Best Bill Splitting Apps

Splitwise is the one-stop shop of bill splitting apps

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Bill splitting apps help you and your friends track, split, and pay shared expenses all in one place. They allow you to upload expenses, split items across multiple users, and track who owes money to whom, making them a great financial tool for everything from group dinners to family vacations to shared living situations.

The best bill splitting apps include advanced features like the ability to upload receipts or cover more advanced bill splitting—like when one couple at the dinner table wants to pay together, or when you agree to go 25/75 instead of 50/50 on a bill. Once all your expenses are uploaded, you'll have the option to either settle up outside of the app or pay each other directly in the app.

Best Bill Splitting Apps of 2021

Best Overall : Splitwise


Splitwise

Splitwise

  • No limit on how many users per split
  • Free; Splitwise Pro costs $2.99 per month or $29.99 per year
  • iOS, Android, and web-based
Why We Chose It

Splitwise provides the best balance between functionality and ease of use, and it's versatile enough to use in just about any situation whether you're splitting bills with a roommate, dining out in a large group, or going on a trip with friends. You can customize the way expenses are split and have the app do all the math for you, plus the Pro version includes handy features, making it our best overall.

Pros & Cons
Pros
  • Split expenses equally, by percentage, or by shares

  • Create multiple groups and add unlimited users

  • Integrates with Venmo and PayPal

Cons
  • Ads in free version

  • No receipt uploads in free version

  • No detailed breakdown of charges

Overview

Thanks to its user-friendliness, versatility, and the long list of features included in the free version, this app takes the cake for overall best bill splitting apps. Since its founding in 2011, the popular app has registered tens of millions of users and helped them split around $90 billion in expenses. User reviews for the app are overwhelmingly positive, and customer service is responsive when issues arise. 

Once you download the app, you can create groups for people you share expenses with, add your various expenses to the group, and then split each item equally across multiple users, by exact amounts, by shares, or by percentage. When it's time to settle up with your group, you can do so directly in the app through integrations with PayPal and Venmo.

If you're willing to pay for the Pro version, which is $2.99 per month or $29.99 per year, you'll get the ability to scan receipts and itemized expenses. Most users will be fine with the free version, but folks who split expenses often and want to get a little more serious about money management might benefit from upgrading.

Best for Roomates : Splittr


Splittr

Splittr

  • No limit on how many users per split
  • Free; premium version costs $0.99 per month, $3.49 per year, or $10.99 for a lifetime pass
  • iOS and Android
Why We Chose It

Splittr is a simple, straightforward bill splitting app that makes splitting bills and other housing expenses easy. If you're splitting expenses equally, the free version offers plenty of functionality without weighing users down by including features you don't need. That said, if you want extras like advanced splitting or currency conversion, you can unlock these features temporarily by watching ads.

Pros & Cons
Pros
  • Add unlimited group members and expenses

  • Unlock premium features temporarily by watching ads

  • No registration required

Cons
  • No receipt uploads

  • No in-app payment integration

  • Advanced splitting only available with premium

Overview

Splittr wins best bill splitting app for roommates because it's easy to get started without even registering (meaning you don't have to round up all your roommates and pester them to complete a lengthy registration process). Plus. you can add an unlimited number of group members and expenses. The app's stripped-down interface makes it easy for anyone to use, although functionality is limited if you don't upgrade.

If you're just splitting bills and household purchases equally, the free version makes the list of best bill splitting apps. You can add unlimited members to each group, and when you go to add an expense, the app automatically splits it evenly and updates everyone's balance owed. If you and your housemates like to take turns paying for household expenses, you can click on the "members" tab of your group to see who owes the least and make it their turn to pay for the next expense.

The free version only lets you split expenses equally. However, the premium version is fairly affordable—you can get it for just $0.99 per month, $3.49 per year, or $10.99 for lifetime access. Plus, if you need to access premium features like advanced splitting (to split an expense by percent or dollar amount) or currency conversion, you can watch an ad to unlock them one time, so an upgrade might not even be necessary.

You can't settle up directly through the app, and Venmo isn't an option that's included. Instead, you can click and see members' bank details for a wire transfer or their PayPal address. From there, you can send payments outside the app and then mark them as settled. If you're using the app with roommates, it should be easy to settle outside of the app with cash or Venmo.

