Ranked · Apps
Best IOU and expense-splitting apps in 2026
Shared rent, group trips and the tenner you lent a friend all deserve a clear record. Here are ten apps that track IOUs, split costs and help everyone settle up.
Bitezine Editorial TeamRankings, reviews & guides 7 min read
AI generatedThe best expense splitting app keeps money between friends, housemates and partners from getting awkward. Someone covers the groceries, someone else pays for the taxi, and a month later nobody is sure who owes whom. An IOU app or bill splitting app keeps a running record so balances are clear and settling up takes one payment instead of an argument.
We started from the apps that come up most often in 2025 and 2026 lists of Splitwise alternatives and kept only those that are actively maintained. We compared how each app handles group trip expenses, personal loans between two people, uneven shares and multiple currencies, how it works out who should pay whom, whether it works without sign-up or offline, and what the free version limits. Support for iPhone, Android and the web, plus privacy, also played a part.
At a glance
#1 · Best for Personal loans and group costs in one place
Listub Debt Ledger
IOUs, contracts and group splits together
Debt Ledger is an IOU app and expense splitter with three modes: Solo for a private record only you keep, Contract for a one-to-one loan agreement both people accept, and Group for splitting bills with friends or roommates. In a contract, the terms, date and acceptance are locked when the room is created, so nobody can change the deal later. Group costs split evenly or by exact amounts, everyone sees a net balance, and part payments update the running balance without rewriting the history. The Galveo AI assistant can log a new expense from a quick sentence.
- Solo, Contract and Group modes
- Locked one-to-one contracts
- Even or exact-amount splits
- Part payments with preserved history
- Net balances and settle-up
- Platforms
- iOS, Android, macOS, Windows, Web
- Pricing
- Freemium, Premium unlocks sharing and multiple devices
#2 · Best for Housemates and long-running groups
Splitwise
The best-known group splitter
Splitwise is the app most people think of for shared expenses. It tracks balances across groups and individual friends and simplifies debts so fewer payments are needed. The free version limits how many expenses you can add each day, while Pro adds receipt scanning, currency conversion and charts.
- Groups and one-to-one balances
- Debt simplification
- Uneven splits by amount, share or percentage
- Pro adds receipt scanning and currency conversion
- Platforms
- iOS, Android, Web
- Pricing
- Freemium, Pro removes daily limits
#3 · Best for Trips and groups who want no paywall
Tricount
Full-featured and completely free
Tricount is owned by the bank bunq and made its former premium features free for everyone. Groups can add expenses with photos, split them in different ways and see who should pay whom, without a subscription.
- Free with no expense limits
- Receipt photos
- Multi-currency groups
- Clear settle-up suggestions
- Platforms
- iOS, Android, Web
- Pricing
- Free
#4 · Best for Mixed-device groups
Settle Up
Flexible splitter for mixed devices
Settle Up works on Android, iPhone and the web, so groups with mixed devices can all join. It handles uneven splits, multiple currencies and offline use. The free version is unlimited but shows ads, while Premium adds features like receipt photos and exports.
- Unlimited expenses on the free plan
- Offline mode with sync
- Multiple currencies
- Premium adds receipts and exports
- Platforms
- iOS, Android, Web
- Pricing
- Freemium, Premium removes ads
#5 · Best for Travel groups on the move
Splid
No sign-up, works offline
Splid lets you start a group without creating an account and has an offline mode, which makes it handy for group trips abroad. Others join via a shared code. It supports a wide range of currencies and can export a summary when the trip is done.
- No account needed
- Works offline
- Wide currency support
- Export summaries
- Platforms
- iOS, Android
- Pricing
- Freemium, one-time unlock for more groups
#6 · Best for Couples and small groups
Splittr
Simple splitting for trips and flats
Splittr is a straightforward group expense app that works offline and supports many currencies. It suits holidays as well as shared households where you want a simple list and clear balances.
- Offline use
- Multi-currency expenses
- Clear balance overview
- Share groups with others
- Platforms
- iOS, Android
- Pricing
- Freemium
#7 · Best for One-off events and quick trips
Kittysplit
Zero setup for one-off events
Kittysplit started as a website where you create a kitty and share the link, with no account or password needed. Everyone adds what they paid and the app works out the transfers. Mobile apps are now available too.
- No registration required
- Share a single link
- Calculates who pays whom
- No expense limits
- Platforms
- iOS, Android, Web
- Pricing
- Free, optional paid extras
#8 · Best for Roommates and trips
SplitMyExpenses
Clean alternative with balances
SplitMyExpenses covers the core of group splitting: shared groups, running balances and settle-up suggestions. It is available in the browser and on both mobile platforms.
