement Cashinator calculates per household: only one payment is needed between the two families, the Jones family pays one amount to the Smith family, instead of many small payments going back and forth. With more than two households, at most one payment is needed between any two households. If you want to be exact, you can also settle within the families afterwards.

What it costs
Households and default shares are included in every trip at no extra cost. Anyone who joins and has already used their free first trip needs a further trip for €1.99, unless the trip has a PLUS group licence. Then only one person pays; the people who join pay nothing.
What to look for
Whether the app can group people into households, such as one family with two children and one with three, and still keep track of every person individually. Cashinator does this at no extra cost. [8] Splitwise describes splitting by shares per expense [18], Settle Up one shared member with a larger share [7], Kittysplit with Super Kitty one participant standing for several people [3] [2]. With Settle Up and Kittysplit the family appears as one entry; with Splitwise both people stay individual members and one of them gets the shares for both on each expense. For Tricount and Splid we found no vendor information on this.
More on families and households
Cashinator app: a recurring expense that is added automatically every month

Example 2 · Flat share

Enter rent and streaming once, booked every month

Rent, electricity and the streaming subscription are set up once as recurring expenses; Cashinator then adds them automatically at the times you choose. You scan the weekly shop from the receipt, and a budget shows how much is left. When someone moves out, you deactivate them instead of deleting them. Whoever moves in joins via QR code.

What it costs
Recurring expenses, budgets and deactivating people are included at no extra cost. A group has no time limit. Flatmates follow the same rule as trips: their own free first group, otherwise a further group (€1.99) or the PLUS group licence. Capturing the weekly shop with Express Scan uses the scan quota (5 scans free per device, see example 4).
What to look for
Whether recurring expenses come at no extra cost and whether people can be deactivated for new expenses instead of being deleted. Cashinator does both, at no extra cost. [2] [3] Splitwise offers recurring expenses for free [10], Settle Up with Premium [4]. On its comparison page, Tricount names adding each recurring bill manually [9]. Deactivating people is also described by Settle Up [7].
Cashinator for flat shares
Cashinator app: setting a travel budget, in total and per person

Example 3 · Shared travel pot

Everyone pays in, the pot pays, the settlement does the rest

On a sailing trip everyone pays €200 into the shared pot at the start. Groceries and harbour fees are paid straight from the pot: under “Who paid?” you pick the pot, and its balance goes down automatically. If more is spent than paid in, Cashinator shows how much still has to be paid in. Whatever is left at the end is included in the settlement automatically. A budget warns you before money gets tight, and expenses can be added offline.

What it costs
The shared pot, several pots too, budgets and offline entry are included at no extra cost.
How it works in Cashinator
Payments into and out of the pot are entries of their own. The pot’s balance is on the home screen, with several pots too, and the settlement includes leftover money automatically. [2] For shared pots in other apps we found no vendor information.
Cashinator on board

Example 4 · Restaurant and shopping

Snap the receipt, tap the items, done

Express Scan reads merchant, address, date, time, currency, tip and the individual items with quantity and price from the photo. Cashinator suggests the category from your trip’s categories, including ones you created yourself. It checks whether the recognised items add up to the total and points out possible gaps; before saving, everything can be edited. Then you tap who had what, the app splits the rest among everyone, and the tip follows the split of the expense. According to our release notes [3], the scan copes with different languages and scripts, for example with receipts from Japan or China; how well a receipt is read depends on the photo.

What it costs
5 scans are free per device. The unlimited trips package includes a one-off allowance of at least 20, the unlimited PLUS licence at least 50; the scans belong to the buyer, not to the group. More come as scan packs, one-off and without a subscription; the app shows sizes and prices before you buy. A scan only counts when you save, and receipts that cannot be read cost nothing. Express Scan needs an internet connection. Without a scan, expenses can be split equally, by shares, percent or amounts, without using the quota; you can distribute items that way too if you add them up yourself and enter the amounts.
What to look for
These are three different things: attaching a receipt photo, having the receipt recognised and assigning items to people. Cashinator offers all three. [6] [7] Splitwise recognises receipts with Pro, items included [3], and in its comparison with Tab, Tricount describes entering them by hand [11]. Assigning items is also possible with Settle Up [3] [1] and Splid [5].
More on Express Scan

When does Cashinator fit?

  • You want to get going right away: nobody creates an account, not even the people you invite; scanning the QR code is enough.
  • Families or couples travel together: set up as households, at most one transfer is needed between two households, and every person stays an individual entry.
  • You split receipts by item: Express Scan reads items and tip, you tap who had what.
  • You need a shared pot, a budget or recurring expenses: the pot’s balance is always visible, the budget warns you, rent and subscriptions are added automatically, at no extra cost.
  • You pay in many currencies or travel without a connection: over 160 currencies, add expenses offline and sync later.
  • You would rather pay once than subscribe: the first trip is free, more cost a one-off from €1.99, no ads, no subscription.

Also in Cashinator: shared pot (several pots) and budget with a warning, step-by-step balance calculation, payment methods with card fees, location via GPS, solo mode for your own expenses, deactivating people, copying groups and restoring deleted expenses.

