Utility bill splitting app: five apps compared on repeats, shares and bill photos

What should a utility bill splitting app do?

Utility bills are not like a dinner. They come every month from several companies, and most of them change. An app earns its place when it handles four jobs:

• Repeat the fixed bills. Internet and trash cost the same each month, so they should add themselves.
• Split the changing bills by who was home. Electric, gas and water follow days or usage, which calls for a split by shares, not an equal split.
• Keep the bill with the expense. A photo of the statement ends an argument about the amount faster than anyone’s memory.
• Remind whoever has not paid. The person who fronted the bill is the one doing the chasing.

Say a house of four gets five bills a month: electric, gas, water, internet at $72.00 and trash at $38.00. Typed by hand, that is 60 entries a year. If the two fixed bills repeat, you type 36 and set up 2 repeats, so the year takes 38 actions instead of 60. The sections below check each app against the four jobs.

How do the five apps compare on price and ads?

The free plans differ in two ways that matter for bills. As of October 2026, EvenOut’s free plan has neither a daily limit nor ads, while Splitwise allows free users 4 expenses a day and Settle Up’s free version has ads.

App	Free plan	Ads	What costs extra
EvenOut	No daily expense limit	None	Pro, for receipt scanning and the assistant: $9.99 a month or $79.99 a year
Splitwise	Up to 4 expenses a day	Its Pro page lists an ad-free experience	Pro removes the 4 a day limit and adds charts, search, receipt scanning and currency conversion, priced by plan, country and promotion
Settle Up	Free to use, with Premium on top	The free version has ads	Its web Premium page lists ad removal, repeats, bill photos, reminders and charts. Individual is $3.49 a month on its website
Tricount	Its website says no daily expense cap	None, per its website	Premium was discontinued
Spliit	Free and open source, no account	None, per its home page	None; donations pay for hosting

Which app repeats a fixed bill and keeps the bill itself?

EvenOut and Splitwise repeat a bill on the free plan, Spliit lists repeats as a Beta feature, Settle Up lists both repeats and receipt photos under Premium, and Tricount’s own page says to add each bill by hand.

App	Repeats a fixed bill	Keeps the bill
EvenOut	Weekly, Monthly or Yearly, free	One photo per expense, free
Splitwise	Weekly, fortnightly, monthly or yearly, free	Image or PDF attachment, 2MB or less
Settle Up	Recurring transactions, a Premium item	Add receipt photos, a Premium item
Tricount	Add each bill by hand, per its own comparison page	Photos attach to expenses
Spliit	Daily, weekly or monthly, marked Beta	Receipt images

Look at the intervals before you rely on a repeat. EvenOut offers weekly, monthly or yearly, and Splitwise offers weekly, fortnightly, monthly or yearly. Neither has an every-two-months option, so a water bill that arrives every other month is added by hand in both.

EvenOut

EvenOut has no daily expense limit on its free plan and no ads. Make a group with the Household type (“Rent and bills”) and tag each bill with the built-in Utilities, Internet or Phone category.

For a fixed bill, open “Photo, repeat, pending or note” on the Add expense screen, choose Repeat and pick Monthly. EvenOut shows the date of the next one and adds each later copy for you with the same payer and split, around 9:00 in your time zone. Managing them is free too: “Repeating expenses” in the group menu lets you pause, resume or stop a repeat when a plan is cancelled.

For a bill that changes, tap Duplicate expense on last month’s entry, then enter the new amount and set the split. A utility deposit can go in as a Pending payment, which stays out of the balances until you confirm the final amount. When someone is slow to pay, “Remind” offers a shared message or an email through EvenOut, once a day per person. A roommate who has not joined can be a guest, and you track their share until they claim it.

Search works offline inside a group by name, category or amount, which finds last winter’s gas bill. Spending charts by category and over time are free as well. Pro is not needed for any of this. EvenOut vs Splitwise has the full side-by-side.

Splitwise

As of October 2026, free accounts can add up to 4 expenses each day, and Pro removes the limit. A house that sits down once a month and types in five bills hits it: four go in and the fifth waits for the daily reset, or a friend adds it as paid by you.