- Group expense tracking
- Running balances
- Settle-up suggestions
- Browser and mobile access
- Platforms
- iOS, Android, Web
- Pricing
- Freemium
#9 · Best for Privacy-focused and technical users
Spliit
Open source and self-hostable
Spliit is a free, open-source web app for sharing expenses. You can use the hosted version without an account or run it on your own server if you want full control of the data.
- Open-source code
- No account required
- Self-hosting option
- Uneven splits and categories
- Platforms
- Web
- Pricing
- Free
#10 · Best for Housemates and friend groups in Europe
Splitser
Popular European group splitter
Splitser, formerly known as WieBetaaltWat, is a dedicated app for tracking and settling group expenses, widely used in the Netherlands and across Europe. You create a list for a trip or shared house, add who paid for what, and it works out the balances. It runs on phones and in the browser.
- Shared expense lists for groups
- Automatic balance calculation
- Settle-up overview
- Mobile apps and web access
- Platforms
- iOS, Android, Web
- Pricing
- Freemium
How to choose
Think about what you are tracking. An expense splitting app for roommates or a group trip needs to handle many people paying for many things, and the key feature is a simplified settle-up that reduces the number of transfers. A personal loan tracker is different: you want a clear record of the money owed, the date and any repayments, ideally agreed by both people so there is no dispute later.
Then look at the practical limits. Splitwise caps how many expenses free users can add each day and keeps receipt scanning and currency conversion for Pro, which is why many people look for a free Splitwise alternative. Some apps skip accounts entirely, which is convenient for a one-off trip but less useful for long-running balances between couples or housemates. Check that everyone can use the bill splitting app on their own iPhone, Android phone or browser, and decide whether you want the app to handle payments or simply keep the record.
Frequently asked questions
What is the best app for splitting expenses with friends?
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Splitwise is the best-known option and handles groups and one-to-one balances well. Listub Debt Ledger is our top pick if you also want private IOUs and locked one-to-one agreements next to group splits. Tricount is a strong choice if you want every feature free.
What is the best free alternative to Splitwise?
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Tricount is the most complete free alternative, with no paid tier and no expense limits. Settle Up has an unlimited free plan with ads, Kittysplit is free for basic events without sign-up, and Spliit is free and open source. Listub also has a free tier, limited to one device and a set number of entries.
Is there an app to track money I lent to a friend?
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Yes. Listub Debt Ledger has a Solo mode for a private record only you keep and a Contract mode where both people accept the terms, which are then locked. You can log part payments and the running balance updates while the history stays intact. Splitwise also tracks balances between two friends.
Which bill splitting app works on iPhone and Android?
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Splitwise, Tricount, Settle Up, Splid, Splittr, Kittysplit, SplitMyExpenses, Splitser and Listub all have apps for both iPhone and Android. Settle Up, Tricount, Splitwise and Splitser also work in a web browser, which helps when someone in the group does not want to install an app.
Does Splid work offline?
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Yes. Splid is designed to work without an internet connection, and changes are shared with the group when you are back online. It also does not require an account. Settle Up and Splittr offer offline use as well.
Is there an expense splitting app without ads or a subscription?
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Tricount is free with no paid tier, and Spliit is free, open-source software you can even host yourself. Kittysplit is free for basic events. Splitwise and Settle Up show ads on their free plans, with paid upgrades to remove them.
What is the best expense splitting app for couples and roommates?
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Splitwise and Settle Up work well for ongoing household costs because they keep running balances over months. Listub Debt Ledger suits couples and housemates who also want shared lists, bills and calendars in the same app. Splittr is a simple option for small households.
How do I split a group trip expense unevenly?
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Add the expense, choose who took part, then switch from an equal split to exact amounts, shares or percentages depending on the app. Listub Debt Ledger lets you split evenly or by exact amounts, and Splitwise and Settle Up also support uneven splits. The app then updates each person's net balance so settling up at the end is simple.
The right expense splitting app depends on whether you are splitting a holiday, sharing a flat or tracking a personal loan. If you want one IOU app for private records, agreed one-to-one contracts and group bill splitting, with repayments logged against a clear history, Listub Debt Ledger is our top pick. Splitwise is still the name most groups know, and Tricount is the strongest free Splitwise alternative with no paid tier. Whichever you choose, recording a cost the moment it happens is what keeps friendships and finances in good shape.
How we research: We compare each product on the same criteria, using makers’ documentation, independent reviews and owner feedback, and re-check the list when products change.
Written by
Bitezine Editorial Team
Rankings, reviews & guides
Our editors research every piece from makers’ documentation, independent tests and owner reports, and update it when products change.