When another app may fit better

  • You want to request or send money right from the app. Tricount sends payment requests with a payment link [15], Splitwise offers Pay by Bank and reminders [19] [20].
  • You want to take over your data from Splitwise. Tricount [6], Settle Up [7] and Kittysplit [6] offer an import.
  • You want roles with read or edit rights at no extra cost. Settle Up names owner, edit and read [2] [8]; with Cashinator, permissions management is part of the PLUS group licence.
  • You are looking for an app without any paid tier. Tricount has no paid tier [14]; extra services such as a travel eSIM cost money. The app is owned by the bank bunq and offers its account and card [21] [22] [7].
  • You want everyone to work in the browser. Kittysplit runs in the browser without an account [5], Splitwise [1] with an account; Settle Up has a web app too, where groups can be viewed via a link [5] [1]. Cashinator focuses entirely on the app for iPhone and Android and deliberately does without a browser version: usability and development are geared completely to the smartphone, which almost everyone has with them on holiday anyway. To work with the figures on a computer, export the expenses as a CSV file, for example for Excel or Google Sheets [10].

What does each app cost?

All six apps offer free use. The differences lie in the limits of the free version (daily limit, number of people, ads, first trip only) and in whether you take out a subscription or pay once. Prices in the German App Store as of October 2026; they may differ on Google Play and in other countries.

Cost of the six apps
Cost Cashinator Splitwise Tricount Settle Up Splid Kittysplit
Free use The first trip or group per device, with no time limit and no ads, with all compared features that Cashinator offers except permissions management (PLUS), plus 5 Express Scans. Joining also counts as a trip. [4] Up to 4 expenses a day, Pro lifts the limit [3] [4] [22] [23] All features without a paid tier, no daily expense limit; up to 50 people per group [14] [12] [9] Everything except the Premium features, with ads [4] [3] [10] Free to download and usable without sign-in; the feature list in the store marks only the Excel export as an in-app purchase, the vendor states no further limits of the free version [5] [6] Any number of groups and expenses, up to 9 people and one currency per group [2] [5] [4]
Payment model One-off purchases, approx. €2 to €18, no subscription [4] “Splitwise Pro” subscription, approx. €3 a month or €30 a year [3] [22] [24] No paid tier. Tricount is owned by the bank bunq and offers its account and card in the app [21] [22] [7] [16] Subscription per person (Premium, approx. €4 a month or €22 a year) or one-off payment per group for all members (Group Premium, approx. €6 for one week up to €180 for lifetime) [4] [1] In-app purchases, approx. €3 to €4 [5] One-off purchase per group, approx. €3, no subscription [2]
Example: six people, one trip One week, one currency, everyone adds expenses €0 if everyone uses their free first trip (joining uses it up too). Otherwise each person without a free trip pays €1.99, up to €11.94 for six people, or one person buys the PLUS group licence for everyone: €2.99 as an upgrade of the trip, €4.99 as a new PLUS trip. [4] [12] €0 as long as each person adds no more than 4 expenses a day. After that Pro as a subscription or an annual plan with a Trip Pass (Pro features for one trip group, 30 days). [3] €0 [14] €0 with ads. Premium for all members of the group: Group Premium, a one-off €5.99 for one week; longer costs more. [4] [1] €0 to start. Whether the free version is enough for six people on one trip, the vendor does not say; otherwise an in-app purchase of €2.99 to €3.99. [5] €0 with one currency. For a foreign currency or receipt photos one person pays a one-off €2.99 for the group, split among everyone. [2]
Prices German App Store One more trip, a one-off €1.99 (valid for one device), unlimited trips €7.99 (for all devices of the same store account). PLUS group licence, where people who join pay nothing: new trip €4.99, upgrade of the current trip €2.99, unlimited trips €17.99. [4] [12] Pro for one person €2.99 a month or €29.99 a year. Annual plans are also available for two people; they include a Trip Pass: Pro features for the members of one trip group for 30 days. The German App Store also lists €5.99 and €47.99, without a billing period. [3] [22] [24] No in-app purchases. Extra services cost money, such as a travel eSIM or a 2.5% fee when a payment request is paid by credit card. [23] [8] [15] In the German App Store: Premium per person €3.99 a month or €21.99 a year. Group Premium, a one-off payment per group: €5.99 for one week, €9.99 for two weeks, €14.99 for one month, €29.99 for two months, €44.99 for one year, €179.99 lifetime. Prices on Google Play and on the web may differ. [1] [4] App Store: “2 Gruppen” €2.99, “Splid Plus” €3.99. Google Play: €2.99. The vendor lists the Excel export as an in-app purchase but does not say which product includes it. [5] [6] Super Kitty a one-off €2.99 per group, not per person. One person buys the upgrade; the amount is booked as an expense and split within the group. [2] [12]

