The best apps to split travel expenses in 2026

Group trips are the best test of an expense-splitting app. Several people pay for different things, in different currencies, over several days, and at the end someone has to work out who owes whom. Done in a notes app it ends in an argument. Done in the right app, it ends in a few payments and nobody counting.

The apps below are the ones people most often use for this. What we say about each comes from the product's own website or store listing, as of November 2026, and we have left out anything we could not confirm. We make Travel Life, which is on the list. Plans, limits and features change, so check the current listing before you invite a group.

What to look for

A few questions separate a good travel splitter from a generic one:

• Currencies. Can an expense be logged in the currency you paid in, and does the app convert it sensibly?
• Uneven splits. Not everyone eats the same dinner. Look for splits by share, percentage or exact amount, not just equal.
• Settling up. Does the app reduce the number of payments needed, or just show a list of debts?
• Offline. Do you get to log a bill in a restaurant with no signal?
• Who needs the app. Can a friend see the balance without installing anything?

Habits that make any app work

The app matters less than a few agreements made before the first payment. Decide who fronts the big costs, such as the villa or the car, and how everyone else will pay them back. Decide whether you are splitting everything evenly or only the shared things. Agree that anyone who skips a dinner or an activity is simply left off that expense. These are small decisions, and made early they save the awkward conversation on the last night.

Log expenses as they happen. A receipt photographed at the table is a minute of work; the same receipt reconstructed from memory a week later is an argument. Most of the apps below work offline, so a patchy signal is not a reason to wait.

Travel Life

Travel Life is a trip planner for iPhone and Android with expenses built in, so the costs sit beside the itinerary and bookings.

Best at: splitting costs inside the trip they belong to.

Who it suits: groups who are already planning in the app, and who want the plan, the bookings and the money in one place.

Expenses can be in any currency at the day's rate, and split evenly, by share or by exact amounts. Settling up uses the fewest payments. Stays, reservations and transit are stored with their costs, so the big bookings are already counted. The expense tools are free; Pro adds receipt scanning, itemised splits, budgets and insights, and one member's Pro covers the whole trip. It works offline.

Worth knowing: it is a full trip planner, not a stand-alone splitter, and there is no web app. If you only want to split bills for a weekend away, one of the focused apps below may be simpler.

Splitwise

Best at: a well-known splitter for ongoing groups, including housemates as well as trips.

Who it suits: people who want a long-running tally with friends or a household, on phone or web.

As of November 2026, Splitwise's website says you can track shared expenses and balances with housemates, trips, groups, friends and family. It supports equal and unequal splits, splits by percentage or by shares, and simplified debts. Features it lists include recurring expenses, offline mode, cloud sync, expense categories, search and itemisation, and it supports over 100 currencies. The core app is free on iPhone, Android and web, with a Pro plan that its site associates with receipt scanning, charts and currency conversion.

Worth knowing: the site names currency conversion among its Pro features, so if conversion matters to your trip, confirm what the free version does.

Tricount

Best at: a free, simple group-expense app for trips, with templates.

Who it suits: friends on a trip who want a quick shared tab without a lot of setup.

Tricount's website describes group expense tracking where each expense records the participants and the payer. As of November 2026, it also lists spending insights, payment requests that show who has paid and reminders for those who have not, and templates for trips, dinners, shared homes, couples, events and groups. It supports multiple currencies, with currency conversion listed as included, and offline use is listed as available. It runs on iOS and Android, can import Splitwise groups, and says it is free with no ads and no limits. There is also an optional bunq Card that adds shared expenses automatically; its terms are on bunq's site. We compare it directly in Travel Life vs Tricount.

Worth knowing: its site mentions only iOS and Android, so a friend on a laptop will not get a web view from what the site says.

Settle Up

Best at: splitting with people who do not have the app.

Who it suits: groups where some members will not install anything and just want to see what they owe.

Settle Up's App Store listing describes it as an app to track shared group expenses and show who owes whom. As of November 2026, it supports even splits, weighted shares and several people paying for one item, and it says it calculates the fewest transfers needed to settle. It lists support for all currencies with real-time exchange rates, works without an internet connection and syncs when you are back online. You can invite friends with a link or QR code, and people who do not use the app can view group balances in a browser through a shared link. You can export to CSV. The listing says the app is free with in-app purchases and that it contains advertising.

Worth knowing: the listing puts several features, such as receipt photos and Excel export, behind Premium.

Splid

Best at: no-fuss splitting with no sign-up.

Who it suits: a group that wants to start in seconds, including offline, and not create accounts.

Splid's App Store listing says the app works on and offline, that you can create an offline group or turn on sync to enter expenses together, and that no sign-up is required. As of November 2026, it says it handles one person paying while another contributes a different amount, multiple payees and unequal splits. It supports more than 150 currencies, converts automatically so you can settle in a different currency from the original bill, and aims to minimise the number of payments. You can see the group's total spending and download summaries as PDF; Excel export needs an in-app purchase. It is a free iPhone app with in-app purchases.

Worth knowing: the listing we read is for iPhone, so check the Android store page if your group is mixed.

How to choose

Match the app to the trip.

• For a weekend away with friends, any of the focused splitters will do. Pick the one the whole group can open; Settle Up and Splid are relaxed about who has what installed, and Tricount and Splitwise are widely used.
• For a long-running tab, such as a household or a regular group, Splitwise is built for that.
• For a trip you are also planning, a planner with expenses built in saves you from keeping two apps in step. That is where Travel Life fits.
• For a trip across several currencies, check how each app converts. It is the most common reason a total comes out wrong.

Think about the least technical person in the group, too. If one friend will never install anything, an app with a browser view of balances saves you from collecting their share by hand. If everyone is happy to sign up, the choice can come down to which interface you like.

Whichever app you use, the habit matters more than the tool: log expenses as they happen, agree on the split before you pay, and settle at the end. Our guides to tracking travel expenses and settling up after a group trip go through it, and agreeing a budget first prevents most arguments before they start.