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Best bill splitting apps: 11 ranked on what lasts

September 22, 2026 · 14 min read · Dimesum Engineering · reviewed by Jagadeep Sai

Eleven bill splitting apps, ranked on the four things that decide which one survives month four: an edit that keeps history, balances per currency, settling in fewer transfers, and getting your data out.

If you're comparing bill splitting apps before you download one, here's the short version. If your group just wants arithmetic once, a plain calculator does it. If you share money again and again, flatmates, a trip, a standing dinner, you want an ongoing ledger that remembers who paid and who owes.

And if everyone already banks in the same place, a split feature inside that bank can settle without anyone installing much. Dimesum is ours, and it's on this list at number 1, so read us with that in mind. We ranked the eleven on four plain tests, not on which one felt nicest.

*Eleven bill splitting apps, on the four things that decide it*

What separates a bill splitting app that lasts from one you delete

1. An edit that keeps history

Someone always gets a bill wrong. The ramen night was entered as 4,000 yen when it was 6,000, or Sofia paid, not Jonas. What matters is what the app does next. A ledger that lasts doesn't quietly overwrite the old number.

It posts a correction on top, a compensating entry, so the first figure and the fix both stay on the record. You can see that the amount changed, when, and to what. The alternative edits the past in place: balances shift and nobody can say why. When a group trusts the running total, it's because every change left a trace.

That's the difference between a record and a guess. We wrote more on why an edit must restate its split, and on the append-only ledger that makes it possible.

2. Balances per currency

Two currencies turn up more often than groups expect. A trip where Mei pays for the hotel in euros and Tomas covers taxis in forint, and now the group owes across two units. The wrong move is to convert everything to one currency at the moment of entry, using whatever rate was handy.

That bakes a guess into the record, and the guess drifts. A ledger that lasts keeps a balance per currency, so €40 owed and 15,000 forint owed sit side by side, each exact. Conversion, if it happens, happens once, at settlement, out in the open.

Keep the units separate and the arithmetic stays honest. Mix them early and you inherit a rounding bug you can't find later. We've catalogued the ways multi-currency money bugs creep in.

3. Settling in fewer transfers

At the end, four friends can owe each other in a tangle: Priya owes Lucas, Lucas owes Aiko, Aiko owes Priya. Paid literally, that's a chain of transfers, some of which cancel out. A ledger that lasts nets the whole group down first, then proposes the smallest set of payments that clears everyone. For a group of five people, that's at most four transfers, often fewer.

The saving isn't the money, it's the number of times someone has to open their banking app and type a name. Fewer transfers means fewer chances for a payment to go astray or get forgotten. A good settlement is the one nobody has to bring up twice. Here's how we settle up group expenses in as few moves as possible.

4. Getting out, export and delete

The test people forget is the exit. A group ends, the trip's over, and you want your data out and then gone. A ledger that lasts lets you export the whole record, every expense and every balance, in a format you can open elsewhere. And it lets you delete the account, for real, not just hide it.

This matters more than it sounds. An app that makes leaving hard is telling you something about how it treats the data while you stay. If you can walk out with a clean copy and leave nothing behind, the tool was working for you, not the other way round. Check the exit before you commit to the entrance.

The 11 best bill splitting apps, ranked

So here are the four tests, in the order we ranked on: an edit that keeps history, a balance per currency, settling in the fewest transfers, and getting your data out. Every place in this list is earned or lost on those, and we've read the store figures as of August 2026. Numbers people quote about group spending are easy to find; we keep a few in our own bill splitting statistics. Now the eleven.

1. Dimesum

Dimesum is for groups who share money more than once and want the record to hold up: flatmates squaring rent, a trip with a few payers, a dinner that splits four ways. Against the four tests, it does this. An edit posts a compensating entry, so history survives instead of being overwritten. Balances are kept per currency, so €40 and 15,000 forint stay separate and exact.