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How Cashinator charges

Free
The first trip or group per device, with no time limit and no ads, with all compared features that Cashinator offers except permissions management (PLUS). Plus 5 Express Scans to try. [4]
More trips or groups
Price per person: anyone with no free trip left on their smartphone pays a one-off €1.99 for every further trip they create or join, valid for this device. Or a one-off €7.99 for unlimited trips, valid for all devices of the same Apple or Google account. Purchases cannot be transferred between Apple and Google. [4] [12]
PLUS group licence
Price for the whole trip: one person pays, everyone else joins without paying. €4.99 for a new trip, €2.99 as an upgrade of the current trip, €17.99 for unlimited trips. Permissions management is included. [4] [12]
Included in the package
The unlimited-trips package (€7.99) includes a one-off allowance of at least 20 Express Scans, the unlimited PLUS licence (€17.99) at least 50. The scans belong to the buyer, not to the group. [4]
What costs extra
Further trips, the PLUS group licence with permissions management, and further Express Scans, each as a one-off purchase without a subscription; the app shows the sizes and prices of the scan packs before you buy. All other compared features that Cashinator offers are included in every trip at no extra cost. Voluntary: the app occasionally asks for a tip, which you can switch off in the settings.
All prices and packages

All features in detail

All comparison points in 9 groups, plus access and platforms. Tap to expand. The numbers lead to the sources.

Access and platforms 6 facts
Access and platforms
Fact Cashinator Splitwise Tricount Settle Up Splid Kittysplit
Platforms iOS (iPhone and iPad), Android [12] [13] iOS, Android, web [1] iOS, Android [23] [24] iOS, Android, web, Windows [6] [5] iOS (iPhone), Android [5] [6] Web, iOS, Android [1] [12] [13]
Create a group without an account Yes No account, no e-mail address, no password [2] [12] No The help centre names signing up as the first step, in the app or on the web [5] Yes Account optional [1] Unclear Signing in with Google, Apple or an e-mail address is offered; the vendor does not say explicitly whether it is required to create a group in the app [5] [1] [2] Yes [5] [3] Yes Account optional [3] [9]
Join and add expenses yourself without an account Yes Via QR code, link or code in the app [1] [2] Unclear Joining only by invitation; the help centre expects members to sign in. People can also be included in expenses without an account; whether they can enter expenses themselves, the vendor does not say explicitly [6] [7] Yes Via a link in the app without an account; an invitation by e-mail may require signing in [20] [23] [25] Unclear Viewing via link works without sign-in; adding expenses without sign-in is not described. [1] Yes Via access code in the app [5] [3] Yes The link is enough, in the browser too. [3]
Usable without ads Yes free [4] [12] Yes with Pro The vendor advertises Pro as ad-free; it does not say explicitly whether the free version shows ads [2] [1] Unclear The vendor says “No ads”, Google Play labels the app “Contains ads” [1] [24] Yes with Premium The free version contains ads [2] [4] [10] Unclear The vendor makes no statement on this [1] Yes free The vendor calls the app ad-free on its comparison pages; its privacy policy still mentions ad banners [5] [7]
People per group Unlimited [12] Not stated by the vendor Up to 50 [12] Not stated by the vendor Not stated by the vendor Up to 9, up to 100 with Super Kitty [2]
Works in the browser, no app to install No App only [1] Yes free Web app with an account; some functions exist only on the web, such as refunds, receipt scanning only in the app [1] [5] [11] [8] No Web version discontinued (reply on Google Play of 16 Jan 2024); the current pages list only iOS and Android [25] [1] Yes free Web app; groups can be viewed via a link without signing in [5] [1] [2] Unclear The vendor describes only apps for iOS and Android [2] [3] Yes free Web app without an account, with the same functions as in the apps [5] [8] [3]

“No account” means nobody creates an account. “No app to install” means a browser is enough.

Basics all six offer 8 points

All six apps offer these basics in their free version, within the limits that apply there (see cost comparison).

