SplitPocket vs Splitwise, Tricount and Settle Up.
Whatever you split with today does half the job. SplitPocket does both halves: the money you share and the money you spend on your own. Offline, and without ads.
What's different
Both halves of your money
Every app here splits group costs well. SplitPocket also tracks what you spend alone, with categories, income and monthly reports. One app instead of two.
Works offline, always
It reads from your device and queues what you add. The basement restaurant and the flight home are ordinary conditions, not error screens.
Private by design
No ads, no data selling, no third-party trackers, and nothing feeding your ledger to an AI. Spending data says a lot about a person.
Side by side
Four rows where everyone ties, five where they don't.
| Feature | SplitPocket | Splitwise | Tricount | Settle Up |
|---|---|---|---|---|
| Split equally, by exact amounts, by percentage | Yes | Yes | Yes | Yes |
| Simplified settle-upthe fewest payments that clear every debt | Yes | Yes | Yes | Yes |
| Groups with their own currency | Yes | Yes | Yes | Yes |
| Export your dataCSV, whenever you want it | Yes | Yes | Yes | Yes |
| Your own expenses and income, outside any groupthe other three are built for shared costs only | Yes | No | No | No |
| Monthly category reports for your own moneywhere your own month went, by category | Yes | No | No | No |
| Budgets for your own spending | Yes | No | No | No |
| Works fully offline, syncs laterthe others cache data, and some actions still want a connection | Yes | Partly | Partly | Partly |
| No adsthe others show ads in their free versions | Yes | Partly | Partly | Partly |
Yes yesPartly partly, or with conditionsNo not what the app is for
Splitwise, Tricount and Settle Up are built for shared costs only. Tracking your own spending means a second app. That's the gap SplitPocket was built to close.
What you gain by switching
Whichever you're on today: what's missing, and what replaces it.
Coming from Splitwise
It splits group costs, and that's the whole scope. Your own spending lives somewhere else: a second app, a spreadsheet, or nowhere.
In SplitPocket: Both halves in one ledger, with monthly category reports and budgets on the personal side. No ads in an app that can see your pharmacy bills, and no limit on how much you log.
Coming from Tricount
Built around a single trip. When the trip ends, so does the app's usefulness. The flat, the monthly bills and your own budget need something else.
In SplitPocket: The group you started in Goa still works for rent, the cook and the electricity bill. Recurring expenses log themselves, and you get reports on your own month.
Coming from Settle Up
Group balances, cleanly done, and nothing past them. Adding an expense still expects a connection.
In SplitPocket: Entry that saves at the table and syncs later, your own expenses and income in the same place, and no ads.
Coming from a spreadsheet
Fine for one organiser who enjoys formulas. It stops being fine the moment two people are entering rows, or one expense isn't split by everyone.
In SplitPocket: Splits that reconcile without you checking, partial splits in two taps instead of a formula, and balances everyone watches on their own phone.
Moving over takes ten minutes
Five steps, and you're on one ledger instead of two. Most groups do it between one trip ending and the next being booked.
Settle where you areClose out the group in your old app, so nobody carries a balance across the move.
Export a CSV and keep itYour old history stays readable and yours. Most apps here export it in a couple of taps.
Create the group hereName it, pick the currency, invite the same people. Two minutes.
Add the recurring linesRent, internet, the cook, the subscriptions, with the split you already agreed. They log themselves after that.
Start with the next expenseNot the last one. The first thing anyone buys goes in the new group, and the old app is done.
Questions people actually ask
- Is SplitPocket a Splitwise alternative?
- Yes. It does the same core job (groups, splits by amount or percentage, balances, simplified settle-up) and adds your own expenses, income, monthly reports and budgets in the same app. It also works fully offline and carries no ads.
- How do I move a group over from another app?
- Settle the group where it is, recreate it here with the same people and currency, add your recurring lines, and start with the next expense. About ten minutes. Export a CSV from the old app first if you want to keep the history.
- Does SplitPocket work without a connection?
- Yes. It reads from your device and queues what you add, so an expense entered on a flight or in a basement is saved the moment you tap save and syncs when you're back.
- Does SplitPocket show ads or sell my data?
- No to both. No ads, no data selling, and no third-party analytics or trackers, in the app or on this website.
- Does everyone in a group need an account?
- Yes. That's what lets each person add expenses from their own phone and see the balances move.
- Which currencies are supported?
- Ten, each following the real ISO 4217 rules for decimals, symbol placement and grouping. A group has one currency, and amounts are stored as whole minor units, so every split reconciles exactly.
Still deciding? The blog has a twelve-question checklist you can run against any app in five minutes, this one included.
Stop doing this in a spreadsheet.
Two taps beats a formula, and everyone sees it update.
Feature details for Splitwise, Tricount and Settle Up were checked against their own websites and app-store listings in August 2026. Splitwise, Tricount and Settle Up are trademarks of their respective owners; SplitPocket is not affiliated with, endorsed by, or sponsored by any of them. Spot something out of date? hello@splitpocket.app