Apps to split expenses with your partner: 6 apps compared

To split expenses with your partner, you want an app that is free for two, works without linking your bank, syncs between iPhone and Android, and applies the split the two of you agreed on. For settling up after a trip or a weekend, Tricount, Splid or Settle Up are enough. For rent, groceries and subscriptions month after month, Splitwise and Boney are better equipped, each with its own limits. If you would rather see both of your bank accounts in one place, Honeydue takes a different route.

Updated November 4, 2026. Everything said about other apps comes from their official pages and their App Store and Google Play listings, checked that day (sources at the end of the page).

What a couples app needs to do

A couple with separate accounts has a different problem from a travel group. The expenses don't stop after a week: rent, utilities, groceries and streaming come back every month. Who pays changes from one bill to the next. And not everything belongs in the shared pot.

Six criteria separate the apps built for this from the ones that handle it on the side:

1. Free for two. No daily expense cap, no trial that runs out after two weeks.
2. No bank connection required. You add what you want to share. No app reads your statements for you.
3. Syncs between iPhone and Android. Plenty of couples don't have the same phone.
4. Balances worked out for you. At the end of the month, you know who owes whom and how much.
5. Personal spending kept apart. Your own expenses stay out of the shared ledger.
6. Your split. 50/50, in proportion to income, or something else, and not necessarily the same for rent and for groceries.

The comparison table

Criteria checked on November 4, 2026.

"Not mentioned in the listing" means the official description says nothing about it, not that the feature is missing. Check in the app before you commit.

What the other apps do well

Splitwise

Among the group apps in this table, Splitwise ticks the most boxes for a household: recurring expenses, splits by percentage or shares, balances across several groups, on iPhone, Android and the web. With 29,342 ratings on the US App Store, it is also the most reviewed app in this list. The catch is in the free plan: Splitwise has introduced a daily expense limit there, which only Splitwise Pro lifts. Saving a default split for a group, say 55/45 for everything with your partner, is also a Pro feature. If you enter the week's receipts on Sunday evening, the limit can get in the way. More in Boney vs Splitwise.

Tricount

Tricount describes itself as "free & unlimited – no subscription, no hidden fees, no limit on tricounts or expenses" and names couples alongside roommates and friends. Partners join through a link, it works offline, handles multiple currencies and lets you attach expense photos. Tricount's French site also promotes an optional bunq card that adds shared expenses as you pay; you don't have to use it. For a couple that mostly settles up after holidays, it is hard to make it simpler. More in Boney vs Tricount.

Honeydue

Honeydue is the couples-only app in this list, and it works the other way round: it connects to your bank accounts (it supports most US banks), shows your balances in one place and categorizes spending automatically. Each partner chooses how much to share. It adds monthly category limits, bill reminders and a way to comment on a purchase. It is free, and its site has a waitlist for a joint banking program. If you both bank in the US and want an overview of all your money together, Honeydue fits better than a splitting app. If you'd rather not link your bank, it doesn't.

Splid

Splid keeps it short: create a group, add expenses, and Splid shows who owes how much to whom. No sign-up, offline use, unequal splits and several payers, more than 150 currencies with automatic conversion. The app is free; only the Excel export is paid. Splid lists relationships among its use cases. It doesn't describe a personal budget next to the group, or recurring expenses.

Settle Up

Settle Up runs on iPhone, Android and in the browser; a link lets someone view the balance without installing anything. It handles even and unequal splits, several payers for one item, all currencies with real-time exchange rates, and works out the fewest transfers to settle everything. Recurring rent and subscriptions, receipt photos and an ad-free experience are Premium.

Where Boney fits, and where it doesn't

Boney is a shared household ledger. You add your expenses, Boney works out who owes what using the split you chose, with no bank connection. Each of you keeps a personal side next to the shared one.

An example. Camille earns $2,000 a month after tax, Lucas $3,000. They agree to share rent 40/60 and groceries 50/50. In October, Lucas pays the $1,100 rent, Camille pays $450 of groceries. Camille's share: $440 of rent and $225 of groceries, so $665. She paid $450. Boney shows: Camille owes Lucas $215. Rent is scheduled once as a recurring expense; Boney adds it every month on the due date, with the same shares.