Basics all six offer
Feature Cashinator Splitwise Tricount Settle Up Splid Kittysplit
Invite others via link, code or QR code Yes [1] Yes [7] Yes [17] [23] Yes [1] Yes [3] Yes [3]
Split equally Yes [2] Yes [8] Yes [12] Yes [2] Yes [5] Yes [2]
Split by shares or weighting Yes [2] Yes [8] Yes [12] Yes [1] Yes [5] Yes [3]
Split by exact amounts Yes [2] Yes [8] Yes [10] [12] Yes [11] Yes [5] Yes [3]
Record money handed between people Yes [2] Yes [5] Yes [2] Yes [8] Yes [3] Yes [3]
Simplify debts, bundle payments Yes [9] Yes [12] Yes [18] Yes [7] Yes [5] Yes [2]
Record settlements and partial payments Yes [3] Yes [5] Yes [12] Yes [2] Yes [5] Yes [3]
Sync between devices Yes [2] Yes [1] Yes [13] Yes [6] Yes [1] Yes [3]
Groups and members 1 points
Groups and members
Feature Cashinator Splitwise Tricount Settle Up Splid Kittysplit
Include people without a device of their own Yes free [2] Partly free With an e-mail address or phone number; with a name only in the web app [6] Yes free [12] Yes free [8] [12] Yes free [5] Yes free [3]
Adding expenses 5 points
Adding expenses
Feature Cashinator Splitwise Tricount Settle Up Splid Kittysplit
Several payers for one expense Yes free [3] [2] Yes free [23] Unclear Yes free [1] Yes free [5] Unclear
Income and refunds Yes free [2] Partly plan unclear Web app only [11] Yes free [2] Yes free [7] [3] Unclear Yes plan unclear [3]
Recurring expenses Yes free [1] [3] Yes free [10] No On its comparison page Tricount names adding each bill manually [9] [10] Yes with Premium [4] Unclear Unclear
Categories Yes free Custom ones too [2] Yes free Preset categories; custom ones not described [1] Yes free [9] Yes with Premium [4] Yes plan unclear Documented for iOS [5] Yes free Preset categories; custom ones not described [2] [11]
Change history: who changed what Yes free [3] [2] Yes free [23] [15] Unclear Yes free [2] Unclear Yes plan unclear [12]
Receipts and items 3 points
Receipts and items
Feature Cashinator Splitwise Tricount Settle Up Splid Kittysplit
Attach a receipt photo to an expense Yes free Up to 6 per expense [1] Yes plan unclear High resolution and 10 GB of storage with Pro; the vendor does not say whether simple receipt photos work without Pro [21] [22] Yes free [3] Yes with Premium [4] [1] Unclear Yes with Super Kitty Up to 3 per expense [2] [10]
Recognise a receipt automatically Yes 5 scans free, then packages Reads merchant, address, date, time, currency, tip and the individual items with quantity and price; suggests one of the trip’s categories, custom ones included; the result can be edited before saving; needs internet [6] [3] [4] Yes with Pro With items, only in the mobile app [3] [8] Unclear In its comparison with Tab, Tricount describes entering receipts by hand [11] Unclear Unclear Unclear
Assign single items to people Yes 5 scans free, then packages With Express Scan the recognised items are assigned to people; without a scan you distribute items via fixed amounts, adding up the totals per person yourself [3] [7] Yes plan unclear With Pro after a receipt scan; the vendor does not say whether it works without Pro [8] [2] Unclear Yes free [3] [1] Yes plan unclear Documented for iOS [5] Unclear
Splitting and settling 3 points
Splitting and settling
Feature Cashinator Splitwise Tricount Settle Up Splid Kittysplit
Split by percentage Yes free [2] Yes free [8] Unclear Unclear Yes free Documented for iOS [5] Yes free [3]
Default shares per person for new expenses Yes free For example 0.5 for children [2] [8] Yes with Pro Default split per group [2] Unclear Yes free [7] Unclear Yes with Super Kitty [2]
Group people into households Yes free Households always visible and expandable, every person individually; at most one payment between two households in the settlement [8] Partly free Workaround per expense via shares, for example for a couple [18] Unclear Partly free A family as one member with a larger share; people not individually [7] Unclear Partly with Super Kitty A family as one participant with a default share; people not individually [3] [2]
Currencies 3 points
Currencies
Feature Cashinator Splitwise Tricount Settle Up Splid Kittysplit
Several currencies in one group Yes free Over 160 [1] Yes free Separate balances per currency [9] Yes free [12] Yes free [1] Yes free Over 150 [1] Yes with Super Kitty [2]
Convert amounts into one currency Yes free Daily rates [2] Yes with Pro Via a button at the current rate for all expenses in the group; foreign-currency expenses added later have to be converted again [9] [3] Yes free Daily rate [12] Yes free [7] Yes free [5] Yes with Super Kitty [3] [2]
Set your own rate per expense Yes free Instead of the daily rate if you like, for example your bank’s rate [2] Unclear Unclear Yes free Per transaction; several at once with Premium [7] [4] Unclear Yes with Super Kitty Documented for iOS [12]
Insights 2 points
Insights
Feature Cashinator Splitwise Tricount Settle Up Splid Kittysplit
Charts and spending by category Yes free Also by person, place and payment method [1] [3] Yes with Pro Totals without Pro too [3] [13] Yes free [5] Yes with Premium [4] Unclear Yes with Super Kitty [2]
Search expenses Yes free [3] Yes with Pro [3] Unclear Yes plan unclear [12] Yes plan unclear Documented for iOS [5] Yes plan unclear [12]
Data, export and restore 4 points
Data, export and restore
Feature Cashinator Splitwise Tricount Settle Up Splid Kittysplit
Export the settlement as PDF Yes free With receipt photos [10] Partly plan unclear Print view in the web app [14] No No PDF export in the app [14] [13] Unclear Yes free [5] Unclear
Export as a CSV or Excel file Yes free CSV [10] Yes free CSV [16] Partly free No direct export in the app; CSV or ODF on request from support [14] [13] Yes free CSV; Excel with Premium [1] [4] Yes via in-app purchase Excel [5] Yes free The help pages name Excel, the comparison pages a free CSV export [3] [5]
Import data from another app No Unclear Yes free From Splitwise [6] Yes plan unclear Members and balances from Splitwise [7] Unclear Yes plan unclear From Splitwise, in the web app [6]
Restore data after switching or losing a device Yes free Automatic backup on servers in Germany, restore with a backup key, no account [1] [2] Yes free Via the account [23] Yes free Via an (optional) account or the link [13] Yes free Via the account [9] Partly free Shared groups via the access code; local groups are stored on the device only. [3] [4] Yes free Via the link or an account [3] [9]
Offline and collaboration 3 points
Offline and collaboration
Feature Cashinator Splitwise Tricount Settle Up Splid Kittysplit
Add expenses offline, sync later Yes free Inviting, joining, Express Scan and exchange-rate updates need internet [11] [13] Yes free [1] [23] Yes free [4] Yes free [1] [2] Yes free Purely local groups too [5] [4] Unclear On its comparison page with Splid, the vendor writes that it lacks offline use directly on the device; it does not describe whether entries made without a connection are cached [5]
Permissions: read-only access or roles Yes with a PLUS group licence Read-only sharing, rights per device, blocking access; PLUS group licence one-off from €2.99 [5] [2] No No admins or permissions [17] Unclear Yes free Owner, edit, read-only [2] [8] Unclear Yes with Super Kitty Link with read-only access [2] [9]
Notifications about changes Yes free [3] Yes free [23] Yes free [19] Yes free [1] Unclear Unclear
The six apps in brief Vendor, strengths, cost

