Bill splitting apps

Four bill splitting apps, compared for India.

Most people start looking because the free tier stopped feeling free. Four apps are worth the switch, and which one you want depends entirely on whether you are splitting one holiday or running a flat all year.

We make Splitkaro, one of the four apps below.

The short answer

Splitkaro for India, because UPI payments and bank SMS file themselves and your own spending lives in the same app. Tricount for a multi-country trip, Splid if nobody wants to sign up, Settle Up if you need a real browser version.

Splitkaro

That’s us

Group and your own spending in one app

  • Reads your bank and UPI SMS alerts, parsed on your device
  • Chat-based groups, plus personal spending in the same ledger
  • Free unlimited expenses and free overall analytics
  • Works offline, syncing when you are back online
  • Share a group by link or QR code
  • Imports your existing groups from Splitwise
  • Set a recurring expense once and it is created for you every month
  • No currency conversion yet, so a multi-country trip is awkward
  • No web app for running your groups; shared links open in a browser, view only
  • Custom categories and expense search are Premium; UPI-share is limited on Free
  • Everyone needs an account

Tricount

A trip that crosses borders

  • Converts multiple currencies automatically
  • Completely free, with no premium tier to run into
  • Offline entry that syncs when you are back online
  • Imports your existing groups from Splitwise
  • No personal expense tracking, only shared groups
  • Automatic import needs a bunq card
  • Receipts attach as photos rather than being scanned
Tricount vs Splitkaro, in detail

Splid

One trip, with nobody signing up

  • No account needed, by anyone in the group
  • Works fully offline, sync is optional
  • More than 150 currencies, converted automatically
  • Download the summary as PDF or Excel
  • No categories, analytics or receipt scanning
  • Nothing is tracked automatically
  • Built for one-off groups rather than ones you keep
Splid vs Splitkaro, in detail

Settle Up

Using it in a browser

  • Recurring and future expenses
  • A browser version as well as the apps
  • Multiple currencies and offline use
  • Share a group by link or QR code
  • The free tier shows ads
  • Receipt photos, categories, statistics and Excel export are all premium

tricount.com/en/features · splid.app · Settle Up on the App Store — checked September 2026

Which one should you actually pick?

Go deeper

Splitwise vs SplitkaroTricount vs SplitkaroSplid vs Splitkaro

Questions, answered

What is the best free Splitwise alternative in India?

Splitkaro and Tricount are both free for unlimited expenses. Splitkaro suits India better because it reads bank and UPI SMS and accepts shared UPI payments; Tricount suits international travel better because it converts currencies.

Can I move my Splitwise groups across?

Splitkaro and Tricount both import from Splitwise, so your people and balances carry over instead of being retyped.

Which alternative works without an account?

Splid. You can start an offline group in seconds and nobody has to sign up, which is the trade-off for having no analytics, categories or automatic tracking.

Is there a Splitwise alternative with a web version?

Settle Up has a full browser version alongside its apps. Splitkaro opens shared expense links on the web, but they are view only, so there is no web app for running your groups.

Try the one built for India

Bring your Splitwise groups across. Your UPI payments and bank SMS fill themselves in. Free on Android and iOS.

Download for AndroidDownload for iOS