Best expense splitting apps for couples in 2027

What should a couples expense app do?

A couples app should run without a daily cap, let one partner start before the other signs up, repeat monthly rent, and split by percent when incomes differ. A pair usually logs fewer expenses than a house, so a cap matters less, but it still matters on catch-up days.

Say a couple logs 25 shared expenses a month, which is under one a day. After a weekend away, entering 12 receipts at 4 a day takes 3 days on a plan with a daily cap. The other checks matter more for a pair: whether the app works one on one without a group, and whether it keeps a single running balance, so a month of rent, groceries and bills ends in one payment.

How do the seven apps compare?

EvenOut’s free plan has no daily expense limit and no ads, while Splitwise’s free plan allows 4 expenses a day. Prices and limits are as of October 2026.

App	Free plan	What costs extra
EvenOut	No daily expense limit, no ads. Charts, search, repeating expenses and the Splitwise import are free	Pro (receipt scanning and the assistant): $9.99 a month or $79.99 a year
Splitwise	4 expenses a day	Pro removes the cap and lists charts and search. Duo plan, billed yearly, covers two people; price varies by country and date
Splid	Free, with in-app purchases	Excel export needs an in-app purchase
Tricount	“No ads or daily expense cap” (home page)	Premium was discontinued
Settle Up	Free version has ads	Premium removes ads. Group Premium on its website: $34.99 for a year or $134.99 for life
Spliit	Free, no ads, no account	None, funded by donations
KittySplit	Free Kitty for up to 9 people	Super Kitty, €2.99 once per group

EvenOut sets a pair up as a friend with no group and repeats rent monthly on the free plan. Settle Up lists recurring transactions under Premium, and Tricount adds each bill by hand.

App	How a pair is set up	Repeating monthly bills	Partner’s account
EvenOut	A friend, no group needed: one page, one balance	Monthly repeat, free, same payer and split	Needed
Splitwise	A friend or a group	Weekly, fortnightly, monthly or yearly	Can be added by email or phone before they accept
Splid	A group	Not listed	No sign-up
Tricount	A shared tricount	Each bill added manually	Joins by link
Settle Up	A group	Premium	Invite by link or QR code
Spliit	A group	Daily, weekly or monthly (Beta)	No account
KittySplit	A Kitty	Not listed	No account

EvenOut

EvenOut has a Friends tab for exactly this case: you connect with your partner by code or link, and the expenses you add between the two of you live on one friend page with a single balance (“Dan owes you $X”). There is no group to create. When some money is also tied to a shared group, “Where it comes from” lists each place.

The free plan has no daily expense limit and no ads. A monthly repeat adds rent each month with the same payer and split, and the five split methods (equally, exact amounts, percent, shares and by item) are chosen per expense. Spending charts for a friend show where your shared money goes, and search, which works offline, matches descriptions, categories, names and amounts. “Remind Sam” goes by email or a shared message, once a day at most, and App Lock is an opt-in privacy lock. “Pending payment” keeps a hotel hold or a reservation deposit out of balances until the final charge is known, and “Settle up” from a friend’s page records the full balance where it lives. Receipt scanning and the assistant are the only paid features, at $9.99 a month or $79.99 a year. See EvenOut vs Splitwise for the full list.

Splitwise

The free plan stops at 4 expenses each day as of October 2026, and Pro removes the cap. Splitwise sells a yearly “Duo + Trip Pass” plan that covers two people: the buyer adds the second person. Every plan includes every Pro feature, and the yearly plans include one Trip Pass that grants Pro to the members of a trip group for 30 days. Its terms say the price varies by subscription date, country, local taxes and promotions.

Recurring expenses, simplify debts and offline mode are on its free list. Is Splitwise good for couples goes through setup and limits.

Splid

Splid calls itself free and asks for no sign-up. A group stays on your phone unless you share it online, and sharing uses an access code, so a partner can join later or never. It works offline, handles unequal splits and several payers, and converts currencies automatically.

Excel export costs extra as an in-app purchase. EvenOut vs Splid compares the rest.

Tricount

Tricount advertises itself on its home page as “Free. No ads. No limits.” A partner joins by tapping a link, expenses can be added without a signal, and a tricount splits equally, by amount or by custom shares. It converts other currencies at the market rate and lists a Splitwise importer.

Its comparison page tells you to add each recurring bill by hand. Premium was discontinued and CSV and PDF export were removed, and the FAQ says to email support@bunq.com for an export. The app belongs to bunq B.V. See EvenOut vs Tricount.

Settle Up

Settle Up’s free version has ads, and Premium removes them. The free list includes offline use, several payers and invites by link or QR code. Its Premium page lists recurring transactions and “Remind friends to pay”.

Individual Premium is $3.49 a month or $18.99 billed yearly on its website. Group Premium is a one-time purchase that covers every member of one group, so one purchase covers a couple. On the website it is $34.99 for a year or $134.99 for life. Settle Up shows different prices in different places, so check the one at checkout. EvenOut vs Settle Up has the rest.

Spliit

Spliit’s home page promises “No ads. No account. Open Source. Forever Free.” It splits by percentage, shares or amount, and lists recurring expenses as a Beta feature. Its author lists no notifications and no friends feature as trade-offs.

KittySplit

A free Kitty holds up to 9 people, and nobody needs an account. Super Kitty is a single €2.99 payment per group, not a subscription, and adds currency conversion, default shares, receipt attachments and per-category insights.

How do couples split by income in these apps?

Take-home pay of $5,400 and $3,600 is 60% and 40% of $9,000. On $3,000 of shared costs (rent $2,100, groceries $600, utilities $300), that is $1,800 for one partner and $1,200 for the other, not $1,500 each.

Now put real payments in. Alex pays the $2,100 rent, and Sam pays the $900 of groceries and utilities. Alex should carry $1,800 and paid $2,100, so Alex is owed $300. Sam should carry $1,200 and paid $900, so Sam owes $300. A running balance shows that one $300 figure instead of two transfers. In EvenOut, set each expense to By percent at 60 and 40, and each person’s dollar share shows under the name. The income split calculator does the percentages, and should couples split bills 50/50 covers the fairness question.

Which app fits which couple?

EvenOut fits most couples: one balance with no group, rent that repeats each month, and no daily expense limit or ads on the free plan. The other situations:

• Moving from Splitwise. EvenOut’s Splitwise import is free and restores every balance, so a couple moving over keeps what they owe. How to split bills as a couple explains the routine.
• A trip with friends. An EvenOut group holds up to 200 people, can have dates, and can include guests who are not on EvenOut yet.
• A partner who will not sign up. Track them as a guest in an EvenOut group, or use Splid, Spliit or KittySplit, which need no account.

If your real question is a monthly budget, see best budget apps for couples, because a splitter does not budget.

What EvenOut does not do for couples

EvenOut has no data export, converts no currencies (each expense keeps its own currency and balance), records payments without sending money, and needs an account for both partners.