  • Splitwise

    Splitwise, Inc., USA · iOS, Android, web

    Strong at
    Web app, expenses without a group, recurring expenses, reminders, payments via Pay by Bank, JSON backup with Pro (in the web app). [16]
    Keep in mind
    Use starts with signing up. Without Pro, up to 4 expenses a day. [3] Receipt scanning, conversion, charts and search only with Pro. No admins or permissions in groups.
    Cost
    Free for up to 4 expenses a day, Pro as a subscription from €2.99 a month. [3] [24]

  • Cashinator

    Daniel Mikus, Berlin · iOS, Android · publisher of this comparison

    Strong at
    No account for anyone, households for families and couples, Express Scan with items, shared pot and budget, recurring expenses, over 160 currencies, add expenses offline, PDF with receipt photos.
    Keep in mind
    App only. No payments or reminders from the app, no import from other apps. Express Scan, inviting and joining need internet.
    Cost
    First trip free per device, further trips from €1.99 per person, PLUS group licence for everyone from €2.99, one-off, no subscription.

  • Tricount

    bunq B.V., Netherlands · iOS, Android

    Strong at
    No paid tier, no account needed, currencies with conversion, receipt photos, payment requests with a payment link, import from Splitwise.
    Keep in mind
    No web version any more, recurring bills entered by hand, export only on request from support, as CSV or ODF. At most 50 people per group. The card features require an identity check with an ID document. [16]
    Cost
    No paid tier. Tricount is owned by the bank bunq and offers its account and card in the app. Extra services such as a travel eSIM cost money.

  • Settle Up

    Step Up Labs, USA and Czech Republic · iOS, Android, web, Windows

    Strong at
    Web and Windows app, several payers, items, default shares, roles for owner, edit and read at no extra cost, a suggestion of who should pay next. [7]
    Keep in mind
    Signing in with Google, Apple or an e-mail address is offered. The free version contains ads. Receipt photos, categories, recurring expenses and charts only with Premium.
    Cost
    Free with ads. Premium €3.99 a month or €21.99 a year per person, or Group Premium as a one-off payment for all members, from €5.99 for one week (German App Store).

  • Splid

    Nicolas Jersch, Munich · iOS, Android

    Strong at
    No sign-in, purely local groups too, which stay on the device. Several payers, unequal splits, over 150 currencies, PDF export.
    Keep in mind
    The vendor does not state the limits of the free version. The Excel export is an in-app purchase.
    Cost
    Free to download. In-app purchases €2.99 and €3.99 in the App Store, €2.99 on Google Play.

  • Kittysplit

    Kittysplit UG, Berlin · web, iOS, Android

    Strong at
    In the browser without an account and without installing. Splitting equally, by shares, percentages or amounts for free. Excel export, import from Splitwise.
    Keep in mind
    Free only for up to 9 people and one currency. On offline use, the vendor names a limitation itself.
    Cost
    Free. Super Kitty a one-off €2.99 per group.

Cashinator on Google Play: 50,000+ downloads, 4.8 out of 5 from 1,460 ratings. On the App Store 4.9 out of 5 from 1,222 ratings (as of 30 September 2026, German stores).

Frequently asked questions about expense splitting apps

What is a bill splitting app?

A bill splitting app such as Cashinator records who in a group paid for what, splits the costs and shows at the end who owes whom how much. Cashinator is made for trips, flat shares and groups of friends, with no account, no ads and no subscription. Such apps are also called expense splitting or cost sharing apps; others are Splitwise, Tricount, Settle Up, Splid and Kittysplit.

Which bill splitting app is free?

With Cashinator the first trip or group per device is free, with no time limit, no ads and no subscription; each further one is a one-off purchase from €1.99, and with the PLUS group licence one person pays once for everyone. The other five apps offer free use too, with very different limits: Tricount has no paid tier; extra services such as a travel eSIM cost money. Kittysplit is free for up to 9 people with one currency, Splid’s vendor does not state the limits of its free version, Splitwise allows up to 4 expenses a day without Pro, and the free version of Settle Up contains ads.

