The 7 Best Apps for Splitting Bills in 2024 (Ranked & Reviewed)
Compare the top bill-splitting apps and find the perfect one for your needs. We tested them all and ranked them by features, ease of use, and cost.
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🏆 Our Top Pick
Lumera wins our #1 spot for its unique combination of expense tracking AND task management, making it the only app that truly handles all aspects of group coordination.
Why You Need a Bill-Splitting App in 2024
Gone are the days of IOU notes and awkward money conversations. Modern bill-splitting apps have revolutionized how we handle shared expenses, making it possible to split everything from rent to coffee runs with just a few taps.
But with so many options available, how do you choose the right one? We've tested the top 7 apps and ranked them based on ease of use, features, cost, and real-world performance.
📊 Our Testing Methodology
We spent 3 months testing these apps with real groups (roommates, travel buddies, and event organizers) to evaluate:
- Setup time and learning curve
- Feature completeness and usefulness
- User interface and mobile experience
- Cost and hidden fees
- Customer support quality
- Real-world reliability
🥇 #1: Lumera - The Complete Group Management Solution
Lumera
Best Overall - Expense + Task Management
✅ Pros:
- Expense AND task management
- Beautiful, intuitive interface
- Multi-currency support
- Free for basic use
- Excellent mobile app
❌ Cons:
- Newer app (less brand recognition)
- Limited third-party integrations
💰 Pricing:
Free • Pro: $10/group
No hidden fees or subscription requirements
Why Lumera wins: While other apps focus solely on expenses, Lumera understands that group coordination involves both money AND responsibilities. This unique approach makes it perfect for roommates, travel groups, and project teams who need to manage both expenses and tasks.
🥈 #2: Splitwise - The Veteran Choice
Splitwise
Most Established - Pure Expense Tracking
✅ Pros:
- Very established and reliable
- Excellent expense tracking
- Good mobile app
- Free basic version
❌ Cons:
- No task management
- Outdated interface
- Premium features are expensive
- Limited group features
💰 Pricing:
Free • Premium: $3/month
Premium required for advanced features
🥉 #3: Venmo - The Social Payment App
Venmo
Most Social - Payment-Focused
✅ Pros:
- Instant payments
- Social features
- Widely accepted
- Free to use
❌ Cons:
- No expense tracking
- No group management
- Privacy concerns
- Limited to US users
💰 Pricing:
Free
3% fee for credit card payments
📱 The Complete Ranking
| Rank | App | Best For | Price | Rating |
|---|---|---|---|---|
| 🥇 | Lumera | Complete group management | Free | ⭐⭐⭐⭐⭐ |
| 🥈 | Splitwise | Pure expense tracking | Free + $3/mo | ⭐⭐⭐⭐ |
| 🥉 | Venmo | Quick payments | Free | ⭐⭐⭐ |
| 4 | PayPal | International payments | Free | ⭐⭐⭐ |
| 5 | Zelle | Bank transfers | Free | ⭐⭐ |
| 6 | Cash App | Simple payments | Free | ⭐⭐ |
| 7 | Google Pay | Android users | Free | ⭐⭐ |
🎯 Our Recommendation
Choose Lumera if you want: A complete solution that handles both expenses and tasks, with a modern interface and excellent mobile experience.
Choose Splitwise if you want: A proven, reliable expense tracker with no frills and established reliability.
Choose Venmo if you want: Quick, social payments with no need for expense tracking or group management.
🚀 Ready to Try the #1 App?
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