Both Tricount and Splitwise let you create a group, log shared expenses, and see who owes who. But they make very different trade-offs around pricing, ads, multi-currency, and offline mode. We've used both for years across trips, flatshares, and couples — here's the honest 2026 breakdown.
Quick answer: if you're going on one trip and want zero friction, pick Tricount. If you want a permanent ledger between friends, Splitwise is fine — but you'll hit ads and pay-walls fast. If you want both, plus an AI receipt scanner and gorgeous analytics, our pick is Monira.
| Feature | Tricount | Splitwise | Monira |
|---|---|---|---|
| Price | Free | Free / $3 mo Pro | Free |
| Ads on free tier | None | Yes | None |
| Free expense limit | Unlimited | Capped daily | Unlimited |
| Multi-currency | ✓ Free | Pro only | ✓ 150+ live FX |
| AI receipt scanner | ✗ | Pro only | ✓ Free |
| Item-level splits | ✗ | ✗ | ✓ |
| Offline mode | ✓ | ✗ | ✓ |
| Trip analytics & charts | Basic | Basic | ✓ Advanced |
| CSV / PDF export | ✓ | Pro only | ✓ |
| Recurring expenses | ✗ | Pro only | ✓ |
| Group debt simplification | ✓ | ✓ | ✓ |
| App Store rating | 4.7 ★ | 4.6 ★ | 4.9 ★ |
Tricount is fully free. Splitwise has a free tier — but in 2024 they introduced daily limits on expense additions and aggressive upsells to a $3/month Pro plan. Multi-currency, receipt scanning, and recurring expenses all sit behind that paywall.
If you're traveling internationally, this matters a lot. Tricount supports unlimited currencies for free with daily FX. Splitwise only enables it on Pro. Monira ships 150+ currencies free with live exchange rates per expense.
Tricount has none. Splitwise has it but only on Pro. Monira is the only one with a free AI receipt scanner that auto-fills items, tax, and tip — letting you split a $190 dinner correctly in under 5 seconds.
Tricount and Monira both work offline — critical when you're in the mountains or on a plane. Splitwise requires connectivity, which is annoying when you're abroad without data.
Tricount and Splitwise both show totals and per-person balances — fine, but boring. Monira ships beautiful charts: spend by category, donut by member, daily timeline — perfect for travel debriefs.
Tricount and Monira are 100% ad-free. Splitwise free tier shows ads at the bottom of every screen.
Fully free. Optional Tricount Premium ~$3/mo unlocks themes & advanced views, but nothing essential.
Free tier exists but caps daily entries and shows ads. Most travelers end up upgrading.
Free unlimited expenses, currencies, receipt scans & analytics. Optional Pro for power users.
You want a 100% free, simple, ad-free app for one-off trips and you don't need a receipt scanner. Especially great for European travelers who want native multi-currency.
You want long-term running balances between the same friends and you don't mind paying $3/month. Be prepared for ads on the free tier.
You want everything Tricount has, everything Splitwise charges for, plus an AI receipt scanner, item-level splits, and beautiful analytics — for free, on iPhone.
Try Monira free →
It depends. Tricount is fully free with no ads and is great for one-off trips. Splitwise has a slightly nicer UI for ongoing balances but limits free users and shows ads. For most users — especially travelers — Tricount is the better free option, while Monira beats both with an AI receipt scanner and item-level splits.
No. Splitwise's free tier is limited (caps on expense additions per day, ads). Tricount is fully free with optional pro upgrades. Monira is also 100% free with no ads.
Yes — Tricount supports multiple currencies natively. Splitwise only supports it on the paid Pro plan. Monira includes 150+ currencies free with live FX.
For trips, Tricount wins on price and simplicity. Splitwise wins on long-term balance tracking. Monira wins both — built specifically for trips with offline mode, multi-currency, and trip analytics.
Monira is rated 4.9★ by 28,000+ users and offers everything Tricount and Splitwise do — plus an AI receipt scanner, item-level splits, and beautiful trip analytics, all free. Learn more →
Free forever. No ads. AI receipt scanner. 150+ currencies. Loved by 28,000+ travelers.
Tricount® and Splitwise® are trademarks of their respective owners. Monira is an independent product and is not affiliated with, endorsed by, or sponsored by either company. Pricing & feature claims accurate as of May 2026.