Which app works without signing up?

Cashinator works without signing up, for the people you invite too: it needs no account, no e-mail address and no password, scanning the QR code or tapping the link is enough. Tricount, Splid and Kittysplit also work without an account. With Splitwise, the help centre names signing up as the first step. With Settle Up, signing in with Google, Apple or an e-mail address is offered; whether the app requires it to create or join a group, the vendor does not say explicitly.

Which app recognises receipts automatically?

Cashinator recognises receipts with Express Scan: it reads merchant, address, date, time, currency, tip and the individual items with quantity and price from the photo and suggests one of your trip’s categories, including ones you created yourself. Then you tap who had what. 5 scans are free, then there are packs; you check and edit everything before saving, and scanning needs an internet connection. Splitwise offers automatic receipt recognition too (with Pro, items included, in the mobile app). In its comparison with Tab, Tricount describes entering receipts by hand. For Settle Up, Splid and Kittysplit we found no information from the vendors on recognition, but Settle Up and Splid let you assign items to people. More: receipt scanner.

What does a group trip with six people cost?

With Cashinator a trip with six people costs nothing if all of them use their free first trip (joining counts as a trip too). Anyone who has already used theirs pays a one-off €1.99, or one person buys the PLUS group licence for everyone: €2.99 as an upgrade of the trip or €4.99 for a new PLUS trip. The others then pay nothing. For six people, one week and one currency, with everyone adding expenses, the trip also costs nothing with Tricount, Kittysplit (with one currency), Splitwise (as long as each person adds no more than 4 expenses a day; Pro lifts the limit) and Settle Up (with ads). Group Premium for all members costs a one-off €5.99 for one week with Settle Up in the German App Store; for Splid the vendor does not state the limits of the free version. More in the cost comparison.

What is a good Splitwise alternative without a daily limit?

Cashinator has no daily limit, no ads and no subscription, and nobody needs an account. Currency conversion, charts and search, which Splitwise offers with Pro, are included at no extra cost, plus 5 free receipt scans. The first trip per device is free, further trips are a one-off purchase from €1.99. Tricount (no expense limits, up to 50 people per group) and Kittysplit (free for up to 9 people and one currency) have no daily limit either. Without Pro, Splitwise allows up to 4 expenses a day. If you need the web app, payments from the app or expenses without a group, you find them with Splitwise.

Which app suits couples and families?

Cashinator groups people into households, for example one family with two children and one with three; every person stays an individual entry, and children can be set to a default share of 0.5, for instance. In the settlement at most one payment then flows between two households, even when several families or couples travel together. Splitwise, Settle Up and Kittysplit also describe solutions for couples and families: Splitwise splitting by shares per expense (for a couple where one person pays for both), Settle Up one shared member with a larger share, Kittysplit with Super Kitty one participant standing for several people. For Tricount and Splid we found no vendor information. More: families and households.

Which expense splitting app works offline?

Cashinator records expenses offline and syncs them as soon as you are back online, on a sailing trip for example; inviting and joining, Express Scan and exchange-rate updates need internet. Splitwise, Tricount, Settle Up and Splid also let you add expenses offline; Splid also has purely local groups. Kittysplit writes on its comparison page with Splid that it lacks offline use directly on the device; it does not describe whether entries made without a connection are cached.

Which app converts foreign currencies automatically?

Cashinator converts over 160 currencies at no extra cost, with daily rates and, if you like, your own rate per expense, such as your bank’s. Tricount, Settle Up and Splid also convert amounts for free; Settle Up also names its own rate per transaction. With Splitwise conversion is part of Pro, with Kittysplit part of Super Kitty (a one-off €2.99 per group).

Tricount or Splitwise: what is the difference?

Tricount focuses on free sharing of group expenses. Splitwise additionally offers a web app and recurring expenses; however, free use is subject to a daily limit, which Splitwise Pro lifts.

If you want recurring expenses and PDF or CSV exports without signing up, Cashinator is a suitable alternative: no ads and no subscription. The first trip or group is free; for further groups and additional receipt scans there are one-off purchases.

Can I split costs without installing an app?

Yes. On the Cashinator website there is the online expense calculator for a quick one-off settlement, right in the browser. The Cashinator app is available for iPhone and Android; it suits trips and groups in which everyone keeps adding expenses, offline too. Kittysplit (without an account) and Splitwise (with an account) also run in the browser, and Settle Up has a web app too.

Who made this comparison and how current is it?

The comparison is published by Cashinator (publisher: Daniel Mikus, Berlin) and is not an independent test. It is based on the vendors’ public information and their listings in the German App Store and on Google Play, evaluated on 30 September 2026, open points accessed again on 2 October 2026. We did not try the other apps ourselves. Features and prices may have changed since. Found a mistake? Write to us and we will correct it.

First trip free

Fancy a trip without the maths?

