Splitwise and Tricount are brilliant at splitting a group's expenses. Cuéntamo splits expenses and debts too — who owes whom, settling up — but built into the rest of your finances. It's not about which is "better" in the abstract: it's about what you need. Here it is, no sugar-coating.
| Feature | Cuéntamo | Splitwise / Tricount |
|---|---|---|
| Splitting expenses — what all of them do | ||
| Who owes whom (balances) | Yes | Yes |
| Settle up / record payments | Yes | Yes |
| Split between people or groups | Yes | Yes |
| Uneven splits (by %, shares, amount) | Yes | Yes |
| Settlement plan (who pays whom at the end) | Yes | Yes |
| Join from a link — no install, no sign-up | Yes | — |
| Where Splitwise / Tricount still win | ||
| If your group already uses it, everyone logs without friction | — | Yes |
| Participants join with no install or sign-up (via link) | Yes | — (need the app/account) |
| Reminders for people who owe you | — | Yes |
| Several currencies inside one group | — | Yes |
| Years of mileage, millions of groups | — | Yes |
| Where Cuéntamo shines | ||
| What each paid in ≠ what each owes (two columns) | Yes | — |
| Shared bank account, squared against the statement | Yes | — |
| Which expense is actually paid, and how much | Yes | — |
| Split an expense that's already logged | Yes | — |
| What you're owed feeds your balance forecast | Yes | — |
| Undo and redo any movement | Yes | — |
| Built into your real accounts | Yes | — |
| Balance forecast (up to 5 years) | Yes | — |
| Net worth & investments | Yes | — |
| Budgets & savings goals | Yes | — |
| File-based statement import (CSV/Excel) | Yes | — |
| Spanish freelancer tax module (optional) | Yes | — |
| Private (no bank connection, no ads) | Yes | Ads on free plan |
| Pricing & platform | ||
| Free plan | Yes | Yes |
| Paid plan | €4.99/month | Splitwise Pro · Tricount free |
| Platform | Web · PWA (Android/iOS) | iPhone · Android · Web |
If you are here, either Splitwise & Tricount are not quite fitting or you are checking before you decide. This page will not try to talk you round: it says where Splitwise & Tricount are better, where Cuéntamo is, and who each one suits. If your answer at the end is «I will stay where I am», that is a useful answer too.
All three do the same job when it comes to shared expenses: you take an expense, split it between several people (evenly or not), and the app keeps track of who owes whom. When someone pays up, you mark the debt as settled and everything balances out. If you need to split the bills of a flat share, a trip or a group dinner, any of the three will do the work.
The difference isn't quality — it's purpose. Splitwise and Tricount are specialists: they were built solely to split expenses between people, which is why they do it so well. Cuéntamo is a full personal-finance app where expense splitting is one feature among many, connected to everything else:
And if you freelance in Spain, there's a full Spanish tax module too.
Let's be fair: for a one-off trip with friends or a flat share where the group already uses one of these apps, Splitwise and Tricount are still ideal, and for solid reasons. The first one, if your group already uses it: everyone logs what they pay and the work is shared. It is a real advantage, but a conditional one — and outside certain circles it is not as common as people assume. They have a native app for every participant, more than 100 currencies living side by side in one group — Cuéntamo runs one currency per shared account — and reminders to nudge whoever owes you, which Cuéntamo doesn't send. And they have years of mileage with millions of groups; Cuéntamo's is from 2026 and has seen far less of the world. Tricount doesn't even require signing up. If all you need is to square a group's expenses and be done, look no further.
Cuéntamo is not a social group app: you're not going to talk five friends into installing it for a weekend away. Its expense splitting shines when it's your finance app and you want those debts reflected in your accounts, next to everything else.
Cuéntamo is free to get started: accounts, transactions, forecast, and expense & debt splitting. No bank connection, no ads, no card required.
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