Recurring bills are free and repeat weekly, fortnightly, monthly or yearly, with an optional email reminder. Only the web app lists all of them in one place. Splitting by shares is free as well. Charts and expense search are Pro items.

Splitwise states it has no group admins or special permissions, so anyone in the group can edit or delete any bill. In EvenOut the group owner can set “Who can edit” to “Only their own”, so people change only what they added or paid for.

Settle Up

As of October 2026, the free version has ads, and Premium removes them. Its web Premium page lists recurring transactions, future transactions, receipt photos, “Remind friends to pay” and charts among the Premium items, so repeats, bill photos and reminders are all paid items on that page.

Individual Premium is described as “For you in every group” and is $3.49 a month or $18.99 billed yearly on its website. Group Premium is “For every member in one group” and is bought once per group, not as a subscription. On its website, a year of Group Premium is $34.99. Prices differ by where you buy, so confirm at checkout.

Tricount

As of October 2026, Tricount is free, and its Premium plan was discontinued. Its own comparison page says to add each bill manually, so in the five-bill house all 60 entries are typed by hand, against 38 with repeats.

Photos attach to expenses, and a split can be equal or edited per person by share or amount. Splits are accurate to 1 cent, and its FAQ shows 100 euros across 3 people as 33.34 and 33.33. A tricount holds up to 50 people including you.

Spliit and KittySplit

Spliit’s home page reads “No ads. No account. Open Source. Forever Free.” It splits by percentage, shares or amount, lists recurring expenses (marked Beta) and attaches receipt images. A group is shared by link, and anyone with the link can read and change it. The author lists “No notifications” among the trade-offs.

As of October 2026, KittySplit needs no account. A free Kitty holds up to 9 people and splits equally, by shares, by percentage or by fixed amounts. Super Kitty costs 2.99 euros once per group, takes up to 100 people and adds receipt and photo attachments.

What does a month of changing bills look like?

Fixed bills run on their own, and the changing ones are entered each month. In EvenOut, say the electric bill is $135.00 and four people were home for 31, 31, 20 and 8 days. That is 90 person-days.

1. Tap Duplicate expense on last month’s electric bill, or add the bill new.
2. Type the new amount, $135.00, and add a photo of the statement under “Photo, repeat, pending or note”.
3. Pick Shares and enter the days: 31, 31, 20 and 8. One share costs $1.50.
4. Read each person’s dollar amount under their name: $46.50, $46.50, $30.00 and $12.00, which add up to $135.00.

If the first person paid the bill, the other three owe $88.50 between them. A bill that does not divide evenly still works: a $71.45 gas bill across 4 people leaves a cent over, so three people pay $17.86 and one pays $17.87, because EvenOut shares the leftover cent out instead of dropping it.

For other ways to divide the same bill, four ways to split utilities runs one month through each. Splitting a water bill by who is home uses the same days-present idea.

Which app fits which house?

Pick by the bill that takes the most work.

• Mostly changing bills, and you want a free app with no daily cap: EvenOut. Duplicate expense copies last month’s entry and a split by shares handles the days. Tricount has no daily cap either, but its own page says to add each bill manually, which is 22 more entries a year in the five-bill house.
• Fixed bills you want to run on their own, free: EvenOut. A monthly repeat adds each bill with the same payer and split, and pausing or stopping it is free. Splitwise repeats bills free too, but its free plan allows 4 expenses a day. The monthly bills roundup compares the repeat options of nine apps.
• A bill photo on every entry, free: EvenOut attaches one photo per expense, and Tricount and Spliit attach photos too. Splitwise takes an image or PDF up to 2MB, while Settle Up and KittySplit list photos as a paid item.
• No account for anyone: Spliit or KittySplit, with the open link trade-off for Spliit.

Whichever you pick, track recurring bills explains how to sort fixed bills from changing ones.

What EvenOut does not do for utilities

EvenOut attaches one photo, not a PDF, so an e-bill has to be a screenshot or photo. A repeat is weekly, monthly or yearly with no end date and no custom interval, so a bill that comes every two months is added by hand, and setting up a repeat needs a connection.