Best for Splitting Restaurant Bills : Tab


Tab App

Tab App

  • No limit on how many users per split
  • Free
  • iOS and Android
Why We Chose It

Tab was specifically created to help you split the bill at restaurants without making your waiter (or the person in your group who's good at math) do all the work. It's one of the few free bill splitting apps that includes receipt uploads, making it easy to split a dinner bill by simply tapping the items you ordered and adding them to your own bill.

Pros & Cons
Pros
  • Receipt uploads with automatic price detection

  • Easily split items equally

  • Integrates with Venmo

Cons
  • Can't upload existing photos in your camera roll

  • Advanced splitting is tricky

  • No PayPal option

Overview

Tab is completely free, simple to use, and includes all the features you need to split your dinner bill amongst a group of people on the spot, making it the best bill splitting app for restaurant bills. All you have to do is take a photo of your itemized receipt, and the app will do most of the work for you.

Once you upload your receipt, the app automatically detects each item and its price. You won't be able to upload existing photos though, so if you have an old receipt photo already in your camera roll or a photo a friend sent you, you'll have to enter that manually. Each member of your group can then go into the uploaded receipt and tap the items they ordered to claim them. If multiple people shared one plate, like an appetizer, it can be split between them.

Tab is also integrated with Venmo so it's easy to settle up directly through the app, although there's no option to pay with PayPal through the app.

Best for Couples : Settle Up


Settle Up

 Settle Up

  • No limit on how many users per split
  • Free; premium version costs $0.99 per month or $10.99 per year
  • iOS, Android, and Microsoft
Why We Chose It

Combining finances with a partner often means dividing up a lot more than just rent, bills, and the occasional household item. It also means planning for the future—and that can get complicated. Settle Up is packed to the brim with extra features and budgeting help, which makes it best for ongoing and complex situations like splitting finances with your significant other.

Pros & Cons
Pros
  • Automatically calculates balance owed and minimizes transactions

  • Advanced splitting included in free version

  • Free trial for premium and option to purchase once for one group

Cons
  • Receipt uploads only available in premium

  • Users have to register with an email, Facebook, or Google account

  • No PayPal option

Overview

Settle Up's combination of solid basic features with helpful extras like budgeting tools and free advanced splitting makes it best for couples who want to take combining finances to the next level. If you and your significant other end up splitting expenses with other people (like on a group trip), you can even create one member for the both of you in the group and give that member the default weight of two.

Settle Up does everything you need, allowing you to create groups, upload expenses, and split them across unlimited users, automatically updating each member's balance owed and minimizing transactions between users. The free version allows you to split transactions equally, by amounts, or by shares.

If you're just splitting expenses with a significant other and want to do some heavier budgeting work, it might be smart to purchase the premium version. It only costs $0.99 per month or $10.99 a year. Instead of having everyone in your group pay for a lifetime membership, you can also purchase "Group Premium" with a one-time payment of $19.99. This will let you have premium features for one group, which is all you need if you're using this for couples budgeting. Upgrading will get you receipt uploads, expense categories, recurring transactions, and color-coding.

Best for Students : Cash App


Square Cash

 Square Cash

  • No in-app expense splitting
  • Free
  • iOS and Android
Why We Chose It

Although Cash App is more of a regular payments app than a bill splitting app, the ease of use and the app's popularity among younger folks make it one of the best bill splitting apps for students. You can send cash requests to your roommates when it's time to pay the bills and then cash out your balance or load up your free Cash Card.

Pros & Cons
Pros
  • Request and send money instantly

  • Payments are free with a linked bank account or debit card

  • Receive your paycheck up to two days early

  • Option to open free Cash Card

  • Invest in stocks and pay with bitcoin

Cons
  • No bill splitting

  • No expense tracking

  • No receipt uploads

  • Participants must download app

Overview

Cash App's widespread use amongst young adults and the ability to quickly send and receive fee-free payments between you and your friends make it the best bill splitting app for students. You won't get all the bells and whistles that you would with a bill splitting app, but it's one of the easiest and fastest payment apps. Simply send or request money instantly using someone's "$cashtag" or QR code. Thanks to the app's ease of use and popularity, chances are good your roommates and friends already have an account. 

The app also has some unique features that are good for students just getting started on their financial journey. For example, you can set up your paychecks and other direct deposits to be deposited into your Cash App account, and the money will show up in your account up to two days early. You can also open a free Cash Card, the app's debit card, and use your Cash App balance to pay online or in stores. The card will get you discounts with select merchants.

