Best Free Expense Splitting Apps in 2026
No ads, no paywalls, no hidden costs. These are the truly free apps for splitting expenses with friends, roommates, and travel groups.
What makes an app truly free?
Many apps claim to be free but show ads, limit features, or push upgrades. A truly free expense splitting app gives every user full access with no strings attached.
1. Nudj
Our pickFree expense tracker with mutual confirmation
Pros
- Completely free, no ads, no premium tier
- Mutual confirmation on every expense
- Poker and game night mode
- Group Circles with minimum settlement
- Installable PWA that works offline
Cons
- No multi-currency support yet
- No in-app payments
2. Splid
Offline first expense splitter
Pros
- Works offline with no account required
- Multi-currency support
- Clean, minimal interface
Cons
- No mutual confirmation
- No game night features
- Limited ongoing balance tracking
3. Tricount
Popular European expense splitter
Pros
- Multi-currency with auto conversion
- No account required to join groups
- Large user base in Europe
Cons
- Freemium model with ads in free tier
- No mutual confirmation
- No poker tracking
4. Settle Up
Feature rich splitter with recurring bills
Pros
- Recurring expense support
- Multi-currency
- Debt simplification
Cons
- Ads in free tier
- No mutual confirmation
- No game night features
What to look for in a free expense app
The best free expense app depends on your group's needs. Here are the features that matter most when choosing one:
- No paywalls: Every feature available to every user.
- No ads: Ads create a worse experience and signal the app may add more restrictions later.
- Mutual confirmation: Prevents one person from adding charges without the other's agreement.
- Minimum settlements: Calculates the fewest payments needed to settle everyone up.
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No ads, no premium tier, no bank connection. Just simple expense tracking between friends.
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