Comparison

Tricount vs Splitwise: which one to pick

Both split a group's expenses and keep track of who owes whom. The difference is in the fine print: whether you need to sign up, whether there are ads, and what happens when the split stops being a one-off. Here it is without the marketing — including the case where neither is what you are looking for.

FeatureTricountSplitwiseCuéntamo
Splitting expenses — what all three do
Who owes whom (balances)YesYesYes
Unequal splits (%, shares, amount)YesYesYes
Settle up / mark paymentsYesYesYes
Several currencies inside one groupYesYesOne per account
Settlement plan (who pays whom)YesYesYes
Join from a link — no installNo sign-up—Yes
Participants join with no install or sign-up (via link)Yes— (needs an account)Yes
What each paid in ≠ what each owes——Yes
Shared pot squared against the bank——Yes
Which expense is actually paid——Yes
Where Tricount and Splitwise part ways
Take part without creating an accountYes—Not needed
Ads in the free versionNoYesNo
Paid plan with extras—Splitwise ProCuéntamo Más
Receipt scanning—With ProWith Más
What no expense-splitting app covers
Works even if the others use no app at all——Yes
The debt counts towards your balance and forecast——Yes
Integrated with your real accounts——Yes
Balance forecast (up to 5 years)——Yes
Budgets and savings goals——Yes
Net worth and investments——Yes
Import bank statements (CSV/Excel)——Yes
Freelancer module (optional)——Yes
Price and platform
Free planYesYesYes
Paid planFreeSplitwise Pro€4.99/month
PlatformiPhone · Android · WebiPhone · Android · WebWeb · PWA (Android/iOS)

Where they are identical

Worth saying up front, because it saves a lot of time: when it comes to the actual work of splitting expenses, Tricount and Splitwise do the same thing. Both let you add an expense, split it between several people — equally or unequally, by percentage or by amount — keep the balance of who owes whom, and mark debts as settled. Both handle more than a hundred currencies, so either works for an international trip. And both simplify the group's debts, the calculation that saves you three transfers when one will do.

If someone tells you one splits expenses "better" than the other, be sceptical. The choice is decided elsewhere.

Where they genuinely differ

There are three differences that do change the experience, and all of them come down to entry friction and the business model.

Pick Tricount if…

It is a one-off trip or event, the group is a one-time thing, and you want nobody to have to sign up. You share the link, everyone adds, you settle, done. Zero friction, zero ads.

Pick Splitwise if…

You will share expenses with the same people on an ongoing basis — a flat, a couple, a stable group — and it is worth everyone having an account in exchange for history, search and, if you pay for Pro, receipt scanning and charts.

When neither is the answer

There is one case where the question "Tricount or Splitwise?" is the wrong question, and it is worth admitting: when what you share is not an event, but part of your finances.

Household expenses with your partner, money you lent a relative, the shared bills of a flat you manage. In those cases the split never ends: there is no moment where you "settle up and close the group". And then the underlying problem shows up — your real balance and what you are owed live in two different places. The splitting app says you are owed €340, your bank account does not know it, and neither does your end-of-month forecast.

That is where Cuéntamo fits. It is a complete finance app — accounts, transactions, balance forecast, budgets, net worth and, if you need it, freelance tax handling — that also splits expenses and tracks debts. The difference is that those debts are not in a separate app: they are part of your accounts, your balance and your projection.

The network effect, up close. It is usually taken for granted — «your friends already have it» — and it shouldn't be: outside certain circles, plenty of people have never heard of either. When the group does use it, the advantage is real: everyone logs what they pay and the work is shared. But it is also a toll, because the group has to join. Cuéntamo turns it around: you create a debt account in each person's name and it works just the same even if none of them has ever heard of the app — nobody installs anything, nobody signs up, and what you are owed counts towards your balance from day one. If one of them does end up using it, that account is promoted to a linked account: it carries over the transactions you already had, and each of you sees the debt from your own book. The trip with several payers is no longer a gap: every expense has two columns — what each person paid in and what each owes — and everyone logs from the same link. Where Tricount and Splitwise still win is elsewhere: a native app for everyone, several currencies in one group, and years of mileage Cuéntamo doesn't have.

If yours is the third case, try it

Cuéntamo is free to start: accounts, transactions, balance forecast and expense and debt splitting. No bank connection, no ads, no card.

Start for free →

Frequently asked questions

For splitting group expenses both are the leaders in pure splitting and do the job, so between them the choice comes down to practical details: Tricount does not require signing up, which makes it smoother for a one-off trip (you share the link and everyone adds expenses without creating an account), and Splitwise requires an account and shows ads in its free version, but offers a paid Pro plan with receipt scanning, charts and search if you'll be keeping accounts with the same people for months. That said, if beyond splitting you want those debts to live alongside your real accounts, your balance forecast, your budgets, your net worth and, if you freelance, your Spanish taxes, Cuéntamo does all of that in a single app and includes expense and debt splitting with a who-owes-whom view. Our goal is to be the best personal-finance app for households and freelancers, and where we're not there yet, we work on it every day. All three have a free plan, so you can try them at no cost.
Yes, Tricount is free for splitting expenses and it does not require signing up to take part in a split, which makes it very popular for trips: whoever organises creates the tricount and shares the link with the group.
The core of Splitwise is free, with ads. There is a paid Pro plan that adds receipt scanning, charts and search, and removes advertising. For plain expense splitting, the free version is enough.
They work, but that is not what they were built for. Tricount and Splitwise handle a bounded split very well — a trip, a dinner, a flat for a season — and then you settle up. If what you share are recurring expenses that are part of your everyday finances (rent with your partner, household bills, a loan to a relative), the balance ends up living in a separate app, disconnected from your real accounts. That is where a finance app that also splits expenses, like Cuéntamo, fits better.
Not automatically: they are closed apps and do not export into a finance app. The usual approach is to record the final movement in your accounts — what you paid and what you got back — once the group settles. In Cuéntamo you can record the split and the debt directly, so what you are owed is part of your balance from the start rather than only at the end.
With Tricount and Splitwise, yes: their advantage is that everyone records in the same place, and that requires the group to join. With Cuéntamo nobody else needs to sign up: each person is a debt account in your book, so you can split an expense with people who have never heard of the app, and what you are owed counts towards your balance from day one. And if one of them does end up using it, that account is promoted to a linked account: it carries over the transactions you already had, and each of you sees the debt from your own book.
Comparison based on public information from tricount.com and splitwise.com (September 2026). Features and prices may change; always check each product's official website. Cuéntamo is not affiliated with Tricount or Splitwise; "Tricount" and "Splitwise" are trademarks of their respective owners. If you spot anything out of date, write to us at [email protected] and we will correct it.

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