At a glance
| Feature | AA split | Spendee | Wallet by BudgetBakers | Money Lover | Money Manager |
|---|---|---|---|---|---|
| Free plan and paid options | Free, with no subscriptions. Optional prepaid AA credits for more AI help, from S$3 | Free Basic plan. Plus US$14.99 a year; Premium US$5.99 a month or US$35.99 a year. Prices vary by country1 | Free tier for manual tracking. Premium subscription or one-time Lifetime Premium2 | Free with in-app purchases. One-time Premium; Linked Wallets is a paid monthly service3 | Free with in-app purchases. US App Store lists Data Sync at US$2.49 a month or US$19.99 a year; separate full version4 |
| Ads | No ads on any plan | — | — | Ad-free with Premium3 | The full version has no ads4 |
| Entries and accounts | No daily cap on typed entries. Personal spending plus optional shared groups | Free: 1 cash wallet. Plus and Premium: unlimited1 | Manual tracking on the free tier; unlimited accounts with Premium25 | Multiple wallets with Premium3 | Lite version: 10 accounts. Full version: no account limit4 |
| Bank account sync | Not offered; no bank login. The phone app can capture supported payment alerts (Singapore) and Apple Wallet card taps | Premium plan1 | Premium; check whether your bank and country are supported2 | Paid Linked Wallets for banks in the Philippines, Malaysia, Singapore, Hong Kong, Vietnam, Thailand, Indonesia and more3 | — |
| Receipts | Scan and itemize receipts: device OCR with no plan cap, or optional online AI | Add a picture to an expense6 | — | Snap a receipt or screenshot to log it3 | Save a receipt photo with a transaction7 |
| Log by typing a sentence | AA assistant in the app and Telegram drafts expenses for you to confirm | — | — | Type a sentence; AI fills in the amount and category3 | — |
| Multiple currencies | Original amounts kept; daily reference rates with no markup, or your own rate | Supported6 | Supported, with automatic exchange rates2 | Supported, with up-to-date exchange rates8 | Supported; each account can total in a chosen currency4 |
| Sharing and splitting with others | Split bills in groups, track balances and record repayments. Only your share counts as your spending | Shared wallets on Plus and Premium show who paid for what1 | Group Sharing with Premium. Bill splitting is a separate BudgetBakers app, ShareCost29 | — | — |
| Export and import | Free CSV, Excel and PDF exports. Imports group CSVs from Splitwise, Sesterce, Settle Up and Tricount | Import and export of transactions on every plan, including Basic1 | Import CSV, XLS or OFX; Excel and API integrations2 | Export to Google Sheets with Premium3 | Backup and restore by email or iCloud4 |
| Budgeting and investments | Monthly budgets, overall or by category. No investment tracking | Budgeting tools; Basic includes one1 | Budgeting, planned payments and investment tracking2 | Budgeting, savings goals, debts and loans83 | Budgeting, double-entry bookkeeping and asset graphs74 |
| Web and computer access | Web browser and phone app; your account syncs at no charge | — | Web app, iOS and Android2 | — | PC manager over Wi-Fi in the full version4 |
AA split details describe our own app. Other apps are described from their official websites or App Store listings, checked 18 October 2026. A dash means those sources do not say; it does not mean the feature is missing. Prices and features change, so check each app before choosing.
Choose by how you spend
Bank-connected trackers suit people who pay mostly by card and want transactions imported. Manual-first trackers suit people who want control over every entry. AA split adds shared costs: when you cover a group bill, only your share becomes your spending and the rest stays in a balance with the people who owe you.
Where AA split is different
Typed entries are free with no daily cap and no ads. Receipts can be scanned on your device, the assistant drafts expenses from a sentence in the app or Telegram, and groups track balances and repayments. CSV, Excel and PDF exports are free.
Where other trackers go further
Spendee, Wallet and Money Lover offer bank connections on paid plans, and all four include budgeting tools. Wallet tracks investments and net worth, and Money Manager offers double-entry bookkeeping. AA split has monthly budgets but no bank connections, investment tracking or bookkeeping, so choose one of them if those features matter most.
Common questions
Which expense tracker is best if I split bills with friends?
Look for shared balances and a clear view of your own spending. AA split splits group costs, tracks who owes whom and adds only your share to your personal spending, so covering a bill for friends does not count the whole bill as your expense.
Which free expense tracker apps connect to a bank?
Among the apps compared here, Spendee (Premium), Wallet by BudgetBakers (Premium) and Money Lover (paid Linked Wallets) offer bank connections on paid plans. AA split does not connect to banks; it uses typed entries, receipts, chat and supported phone payment alerts.
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