Settlement nets the group and clears it in at most one transfer fewer than the number of people. And you can export everything and delete the account when you're done. It never holds or moves money; it keeps the score, and the reasoning behind it is public, down to why we deleted the parser that used to guess at a bill. It's free.

The honest limitation: Dimesum is new, has no app store listing yet, and runs in the browser rather than as an installed app. If you split rent, we wrote up how to split rent with roommates; for a meal, how to split a restaurant bill fairly.

2. Splitwise

Splitwise is a group expense app for flatmate and trip splitting, with an ongoing ledger. There's a free tier, and a Pro tier: US in-app prices have ranged from $2.99 to $39.99 as of August 2026, and regional pricing varies widely. Pro is what unlocks unlimited expenses, receipt scanning and itemising, currency conversion, charts and search.

Measured against our four tests, that's where it falls short: currency conversion sits behind the paid tier, so per-currency handling isn't a free-tier given. And reviewers across storefronts report a daily cap on the free tier; the company doesn't document one, so treat it as a report, not a figure. For a group that's happy on the free tier and rarely crosses a currency, none of that bites.

3. Tricount

Tricount is a group expense app for trips and shared costs, with an ongoing ledger, and it's owned by the bank bunq. It's free: its Premium tier was withdrawn, so there's nothing to buy. On our four tests, our source is quiet: it doesn't record whether an edit keeps history, how it handles balances across currencies, or how it settles a group.

What the table does give is the ownership, so know that the app sits inside a bank's product line. If that's a consideration for you, whether by preference or by policy, it's the one clear thing to weigh here. Beyond it, the app's behaviour against our tests isn't something our source can speak to, so we won't.

4. Splid

Splid is a group expense app for splitting shared costs, with an ongoing ledger. It's a single purchase of $3.99, with no ads and no subscription, which is a simple deal to reason about. Against our four tests, our source doesn't record how it handles edits, currencies, or settlement, so we leave those unsaid rather than guess.

The one plain limitation it does give is maintenance: as of August 2026, Splid's Android release had not been updated for about twelve months. An app that sits still for a year isn't necessarily broken, but it's the fact worth knowing before a group commits its record to it. If a one-time price and no subscription is what you're after, that's the trade you're weighing.

5. Settle Up

Settle Up is a group expense app with an ongoing ledger, used for trips and shared houses. Its pricing has two shapes: a subscription, and a per-group purchase that one person can buy on behalf of the whole group, ranging from $5.99 a week to $149.99 once, as of August 2026. Against our four tests, our source doesn't record how its edits or currency balances behave.

The plain limitation the table gives is where it runs: a phone app, plus a web app that asks everyone to sign in. For a group with one member who won't make an account, that sign-in is the friction to plan around. The buy-once-for-the-whole-group option, though, is a fair fit when one person is happy to cover the cost.

6. Tab

Tab is a free group expense app with an ongoing ledger. How it makes money isn't published, so that's worth noting up front: free with no stated business model is a fact, not a promise. Against our four tests, our source doesn't record how it handles edits, currencies, or settlement. The plain limitation it does give is maintenance: Tab's Android release hasn't been updated since May 2023.

That's more than three years by August 2026. As with any app that's gone quiet, the risk isn't today, it's whether the record you build stays supported next year. If your group splits the occasional bill and isn't storing years of history, that risk is smaller.

7. Spliit

Spliit is an open-source group expense tool with an ongoing ledger that runs in a browser or on your own server. It's free, and it's run lean: the project reported about $1,300 of income in a year, most of it from its own founder. Against our four tests, our source doesn't record how its edits, currency balances, or settlement work.

The plain limitations the table gives are two: there's no app store listing, so you reach it through the web or by hosting it yourself, and the funding is slim enough that continuity rests largely on one person. For a technical group that wants to run its own server, those are the trade-offs to sit with, and the openness is the reason you'd take them on.

