TripCount vs Spliit — free AI OCR, multi-currency, E2EE
Last updated: 2026-06-03TripCount vs Spliit: free AI receipt OCR, end-to-end encryption, EU-hosted, multi-currency with per-expense FX, one-tap Bizum/Revolut/PayPal settle-up.
| Feature | TripCount | Spliit |
|---|---|---|
| AI receipt OCR | Free (with per-user quota) | Not available |
| Multi-currency with live FX | Yes — captured per expense | Yes |
| End-to-end encryption | Yes — encrypted client-side (AES-GCM) | Not advertised |
| Bizum one-tap settle-up | Yes | No |
| Revolut deep-link settle-up | Yes | No |
| PayPal settle-up | Yes | Yes |
| Regional EU languages (Catalan, Basque, Galician, Breton, Welsh…) | Yes — 50 languages incl. regional | No |
| Trip memories (photos + Spotify) | Yes | No |
| EU hosting | Yes — Hetzner | EU (self-host option) |
| Pricing model | Free; €3 one-time per group to raise AI Scans + Media limits | Free + open source |
What it does
Free AI receipt OCR with a per-user quota, automatic debt simplification (algorithm reduces N people to at most N−1 transfers — same as Splitwise/Tricount), multi-currency with live FX captured per expense from open.er-api.com, end-to-end encryption.
Privacy by default
Expenses encrypted client-side with per-trip AES-GCM envelope keys, stored at rest as opaque ciphertext. EU hosting (Hetzner). The integration test suite asserts on every CI run that no plaintext media bytes appear in any stored artifact. Zero-knowledge — where no escrowed key sits on the server — is on the roadmap.
Payouts and currencies
One-tap settle-up via Bizum, Revolut and PayPal — each owed transfer renders as a deep link pre-filled with amount and recipient. Multi-currency trips capture each expense's FX rate at the moment of entry, so the final settlement reflects actual rates, not an averaged guess.
50 languages including regional EU
50 languages shipped today, including 11 regional/minority European languages (Catalan, Basque, Galician, Asturian, Occitan, Breton, Scottish Gaelic, Welsh, Frisian, Faroese, Romansh) — first-class, not Google-Translate; the Valencian and Balearic variants are derived from Catalan and being refined. The locale matrix and translations live in the open-source repo at frontend/src/locales.
Frequently asked questions
- How is TripCount different from Spliit?
- Spliit is an open-source web app (no native mobile apps) that does the core ledger well. TripCount adds AI receipt OCR with a free quota, end-to-end encryption, one-tap Bizum/Revolut/PayPal deep links, 50 languages including regional EU ones, and trip memories (photos + Spotify track). Spliit's strength is openness; TripCount's strength is the 2026 feature set.
- Spliit is open source — is TripCount too?
- The TripCount backend (FastAPI + PostgreSQL) is open source on GitHub; the frontend bundle is closed. We chose this split because the privacy-sensitive code is the backend (where data is stored and encrypted), and making it auditable matters more there than for the React UI. Spliit is fully open source and self-hostable — a valid choice if self-hosting is your priority.
- Does Spliit have receipt OCR?
- Spliit has receipt scanning (basic), but it's less developed than TripCount's AI-driven OCR. TripCount uses OpenAI Vision to extract line items, vendor and currency, and gives every user 5 free scans per group before the optional €3 PRO unlock raises the cap to 500.
- Does Spliit have one-tap settle-up?
- Spliit shows balances and can mark transfers as settled but doesn't prefill Bizum, Revolut or PayPal deep links. TripCount renders each owed transfer as a deep link with amount and recipient pre-filled — one tap opens the payment screen ready to send.
- Which languages does Spliit support?
- Spliit supports a handful of mainstream languages via community translation. TripCount ships 50 languages including 11 regional European ones (Catalan, Basque, Galician, etc.) as first-class translations.
- Is Spliit free?
- Yes, Spliit Pro is free (no ads, no paywall). TripCount is also free for the core and adds an optional one-time €3 per group to raise the AI-scan and media-upload caps. No subscription either way.
- Is Spliit end-to-end encrypted?
- Spliit does not advertise end-to-end encryption — when you use the hosted version, the data is readable by the operator. TripCount encrypts client-side with AES-GCM before storage, and the integration test suite verifies on every CI run that no plaintext expense data leaks into stored artifacts.
- Can I self-host TripCount like I can self-host Spliit?
- The TripCount backend is on GitHub and runs with `docker compose up`. The full frontend isn't open-sourced for the hosted bundle but the backend + admin works standalone. If self-hosting is your priority, Spliit is the more developer-friendly choice today; TripCount's priority is the hosted PWA experience.
