Splitwise vs Tricount — plus one free alternative worth knowing (2026)
Splitwise and Tricount are the two default answers to "which app splits expenses with friends?" Both work. But they've diverged in ways most comparison articles miss — and there's a third option worth including if you want a fully free, multi-currency, Arabic-capable alternative.
About the competitor
Splitwise and Tricount look identical at first glance — they both split expenses in a group and calculate who owes whom. The differences show up in three places: the free tier's limits, the multi-currency behaviour, and how each handles non-Western languages. Below is the full apples-to-apples table.
- In business since: Splitwise 2011 (US) · Tricount 2010 (Belgium, now bunq)
- Users: Splitwise ~10 M · Tricount ~21 M
- Pricing: Splitwise Pro ~$3/mo · Tricount Premium ~€29.99/yr
Side-by-side comparison
| Feature | Ajinthasbo | Splitwise & Tricount |
|---|---|---|
| Origin | Ajinthasbo — Morocco (2026), independent | Splitwise — US (2011), independent · Tricount — Belgium (2010), owned by bunq bank |
| Free-tier daily expense cap | None — unlimited | Splitwise: 3 expenses/day · Tricount: unlimited |
| Multi-currency (live FX) | Free, live rate at entry | Splitwise: paid · Tricount: paid |
| Receipt photos | Free, unlimited | Splitwise: paid · Tricount: paid past a few |
| Languages supported natively | 8 (incl. Arabic RTL) | Splitwise ~10 (Arabic basic) · Tricount ~15 (Arabic partial) |
| Offline mode | Full | Splitwise: partial · Tricount: partial |
| Ads in free tier | None inside app | Splitwise: yes · Tricount: yes (removed with Premium) |
| CSV / PDF export | Free | Splitwise: paid · Tricount: paid |
| Data region | EU-West | Splitwise: US · Tricount: EU (Netherlands via bunq) |
| Group-chat inside app | Yes | Splitwise: yes · Tricount: partial |
| Simplify debts algorithm | Yes (identical output to both) | Yes · Yes |
| Native MAD (Moroccan Dirham) UI | Yes | Both: as one of many currencies, not native |
The honest verdict
Splitwise vs Tricount is a coin flip if you're staying on the free tier: both work, both have annoyances. Tricount is nicer for European users (multi-language export, better group UX). Splitwise is nicer if you'll upgrade to Pro. If you specifically need multi-currency-without-paying, or Arabic RTL, or a fully offline flow — the third option (Ajinthasbo) covers those without a subscription.
Where Ajinthasbo is genuinely different
Everything both premiums do, for free
The features that push people to Splitwise Pro (receipt scanning, currency conversion, ad-free) and to Tricount Premium (unlimited photos, multi-currency, export) are all free in Ajinthasbo, forever.
Real Arabic + North African market fit
MAD is a native currency, not a dropdown option. The Arabic UI is RTL-correct with proper Cairo typography. The app understands North African group-money patterns (family pooling, colocation, tontines) that Splitwise/Tricount don't model.
Live-FX at entry, not at settlement
You expense in EUR, group's base is MAD — the rate is captured at the moment of entry and stored with the expense. Both Splitwise Pro and Tricount Premium do FX at settlement, which produces different totals if rates move between entry and payout.
Independent, EU-hosted, no bank owner
Splitwise is Silicon Valley-owned; Tricount is bank-owned (bunq). Ajinthasbo is an independent Moroccan operation with EU-West data residency (Firebase Belgium).
Switching from Splitwise & Tricount: You don't have to migrate — Ajinthasbo installs alongside Splitwise or Tricount. Start a new group in Ajinthasbo for your next trip or shared house, keep old data where it lives. Once you're comfortable, you can pull outstanding balances across manually. Direct import is on the roadmap.
Try Ajinthasbo — free, no signup wall
Download the app, create a group, invite the others. No credit card, no premium tier to hit later. Available on iOS and Android.
Download the appFrequently asked questions
So which is best — Splitwise or Tricount?
It depends on where you live and whether you'll pay. Tricount edges out for European users on the free tier because it has no daily expense cap. Splitwise is nicer if you upgrade to Pro (the receipt scanner is polished). If you want a free, feature-complete, multi-language option, Ajinthasbo covers what both premiums do, without a subscription.
Are the settlement calculations different across the three apps?
No. All three use the same debt-simplification algorithm (compute net balances, then find the minimum number of transactions to settle). We tested the same 500-expense group in all three: identical final settlement plans.
Can I use all three in parallel?
Yes. Nothing stops you from having Splitwise for the US road-trip group, Tricount for the Belgian colocation, and Ajinthasbo for the Morocco family trip. They don't talk to each other, but each one holds its own group state cleanly.
What about Splid, Settle Up, or Kittysplit?
Splid is a German-market specialist (strong in DACH). Settle Up is travel-first, works offline but no live FX. Kittysplit is web-only (no mobile app) and has stagnated. For the general worldwide use case, Splitwise, Tricount, and Ajinthasbo are the current serious contenders.