If you're ready to dip your toes into the world of investing or cryptocurrency, the app will let you buy bitcoin with a few taps of a button or invest in stocks with as little as $1.

Best for iOS : Plates by Splitwise


Plates by Splitwise

Courtesy of Plates by Splitwise

  • Split with up to 10 people
  • Free
  • iOS
Why We Chose It

Designed specifically for dining out, splitting up the tab has never been easier than it is with Plates by Splitwise. The app integrates with Splitwise, and the two combined make for the best bill splitting app for iOS.

Pros & Cons
Pros
  • Visual layout is very user-friendly

  • Split shared items

  • Adds proportional tax and tip

  • Integrates with Splitwise

Cons
  • Maximum of 10 people per bill

  • No custom tip amount

  • Irregular app updates

  • No splitting by shares or dollar amount

Overview

Plates by Splitwise is iOS only, but Apple fans are in luck—it has a bit of a cult following from iPhone users who rave about the app's ease and utility, making it the best bill splitting app for iOS users. Plates by Splitwise makes splitting meals as easy as possible, and you can integrate it with Splitwise to split your other expenses.

The visual layout of this app makes it incredibly easy to use. Simply specify the number of diners and the app will give everyone their own "plate." You can then drag each item ordered onto the plate of whoever ordered it. For shared plates like appetizers, you can easily split them across multiple plates. The app even lets you "stack plates" when two diners want to pay as one. At the end, the app will calculate the proportional tip and taxes for each group member.

It's worth noting that some users have mentioned the app developers are no longer providing regular updates for Plates by Splitwise. That said, the app is still working well and has excellent reviews in the App Store.

Best for Android : Venmo


Venmo

 Venmo

  • No in-app expense splitting
  • Free
  • iOS and Android
Why We Chose It

Venmo is one of the most widely used payment apps, making it easy to send and receive money instantly between you and your friends and family. Venmo is even accepted as a payment option by plenty of businesses, and you can transfer money for free with a linked bank account or debit card.

Pros & Cons
Pros
  • Free to send and receive money

  • Free transfers to bank account

  • Accepted by some merchants as payment option

  • Option to open free Venmo debit card

Cons
  • No bill splitting in app

  • No receipt uploads

  • No expense tracking

  • Payments show as public by default

Overview

Android users love Venmo—one of the most popular payment apps in the Google Play store—for its convenience, ease, and widespread use. Now owned by PayPal, Venmo has been in the payment app game since 2009 and has 60 million users. It gained popularity by being one of the first payment apps to implement a social media-type feed. Payments are public by default, which might concern some users, but you can always set your payments to "friends only" and "private."

You can easily and instantly send or request money from someone using their unique Venmo tag or QR code. It's free to send money from your Venmo balance, a linked bank account, or a debit card. If you want to send money from a credit card, you'll have to pay a 3% fee, which is fairly standard. Transferring money from your Venmo account to your bank account is free if you're willing to wait one to three business days.

There's also the option to open a free Venmo debit card if you want to access your money instantly and easily. It's a Mastercard, so it'll be accepted pretty much anywhere that accepts debit cards, and you'll even earn some cash back.

Read our full Venmo review.

Best for Receipt Uploads : Snap & Split Bill


Snap & Split Bill

Snap & Split Bill

  • No limit on how many users per split
  • Free; premium version costs $8.99 per year or $19.99 for a lifetime
  • Android
Why We Chose It

The Snap & Split Bill app is centered around just that—snapping a photo of your receipts and splitting them up across groups of people. It's a bare-bones app with a premium version that's perfect if you just want to be able to upload and split receipts without entering transactions manually.

Pros & Cons
Pros
  • Receipt uploads

  • Automatically reads receipts

  • Split items between multiple people

  • Itemized individual receipts

Cons
  • Must pay for premium to share the split receipt

  • No in-app payment integrations

  • Can't load receipt photos from gallery in free version

  • Ads in free version

Overview

This Android app does one thing, but it does it well—it lets you take and upload receipt photos, automatically populating item descriptions and prices for you. This makes it the best bill splitting app for receipt uploads. You can easily assign each item to a person in your group or split items across multiple people.

