Comparison

Cuéntamo vs Splitwise & Tricount: splitting expenses

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.

FeatureCuéntamoSplitwise / Tricount
Splitting expenses — what all of them do
Who owes whom (balances)YesYes
Settle up / record paymentsYesYes
Split between people or groupsYesYes
Uneven splits (by %, shares, amount)YesYes
Where Splitwise / Tricount shine
Friend groups (network effect: they already use it)—Yes
Multi-currencyYesYes
Group debt simplification—Yes
The app your contacts already have—Yes
Where Cuéntamo shines
Built into your real accountsYes—
Balance forecast (up to 24 months)Yes—
Net worth & investmentsYes—
Budgets & savings goalsYes—
File-based statement import (CSV/Excel)Yes—
Spanish freelancer tax module (optional)Yes—
Private (no bank connection, no ads)YesAds on free plan
Pricing & platform
Free planYesYes
Paid plan€4.99/monthSplitwise Pro · Tricount free
PlatformWeb · PWA (Android/iOS)iPhone · Android · Web

Where they overlap

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.

Where they differ

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.

When Splitwise or Tricount is the better choice

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 ideal. They have three big things going for them: the network effect (your friends already have them installed, so everyone logs expenses without friction), support for more than 100 currencies on international trips, and a very polished group debt simplification. 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.

Summary by use case. Splitting a trip or a flat share with a group that shares the app? Splitwise or Tricount, thanks to the network effect and 100+ currencies. Want your balance, forecast, budgets and net worth in the same app that tracks the debts other people owe you, instead of keeping them in a separate one? Cuéntamo. They're not mutually exclusive: you can use both.

Try it with your own numbers

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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Frequently asked questions

It depends on the use case. Splitwise and Tricount specialise in splitting a group's expenses (a trip, a flat share, a dinner) and do it very well, with a network effect on their side: your friends already have them installed. Cuéntamo splits expenses and debts too, but its value is that it's part of YOUR finance app: debts show up in your real accounts, alongside your balance forecast, budgets and net worth.
Yes — Cuéntamo splits expenses between people, records debts and lets you settle up, with a who-owes-whom view. But let's be fair: for a one-off trip with friends who already use Splitwise or Tricount, those apps are ideal, because the whole group shares the same tool and they support more than 100 currencies. Cuéntamo shines when you want those debts to be part of your finances, not stuck in a separate app.
No. Splitwise (and Tricount) are dedicated to splitting shared expenses between people: balances, groups, splits and settling payments. They are not finance apps: there's no balance forecast, no full budgets, no net worth or investment tracking. Cuéntamo covers all of that, and includes expense and debt splitting on top.
If your flatmates already use Splitwise or Tricount and all you want is to square the month's shared bills, those apps are the comfortable choice thanks to the network effect. If you're the one keeping the household books and you want those splits woven into the rest of your money — your balance, your budgets, your forecast — Cuéntamo is the better fit.
Yes, the core of both is free. Splitwise offers a paid Pro plan with receipt scanning, charts, search and no ads. Tricount is free and hugely popular for trips, with no sign-up required. Cuéntamo has a free plan too; Cuéntamo Más costs €4.99/month (€3.99/month at the Early Bird price for the first subscribers).
Of course. Plenty of people use Splitwise or Tricount for a specific trip with friends and keep their day-to-day money in Cuéntamo. When you settle a debt at the end of the trip, you can record that movement in Cuéntamo so it shows up in your real balance. They're not mutually exclusive: they cover different needs.
Comparison based on publicly available information from splitwise.com and tricount.com (July 2026). Features and prices may change; always check each product's official website. Cuéntamo is not affiliated with Splitwise or Tricount; "Splitwise" and "Tricount" are trademarks of their respective owners. If you spot anything out of date, write to us at [email protected] and we'll fix it.

Keep reading

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