The 40/60 is yours to set: Boney applies the split you chose, it doesn't work it out from your salaries. To find your own, the split expenses by income calculator gives the percentages in seconds, and the guide Split 50/50 or proportional helps you choose.

What Boney does for free for two: up to 3 budgets with 2 participants each, unlimited expenses, recurring expenses, sync between iPhone, Android and the web, CSV statement import, no ads. Sensitive data is encrypted, secured and stored in Europe.

The limits, plainly:

• Three people means Premium. The free plan allows 2 participants per budget. A three-person flatshare or a family with a grown-up child needs Premium: €3.90 a month or €24.90 a year on the web, and store prices may differ. For a flatshare that doesn't want to pay, Tricount, Splid or Settle Up fit better.
• Analytics beyond 30 days are Premium. Balances stay complete on the free plan.
• No currency conversion. You pick one currency per budget, but Boney doesn't convert between currencies. For a trip in several currencies, Tricount, Splid, Settle Up or Splitwise Pro do better.
• You still add expenses yourself. Boney doesn't read your account, by design. It takes a small habit, or a CSV import where you check each line.
• Boney doesn't move money. You pay each other back yourselves, by bank transfer or however you usually do.

Which app for which couple

• You settle shared costs now and then, on trips or weekends: Tricount, Splid or Settle Up. All three are free and ready without an account.
• You both bank in the US and want to see all your accounts together: Honeydue, if linking your bank suits you.
• You share rent, bills and groceries every month, with different shares: Splitwise, if the free plan's daily limit doesn't bother you or you take Pro; Boney, if you want recurring expenses for free and your personal budget alongside, as a pair.

Whatever the app, what matters most is a rule you both accept. The guide How to split expenses fairly with different incomes walks through the methods.

Frequently asked questions

What is a free app to split expenses with a partner?

Tricount, Splid and Honeydue describe themselves as free; Settle Up is free with ads. Splitwise is free with a daily expense limit. Boney is free for two: 3 budgets, 2 participants per budget, recurring expenses included.

Is there a couples budget app that doesn't connect to my bank?

Yes, most apps in this comparison don't need one. With Splitwise, Tricount, Splid, Settle Up and Boney, you add expenses yourselves. Splitwise Pro offers card transaction import in the US only. Honeydue, on the other hand, is built on linking your bank accounts.

How do we split expenses with different incomes?

The most common method is proportional: each of you pays a share in line with what you earn. With $2,000 and $3,000, that gives 40/60. Splitwise and Boney both accept percentage shares. In Boney, you set the shares per budget, for example 40/60 for rent and 50/50 for groceries, and Boney applies them to every expense. It doesn't calculate the shares from your salaries: you choose them.

Splitwise or Tricount for a couple?

Tricount, if you want a free app with no ads and no limits, mainly for one-off expenses. Splitwise, if you want recurring expenses and percentage splits, and accept the free plan's daily limit or take Pro.

Does a splitting app replace a joint account?

No. A joint account moves money; a splitting app records who paid what and works out who owes how much. Many couples use both: the account for fixed bills, the app for what each of you pays with your own card. The guide Joint or separate accounts helps you decide.

Does Boney work for housemates or a family?

Yes, but from the third person in a budget you need Premium. For two, Boney stays free. For a larger flatshare that doesn't want to pay, Tricount, Splid or Settle Up fit better.

Sources

All checked on November 4, 2026. Rating counts: US App Store (iTunes lookup, country=us).

• Splitwise: App Store (29,342 ratings), Google Play, core and Pro features, Splitwise Pro, free plan daily limit
• Tricount: App Store (7,581 ratings), Google Play, French site, bunq card
• Honeydue: App Store (10,281 ratings), official site
• Splid: App Store (4,203 ratings), Google Play
• Settle Up: App Store (1,786 ratings), official site
• Boney: App Store, Google Play

Boney is a shared ledger for couples, housemates and families who keep their accounts separate.