Once you're done assigning items, the app will create a new "receipt" for each person in the group that details their total owed, how much they've paid and how much they have left to pay, as well as an itemized list of what's included in their share. Unfortunately, you can't settle up directly through the app, but you can go in and edit the amounts paid.

You will need to pay for the premium version if you want to be able to share the split bill with the other people in your group, and that costs $8.99 per year or $19.99 for a lifetime subscription. Along with that feature, premium also provides you a saved history, the ability to load photos from your camera roll, and gets rid of ads.

Final Verdict

Most bill splitting apps tend to do one or two things really well, but Splitwise does it all—especially if you're willing to pay for the Pro version. No other bill splitting app is as packed with features, versatility, and the capability of handling complex and ongoing bill splitting situations as Splitwise, which is why it's at the top of the list.

While it's costlier to go Pro with Splitwise than other bill splitting apps with premium versions, the free version of Splitwise will be plenty functional for most users. For example, Splitwise offers more advanced bill splitting options in their free version than any other app. It's also the only app on the list to integrate with both Venmo and PayPal, making settling up directly through the app a breeze.

Compare the Best Bill Splitting Apps

Company Premium Version  Fees  No. Users per Split  Platform  Supports Receipt Upload 
Splitwise Best Overall $2.99 per month, $29.99 per year Free with debit card or linked bank account, 2.9% to 3% with credit card Unlimited iOS, Android, web-based Yes, in Premium
Splittr Best for Roommates  $0.99 per month, $3.49 per year, $10.99 lifetime  No in-app payment integration  Unlimited  iOS, Android  No 
Tab Best for Splitting Restaurant Bills  N/A  Free with debit card or linked bank account, 3% with credit card  Unlimited  iOS, Android  Yes 
Settle Up Best for Couples  $0.99per month, $10.99 per lifetime  No in-app payment integration  Unlimited  iOS, Android, Microsoft  Yes, in Premium 
Cash App Best for Students  N/A  Free with cash app balance, debit card or linked bank account, 3% with credit card  No splitting in app   iOS, Android  No 
Plates by Splitwise Best for iOS  N/A  No in-app payment integration  Up to 10  iOS  No 
Venmo Best for Android  N/A  Free with Venmo balance, debit card, or linked bank account, 3% with credit card  No splitting in app  iOS, Android  No 
Snap & Split Bill Best for Receipt Uploads  $8.99 per year, $19.99 lifetime  No in-app payment integration  Unlimited  Android  Yes 

How to Choose the Best Bill Splitting App

When choosing a bill splitting app for your needs: 

  • Look for an app that minimizes fees while providing all the features you need.
  • Go with an app that has a free version as long as it has what you need.
  • Make sure the app allows you to add as many users as there are in your group.
  • Look for receipt uploads if you add expenses with many items often.
  • Choose an app with advanced bill splitting options if you prefer to split by exact amounts rather than equally
  • Get an app that lets you request money and send reminders to avoid awkward conversations with friends.

Frequently Asked Questions

How Do Bill Splitting Apps Work?

Bill splitting apps allow you to track group expenses and split them up across multiple users. The best bill splitting apps then automatically calculate who owes how much money and to whom. From there, you can settle up on your own or through the app, depending on the app's payment options.

How Much Does it Cost to Use a Bill Splitting App? 

Most bill splitting apps are free to download and use but many require you to upgrade to a paid version in order to access premium features. These premium versions usually cost anywhere from $0.99 to $2.99 per month, and many offer more affordable yearly and lifetime plans.

Is It Worth Paying For a Bill Splitting App?

Many people will find that the free bill splitting apps offer plenty of functionality for their needs. However, if you have more complex bill splitting needs, want the convenience of advanced features like receipt uploads, or want budgeting features for ongoing situations, a premium bill splitting app might be worth it.

Methodology

To provide a comprehensive analysis, we reviewed over 25 popular bill splitting apps. When comparing different apps, we looked at user reviews as well as the features offered and pricing structure. To narrow down the best options, we assessed the whole process for creating groups, uploading and splitting expenses, and settling up in each app, preferencing apps with a solid free version that balances advanced features with an easy-to-use, visual interface.

Article Sources

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  1. TechCrunch. "Splitwise raises $20M Series A to help everyone in the world divvy expenses." Accessed June 18, 2021.

  2. Apple App Store. "Splitwise - Ratings and Review." Accessed June 18, 2021.