8. Kittysplit

Kittysplit is a plain website that splits a bill with no account and no download, and it's free. It's not an ongoing ledger, though: it's a calculator, built to do the arithmetic once and hand you the answer. It ranks at or near the top for calculator searches in this category, which is a fair signal that plenty of people want exactly that, the sum without the sign-up.

Against our four tests it's honest about what it isn't: with no running record, there's no edit history to keep, no per-currency balance carried forward, and nothing to export later. For a one-time dinner that never repeats, that can be all a group needs, and the no-account start is genuinely quick.

9. Venmo Groups

Venmo Groups lives inside Venmo, in the United States, and it's been live since November 2023. It keeps running balances for a group of up to 30 people and simplifies them down, and it's free. Against our four tests, it does net a group and reduce the transfers, which is one of the four.

The plain limitations the table gives are reach: it works in the United States only, and everybody in the group needs a Venmo account. For a group that's all in the US and already on Venmo, that's no barrier at all. For a group that isn't, it's a wall at the door, and no web link gets around it here.

10. Revolut Group Bills

Revolut Group Bills sits inside Revolut, has been live since August 2020, and handles groups of 2 to 20 people with a feature it calls Smart Settle. Revolut's own terms say it doesn't currently charge a fee for it. Against our four tests, Smart Settle nets a group toward fewer transfers, which covers one of them.

The plain limitations the table gives are membership and size: it's built around holding a Revolut account, though people without one can take part through a web link, and a group tops out at 20 people. If your group already banks with Revolut, it's close at hand; if not, everyone's leaning on that shared link to join in.

11. Monzo Split

Monzo Split sits inside Monzo and was rebuilt in March 2025. It handles unlimited expenses on an ongoing ledger and allows partial settlement, so a group can clear part of what's owed without closing the whole thing out. It's free, and Monzo advertises no paywalls and no ads.

Against our four tests, partial settlement and a running ledger cover ground on two of them. The plain limitation the table gives is the home it lives in: the full experience is inside Monzo, though guests can join by link with no Monzo account and no UK address needed. That guest link is what lets a mixed group use it at all, so it's the first thing to test.

How to pick in an evening

1. Name what your group actually does

Before you read another review, write down how your group spends. One dinner that won't repeat? A calculator or a website with no account is enough. A flat, a recurring trip, a standing supper club?

You want an ongoing ledger. Most people looking for apps to split bills are somewhere in the second group and reach for a calculator by habit. Match the tool to the pattern, not to the download chart.

2. Run one real bill through it

Don't judge a split bill app on its home screen. Enter a bill you actually had, the ramen night, the taxi Tomas paid for, then change it. Did the edit leave a trace, or did the old number vanish?

A quick test with a real amount tells you more than an hour of reviews. The best app to split bills is the one that survived your own edit, not the one with the tidiest icon.

3. Add a second currency on purpose

If your group ever crosses a border, force the issue tonight. Enter one expense in euros and one in forint and see what the app does. Does it hold €40 and 15,000 forint apart, or mash them into one figure at yesterday's rate?

Watch where and when it converts. This is the test that separates a ledger you can take on holiday from one that quietly drifts while you're away.

4. Check the exit and the price together

Look for two things in the same minute: how you get your data out, and what it costs. A split bill app free at sign-up can still make leaving hard, and a paid one can let you export cleanly. Find the export button and the delete button before you invite anyone. If you can't find either, that's your answer, and it's worth having before the group's history is inside.

5. Invite the reluctant one first

Every group has one person who won't install anything. Send them the invite before you commit the group. If they can join by a link with no account, good.

If the app demands everyone sign in, you'll be waiting on that one holdout for weeks. The tool that fits is the one your least willing member will actually use, so let them decide it.

We put Dimesum first because it passes our own four tests, not because it's ours; read the list with the same suspicion you'd bring to any app writing about itself. When you're ready to keep the score for your own group, open Dimesum and run one real bill through it.