Cashinator suits you if you want to settle up as a group without an account and take families, receipts and a shared pot along. Create a group, invite friends via QR code, type in or scan expenses. Cashinator, fondly called Cashi by our community, does the settlement. No account, no ads, no subscription, and the first trip or group on your smartphone costs nothing, for as long as you like. What further trips cost is in the cost comparison.

Download Cashinator for free See all features

For iPhone and Android · 4.9 out of 5 on the App Store · 4.8 out of 5 on Google Play (as of 30 September 2026, German stores)

Cashinator app: an expense with a receipt photo

Method and sources

This comparison is published by Cashinator and is not an independent test. Research as of , open points accessed again on . Publisher: Daniel Mikus, Berlin (imprint).

  1. One comparison list for all. It is based on Cashinator’s features and on the features the other vendors document, and it includes features Cashinator does not have. Each row is a task you can get done with the app. Different tasks are kept apart, for example receipt photo, receipt recognition and items, conversion and your own rate, shares per person and households. We left out rows for which mostly nothing reliable could be documented for the other apps or which matter little when choosing an app.
  2. Features of all vendors. The tables include features Cashinator does not have, such as imports, roles at no extra cost or use in the browser.
  3. Availability and cost kept apart. The status says whether a feature exists: Yes, Partly (with a functional limitation, such as a workaround, only on one platform or in one region), No or Unclear. The cost says what it costs: free, only with the named purchase or subscription, as a quota, or plan unclear. “Free” only appears where the vendor assigns the feature to its free version: because there is no paid tier, because its pricing page names it as free, or because its feature list in the store shows it apart from the paid extras. A missing price is not enough; where the assignment is not clearly documented, it says “plan unclear”. The general limits of the free versions are in the cost comparison.
  4. Evidence rules. For the other apps, vendor websites, help centres, pricing pages, release notes, store descriptions, unambiguous store screenshots and the vendors’ replies in the stores count. Vendor blog posts count as long as newer product pages do not contradict them. Texts from the apps’ translation files, third-party pages and user reviews do not count. The only exception: Splitwise does not state the billing period of its prices; that €2.99 is monthly and €29.99 annual comes from a Wüstenrot guide of 22 January 2025. Statements about Cashinator rest on its public pages and store listings and additionally on the behaviour of our own app.
  5. Missing documentation is not a No. “No” only appears where the vendor itself says the feature does not exist. Where no description exists, the status is “Unclear”. We derive no advantage for Cashinator from it.
  6. No overall score. We award no points and name no winner. The vendors document in very different detail, so a ranking would not be meaningful.
  7. No hands-on tests. We did not try the other apps ourselves. We evaluated these versions of the store listings:
    • Cashinator: iOS 8.0.1 of 25 Sept 2026, Android updated 25 Sept 2026
    • Splitwise: iOS 26.9.1 of 20 Sept 2026, Android updated 16 Sept 2026, web app
    • Tricount: iOS 14.1.0 of 13 July 2026, Android 14.4.0 of 28 Sept 2026
    • Settle Up: iOS 3.18.2 of 20 Sept 2026, Android updated 29 Sept 2026, web app 6.2.0
    • Splid: iOS 1.9.1 of 4 May 2026, Android 1.5.1 of 23 Aug 2025
    • Kittysplit: iOS 2.4.0 of 10 Sept 2026, Android updated 10 Sept 2026, web app
  8. Limits. Features can differ between iOS, Android and web and may have changed since the research date.

Found a mistake or work for one of the vendors? Write to us and we will correct it.

Sources

All sources were accessed on 30 September 2026, the open points again on 2 October 2026.

Cashinator

  1. Cashinator: features at a glance
  2. Cashinator: questions and answers
  3. Cashinator: release notes (version 1.0 to 8.0.1)
  4. Cashinator: prices and packages
  5. Cashinator: permissions management
  6. Cashinator: Express Scan
  7. Cashinator: splitting bills by items
  8. Cashinator: families and households
  9. Cashinator: how the settlement is calculated
  10. Cashinator: PDF and CSV export
  11. Cashinator: sailing expense tracker, works offline
  12. App Store Germany: Cashinator (description, version, in-app purchases) apps.apple.com
  13. Google Play Germany: Cashinator play.google.com

