YAAT vs Splitwise vs Tricount
A feature-by-feature comparison of the most popular expense splitting apps in 2026.
YAAT is a free, no-login group expense splitter with AI receipt scanning, 150+ currencies, and itemized bill splitting. Splitwise has been the default for years, but daily expense limits, countdown timers, and a $40/year paywall for receipt scanning have pushed many users to look for alternatives.
YAAT takes a different approach: no limits, no ads, no account required. It works in your browser — nobody has to download anything.
Feature Comparison: YAAT vs Splitwise
| Feature | YAAT | Splitwise |
|---|---|---|
| Pricing | $12 once | $40/yr |
| Daily limits | None | 3–4/day |
| Ads & delays | None | Yes |
| Account required | No | Yes |
| App download | No | Yes |
| Receipt scanning | Free, advanced | Paid, basic |
| Multi-language receipts | Yes | No |
| Currencies | 150+ | 100+ |
| Itemized splitting | Yes | Paid |
| Settlement tracking | Yes | No |
| Data export | Yes | Paid |
| API & MCP | Yes | Limited |
What Splitwise Gets Right
Splitwise has native iOS and Android apps, which means push notifications, offline support, and a polished mobile experience. It integrates with Venmo, PayPal, and Paytm for direct payments. It supports recurring expenses for roommates and household bills. And it has years of brand recognition — most people have heard of it.
Where YAAT is Different
No limits on the free tier
Most expense apps start free and then squeeze you — three expenses a day, ads between each one, a paywall for receipt scanning. YAAT doesn't do that. The free tier has no caps on expense creation and no ads, ever. Gold exists for power users, not as a gate on basic functionality.
Easy as a link in the group chat
The hardest part of group expenses isn't the math — it's getting five people to install the same app. YAAT sidesteps that entirely. Create a group, share the link, done. Everyone can add expenses and check balances from any browser.
Receipt scanning that actually works
Point your phone at a receipt — even one in a foreign language — and YAAT pulls out every line item, figures out tax and tip, and lets you tag who had what.
Other Apps Worth Knowing
Tricount
Popular in Europe, owned by bunq. Dominant in France, Belgium, Netherlands, and Germany. Free and unlimited with no ads, no account required. 10M+ downloads.
Splitser
Dutch market leader with banking integration. 5 million active accounts. Supports 150+ currencies with direct banking payments via iDEAL, Wero, and Bancontact.
Splid
German-origin app that works fully offline. Create groups and track expenses without an internet connection. No signup required for offline groups.
Spliit
Open source and self-hostable. Minimalist, MIT-licensed. Supports equal, unequal, percentage, and shares splitting with multi-currency support.
Lightsplit
AI-first expense splitter available via web, LINE bot, and Telegram bot. Snap a receipt photo and AI auto-detects items, prices, and splits.
Common Questions
How does YAAT's receipt scanning work?
Take a photo and YAAT reads it — any language, any currency. It pulls out each line item so you can tag who ordered what. Quantities, modifiers, tax, and tip are handled automatically.
Can I split expenses in different currencies?
Yes. Mix currencies freely within a group — euros, pounds, baht, whatever. YAAT converts everything using daily-refreshed rates.
Do my friends need to create an account?
No. Share the group link and they're in. No download, no signup.
How much does YAAT cost compared to Splitwise?
Core features are free — forever. YAAT Gold is a one-time $12 upgrade per group for power features like unlimited scans, CSV/XLSX export, and advanced permissions. Splitwise Pro is $2.99–$4.99/month and gates receipt scanning, currency conversion, and itemized splitting.
Does YAAT have a mobile app?
Not yet — YAAT is a web app optimized for mobile browsers. There's nothing to download, which means your group link works instantly on any device.
Does YAAT work offline?
YAAT requires an internet connection. For travel, most groups add expenses at the end of the day when they have wifi.
Can I import my Splitwise groups?
Yes. YAAT supports Splitwise group import so you can bring your existing expense history over.
Does YAAT support recurring expenses?
Not currently. If you split rent or subscriptions, you'd add those manually each period. Recurring expenses are on the roadmap.