Apps for splitting bills

ALL IN allows you to split costs and pay back in one app. But here's a look at how it compares to some of the leading alternative options out there.

Or, if you want to try the ALL IN bill splitting for yourself, click here

Top five cost splitting apps 2022

Splitting the cost of bills has always been an end of evening inconvenience, calculating who owes what and collecting money from each party.  Since fewer people carry cash these days, paying as a group has been even more awkward…until the invention of the app.  Cost splitting apps let you divide up the cost for everything from group dinners to trips and holidays so everyone can pay their fair share.  The best cost splitting apps give you the chance to connect a credit/debit card or another peer-to-peer payment platform, making it much easier for everyone to cover their share of the expense instantly, right down to the penny.  Some don’t allow for payments but will track what you owe instead, removing awkward conversations about who needs to pay for what.

Here at ALL IN we are working towards creating the best group cost splitting application we can possible.  But, just so we’re being fair about it we wanted to compare ALL IN with other popular offerings on the market for you to consider.


ALL IN is our solution to planning your group events, tracking any expenses and splitting the costs at the end of it all. The cost splitting is quick and easy, giving you the choice to split between everyone who attended the event or picking sub groups you’ve split your costs with.  Payments can be dealt with in-app, split evenly with any member of the group able to manually enter their costs and make changes too.

Settle up
Manage group costs

Within the app simply create a profile, add friends, and create events for your groups.  From there chat without all the key information from an event getting lost in the thread as can happen with Messenger, WhatsApp and other social platforms.  You can also build events and invite people via the share button.  This allows you to send links to whoever you want and add your availability using opt-in/opt-out buttons.

If you’re arranging an event, your friends can vote to find the best date.  You can cap the number of attendees and leverage waiting list management with green, amber, red signifying who is in/out or a maybe.  It’s all designed to make the old stressful days of anyone acting as an events planner a lot simpler!  Using ALL IN within your business, family and friends will streamline and optimise your social life as you chat, plan events, split your costs and settle up ALL IN one app.

You can try the full app through the store links below.  If you’re looking to skip the downloads and try a quick online bill splitter you can try ours out here.


Costs with friends


Splitwise is one of the most widely used applications to track lending and debts between friends, families and groups.  Loved by travellers, backpackers and housemates, Splitwise makes life easy when it comes to divvying up expenses at the end of a trip. It will do the maths when sorting bills between large groups and calculate the costs down to the simplest form to make final payments easy peasy.

Splitwise tracks your spending and IOUs and gives you the chance to send a reminder at the end of the month to anyone who owes you cash. The app itself doesn’t handle payments so the settling up process is down to you.  This means you may have to check details back and forth with banking apps or other service providers during transactions.

Plates by Splitwise

Plates is Splitwise’s solution to cost splitting apps for fine dining. It offers a graphic and stylish representation of everyone’s dining plates around a virtual table.  You enter each meal, and its costs, into the app by dragging and dropping what you had onto your plate.  The Plates app keeps track, splitting the total cost as you go.

Within Plates you can split the bill as you like using its multi-function calculator. Choose your mains, split the rest, or just the drinks with one click. Dragging another’s plate onto yours adds your partner’s costs to your own making this cost splitting app great fun for dining out with anyone and everyone. No mental maths is needed.

Settle Up

Settle Up is great for splitting costs multiple ways and was made to handle many different payment scenarios within groups. You can split payments evenly or select individual amounts then share using a link through messages, by email, or through the app.

Within Settle Up bills are saved in the app for everyone to see and you can attach photographs of the receipts too. The Android app does include ads which can be removed for a small cost.  On iOS there is no free version.  After paying an upfront cost it can work fully offline which comes in handy in remote situations.


Tab may make the cost splitting after dinner more streamlined than Plates, that’s up to personal opinion, but Tab comes across as a great way to pay as a group.  Once your table receives the bill, grab your phone, take a photo and the app will read the items and the prices alongside them.  Tab adds tips and tax proportionally and from here you can allocate items to individuals on one mobile or join the bill from another phone.

Attaching multiple phones to the group bill will speed up the process and make settling the bill quick and easy.  Each person will get an itemised total to settle within the app either using Venmo or manually checking that it has been paid via another service provider. 


To finish, we’ve picked our three favourites, starting with Tab.  Its bill scanning function is likely to improve your dinner out with family by making splitting the bills fast and accurate without leaving a bad taste in everyone’s mouth.  Then there’s Splitwise, with its multi-faceted cost splitting calculator when going out with friends, making what everyone owes each other clear and simple. 

I think that all these apps have great uses for different reasons.  If you had to pick one ALL IN would be a top choice because of the comprehensive proposition it gives when organising events with friends. It not only splits your costs for you and allows you to pay what you owe through the app via secure and quick Open Banking payment services.  ALL IN also organises your events, lets you chat in-app throughout the activity and is all round easy to use.