Splitwise

  1. Splitwise: home page with feature list splitwise.com
  2. Splitwise: Pro features splitwise.com
  3. Splitwise help: What is Splitwise Pro? kb.splitwise.com
  4. Splitwise help: Why am I seeing an expense limit? feedback.splitwise.com
  5. Splitwise help: How do I use Splitwise? kb.splitwise.com
  6. Splitwise help: adding friends without an e-mail address kb.splitwise.com
  7. Splitwise help: How do I join an existing group? kb.splitwise.com
  8. Splitwise help: ways to split an expense kb.splitwise.com
  9. Splitwise help: multiple currencies kb.splitwise.com
  10. Splitwise help: recurring expenses kb.splitwise.com
  11. Splitwise help: adding refunds kb.splitwise.com
  12. Splitwise help: What is “simplify debts”? kb.splitwise.com
  13. Splitwise help: the totals screen kb.splitwise.com
  14. Splitwise help: double-checking balances, printable summary kb.splitwise.com
  15. Splitwise help: restoring a deleted expense kb.splitwise.com
  16. Splitwise help: exporting data kb.splitwise.com
  17. Splitwise help: permissions in groups kb.splitwise.com
  18. Splitwise help: splitting an expense for a couple kb.splitwise.com
  19. Splitwise help: sending money, Pay by Bank kb.splitwise.com
  20. Splitwise help: requesting a payment, sending a reminder kb.splitwise.com
  21. Splitwise: privacy policy (as of 26 May 2026) splitwise.com
  22. App Store Germany: Splitwise (description, screenshots, in-app purchases) apps.apple.com
  23. Google Play: Splitwise, English description play.google.com
  24. Wüstenrot guide: splitting expenses with finance apps (22 Jan 2025, accessed 2 Oct 2026) wuestenrot.at

Tricount

  1. Tricount: home page tricount.com
  2. Tricount: tracking transactions tricount.com
  3. Tricount: sharing receipt photos tricount.com
  4. Tricount: offline expense tracking tricount.com
  5. Tricount: insights tricount.com
  6. Tricount: Splitwise importer tricount.com
  7. Tricount: automatic tracking with a card tricount.com
  8. Tricount: travel eSIM, optional paid service tricount.com
  9. Tricount: comparison with Splitwise (reviewed 10 Sept 2026) tricount.com
  10. Tricount: comparison with Settle Up (reviewed 10 Sept 2026) tricount.com
  11. Tricount: comparison with Tab (reviewed 10 Sept 2026) tricount.com
  12. Tricount help: managing tricounts and expenses help.tricount.com
  13. Tricount help: FAQs help.tricount.com
  14. Tricount help: What happened with Tricount Premium? help.tricount.com
  15. Tricount help: payment request links help.tricount.com
  16. Tricount help: who can sign up for the free credit card help.tricount.com
  17. Tricount glossary: share link tricount.com
  18. Tricount glossary: debt simplification tricount.com
  19. Tricount glossary: notifications tricount.com
  20. Tricount blog: Splitwise alternatives (30 Sept 2025) tricount.com
  21. Tricount: imprint, provider bunq B.V. tricount.com
  22. bunq: acquisition of Tricount (3 May 2022) press.bunq.com
  23. App Store Germany: Tricount (description, screenshots, version history) apps.apple.com
  24. Google Play Germany: Tricount play.google.com
  25. Google Play: Tricount, vendor replies of 16 Jan 2024 and 6 Aug 2026 (web version, sign-in when joining) play.google.com

Settle Up

  1. App Store Germany: Settle Up (description, screenshots, in-app purchases) apps.apple.com
  2. Google Play Germany: Settle Up play.google.com
  3. Google Play: Settle Up, English description play.google.com
  4. Settle Up: Premium features settleup.app
  5. Settle Up: web app, sign-in page settleup.app
  6. Settle Up: website settleup.io
  7. Settle Up: tips and tricks settleup.io
  8. Settle Up: data model of the public API api.settleup.io
  9. Settle Up: privacy policy settleup.io
  10. Step Up Labs: 2025 in review and ads in the app (15 Dec 2025) medium.com
  11. Step Up Labs: Settle Up for Windows (3 Mar 2019) medium.com
  12. Step Up Labs: the new Settle Up for Android (10 Oct 2017) medium.com

Splid

  1. Splid: website splid.app
  2. Splid: download page splid.app
  3. Splid: privacy policy splid.app
  4. Splid: data deletion, local and shared groups splid.app
  5. App Store Germany: Splid (description, screenshots, version history, in-app purchases) apps.apple.com
  6. Google Play Germany: Splid play.google.com

Kittysplit

  1. Kittysplit: home page kittysplit.com
  2. Kittysplit: pricing, free kitty and Super Kitty kittysplit.com
  3. Kittysplit: help kittysplit.com
  4. Kittysplit: comparison with Splitwise kittysplit.com
  5. Kittysplit: comparison with Splid kittysplit.com
  6. Kittysplit: import from Splitwise kittysplit.com
  7. Kittysplit: privacy policy kittysplit.com
  8. Kittysplit blog: apps for iOS and Android (10 Sept 2025) blog.kittysplit.com
  9. Kittysplit blog: optional accounts (23 Apr 2026) blog.kittysplit.com
  10. Kittysplit blog: expense attachments (12 Mar 2026) blog.kittysplit.com
  11. Kittysplit blog: categories (11 Feb 2026) blog.kittysplit.com
  12. App Store Germany: Kittysplit (description, screenshots, version history, in-app purchases) apps.apple.com
  13. Google Play Germany: Kittysplit play.google.com

All product names mentioned are trademarks of their respective owners. Cashinator is not affiliated with any of the other vendors.

Google Play and the Google Play logo are trademarks of Google LLC. Apple, the Apple logo, iPhone, and iPad are trademarks of Apple Inc., registered in the U.S. and other countries and regions. App Store is a service mark of Apple Inc.

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