Six popular apps, side by side, on the things people ask about most. Each competitor’s entry comes from its own website, store listing or code repository, linked below.
Checked on 1 October 2026. Apps change; if something here is out of date, the linked source is the place to check.
| Feature | Baant | Splitwise | Tricount | Settle Up | Splid | Spliit | Niptao |
|---|---|---|---|---|---|---|---|
| Price | Free, no daily limit | PaidFree plan with a daily expense limit and ads; Pro is paid source | Free, no ads or limits source | Not stated | PaidFree; paid upgrades (Splid Plus, extra groups) source | Free, no ads, open source source | Free, no premium tier source |
| Use in a web browser | Full web app | iPhone, Android and web source | Not stated | Web app source | Not stated | Web first, installable source | Works in your browser source |
| Start without an account | Yes | Not stated | Not stated | Not stated | No sign-up needed source | No account source | Not stated |
| Works offline | Phone and installed web app | Offline mode source | Offline use source | Not stated | Works on and offline source | Not stated | PlannedOffline web app listed as soon source |
| Several currencies with conversion | 155, rate frozen per expense | PaidCurrency conversion in Pro source | Multi-currency source | Not stated | 150+ with automatic conversion source | Not stated | Not stated |
| Card statement or trip rate | Yes | Not stated | Not stated | Not stated | Not stated | Not stated | Not stated |
| UPI payment hand-off | Link and QR code | Not stated | Not stated | Not stated | Not stated | Not stated | Google Pay, PhonePe, Paytm, BHIM, Amazon Pay source |
| Fewest payments | Plus fewest international payments | Simplify debts source | Not stated | Minimises transactions source | Minimal payments source | Reimbursement optimisation source | Debt simplification source |
| Split item by item | With tax, service and tip | PaidItemisation in Pro source | Not stated | Not stated | Not stated | Not stated | Not stated |
| Receipt scanning | On your device | PaidIn Pro source | Not stated | Not stated | Not stated | AI scan source | Not stated |
| Repeating expenses | Yes | Recurring expenses source | Not stated | Not stated | Not stated | Daily, weekly, monthly source | Not stated |
| Search expenses | Across all groups | PaidIn Pro source | Not stated | Not stated | By title source | Search source | Not stated |
| Export | PDF, Excel, CSV, full backup | Not stated | Not stated | Not stated | PaidPDF free; Excel is a paid add-on source | Not stated | Not stated |
| Import from Splitwise | CSV export | Not applicable | Splitwise groups source | Not stated | Not stated | PlannedListed as a possible feature source | Not stated |
| Tamper-evident history | Chained SHA-256 history | Not stated | Not stated | Not stated | Not stated | Not stated | Not stated |
“Not stated” means the app’s own website or listing does not mention it on the date checked. The app may still offer it.
The best known app, on iPhone, Android and the web. Its free plan limits how many expenses you can add each day and shows ads; currency conversion, itemisation, receipt scanning, charts and search are part of the paid Pro plan.
Baant includes all of those in its free plan, adds UPI hand-offs, and imports your Splitwise groups from their CSV export.
Free with no ads or limits, with multi-currency, offline use, payment requests and Splitwise import. It links to bunq’s card for logging card spending automatically.
Not mentioned on its site, and part of Baant: UPI, item-by-item bills, card statement rates, PDF and Excel exports, and a full web app.
Keeps a group’s expenses synced and shows who pays next, with apps for Android and iPhone and a web app.
Not mentioned on its site, and part of Baant: UPI, item-by-item bills, receipt scanning and fewest-international-payment plans for mixed-country groups.
Works offline with no sign-up, supports more than 150 currencies, and exports PDF summaries; Excel export and extra groups are paid add-ons.
Baant offers the same offline, no-account start, in a browser as well as on phones, with Excel export included.
Open source and free, with no account and no ads. Groups are shared by link; it supports recurring expenses, categories, attachments and AI receipt scanning.
Spliit keeps groups in its online database; Baant keeps them on your device. Not mentioned on Spliit’s site, and part of Baant: frozen exchange rates, UPI, item-by-item bills and a tamper-evident history.
Built for Indian flatmates, free, with UPI settlement through Google Pay, PhonePe, Paytm, BHIM and Amazon Pay, four ways to split, receipt photos and geo-tagging. Its site lists offline use as coming soon.
Not mentioned on its site, and part of Baant: 155 currencies with frozen rates, item-by-item bills, repeating expenses and exports. Baant also works offline today.
Splitwise, Tricount, Settle Up, Splid, Spliit and Niptao are trademarks of their owners. Baant is not affiliated with any of them.