Reviewing spending, planning savings and splitting a dinner bill are different tasks. We compare Finantzak, YNAB, Splitwise and tricount to help you choose. Sharing accounts here means sharing records or splitting expenses, not opening a joint bank account. This comparison is published by Finantzak, one of the products discussed: it is not an independent review or a popularity ranking.
In this article
- What we compare and how to choose
- Finantzak: personal euro records and shared workspaces
- YNAB: putting time into an active budget
- Splitwise: flexible ways to split expenses
- tricount: groups, travel and different currencies
- Fictional examples: splitting expenses does not mean duplicating them
- What to choose and what to check before sharing
What we compare and how to choose
We use official documentation consulted on 14 October 2026 and the official Finantzak product reference reviewed that day. We have not exhaustively tested all four apps or their bank connections. Strengths and weaknesses are editorial assessments of suitability, not quality scores or measured savings results.
Finantzak and YNAB support budgeting; Splitwise and tricount focus particularly on splitting expenses. No app guarantees savings: the outcome depends on actual income, spending and decisions. Sharing records does not move money between banks either.
Choose by need
| App | Strength | Limit |
|---|---|---|
| Finantzak | Euros and workspaces with permissions | Premium web and personal cloud; no automatic bank connection |
| YNAB | Active budgeting and targets | Subscription; administrator can access Together plans |
| Splitwise | Detailed splits | Up to four daily expenses on the ordinary free plan |
| tricount | Multiple currencies and offline recording | Up to 50 participants; check sign-up terms |
Finantzak: personal euro records and shared workspaces
Strengths. It brings together accounts, transactions, categories, budgets, debts, a calendar and recurring transactions. Local personal use on Android is free; Android and the web offer Spanish, Basque and English. Budgets compare recorded spending with planned limits, but do not stop purchases.
Shared workspaces support collaboration on compatible accounts, categories, transactions, budgets and attachments, subject to permissions. Creating and administering workspaces requires Premium; participation without Premium depends on the sponsored workspace's conditions. This does not by itself activate personal cloud storage or web access, nor does it mean all modules are shared.
Toby supports queries and analysis of authorised records and, with writing tools enabled, compatible actions. It requires Premium, an Internet connection, consent, permissions, quota and service availability. Its current conversational financial context is the personal workspace, not all shared workspaces. It does not execute bank payments.
Weaknesses. There is no automatic bank connection: you need to maintain records or supply compatible statements through Premium import. Web access, personal sync and files require Premium. Only EUR is supported; we have not verified a published iOS app. It is an option for euro tracking and selective collaboration, not automatic bank aggregation or multiple currencies.
YNAB: putting time into an active budget
Strengths. YNAB focuses on giving money a purpose, working towards targets and reviewing priorities. It offers direct import with compatible banks; Spain is among the supported countries, but this does not establish support for every institution or account type. Together lets up to six people in total share a subscription with separate logins.
Weaknesses. It is a subscription service with a temporary trial, not a generally available permanent free plan. Each plan uses one currency, without mixing several. Maintaining an active budget requires regular reviews; it may be more than you need just to split a weekend away.
Privacy limit: the Together administrator can access and edit members' plans, including those they bring when joining. Sharing the subscription does not make those plans private from the administrator. Our assessment: consider it for active planning and compatible banks, not just settling up with friends.
Splitwise: flexible ways to split expenses
Strengths. Splitwise records expenses, balances between people and settlements. Expenses can be split equally, by exact amounts, percentages, shares and adjustments. This helps when people consume different amounts or agree on different proportions.
Weaknesses. The official help consulted specifies up to four new expenses per day on the ordinary free plan; Pro removes that limit and adds search, currency conversion and receipt tools. The unlimited-expense offer linked to its card should not be generalised to every free account.
Members can see the group's expenses even when they are not involved in each one. Keep expenses you do not want to show to the same people separate. Its documented focus is splitting expenses and tracking balances: we do not present it as a replacement for a complete personal budget.
tricount: groups, travel and different currencies
Strengths. tricount advertises free expense recording and splitting, with no ads or daily limit on new expenses. It supports different currencies converted to the group's main currency. It allows expenses to be added offline and synced when Internet access returns, not synchronised collaboration offline.
Weaknesses. Its exchange rate may differ from the rate applied by your card. Free recording does not include all associated services: eSIMs are optional and paid. The help specifies up to 50 participants per tricount; advertising about having no limits does not mean groups can be any size.
The documentation contains discrepancies about some splitting options and sign-up. Check your version and country, the split you need and whether an associated banking product is offered; we do not claim that taking it out is always mandatory or always optional. We have not verified a personal budget equivalent to YNAB's or Finantzak's range of planning tools. Its clearest fit in this comparison is groups and travel involving multiple currencies.
Fictional examples: splitting expenses does not mean duplicating them
Ana pays €90 for dinner for herself, Luis and Marta. They agree on equal shares: €90 ÷ 3 = €30 per person. Luis owes Ana €30 and Marta owes her another €30: Ana has €60 outstanding to receive. Once both reimburse her, those outstanding amounts become zero. The group's cost remains €90, not €150.
Check who paid, who owes whom and that the three shares total €90. Reimbursements are not new purchases. A personal budget should distinguish your share of the cost from the movement of money. This example does not establish an identical workflow in all four apps or payments executed by them.
Another fictional example: you receive €1,500 and record €1,200 of expenses during the month. The difference is €300. Transferring €100 between two of your own accounts does not change it: that transfer is not a new expense or income. This does not prove the €300 is free to save either; review outstanding payments and whether your records are complete.
What to choose and what to check before sharing
Consider Finantzak for euro tracking, a free local start on Android and workspaces with permissions; YNAB for active budgeting and compatible banks; Splitwise for detailed splits; tricount for travel involving multiple currencies. You may need two tools, but avoid duplicating purchases when moving information between them.
Before paying or inviting someone, record a week of expenses, correct a mistake and check who can see and edit the data. Review prices, terms, export options and the consequences of ending a subscription. Official sources substantiate features, not a security audit or a savings guarantee.
Put it into practice
- Decide whether you need a personal budget, expense splitting or both.
- Check your bank, currency and platform.
- Review viewing and editing permissions.
- Verify prices, limits and exit options.
Sources consulted
- Finantzak | Personal finance app
- Pricing | YNAB
- YNAB Direct Import in Europe
- YNAB Together: A Guide
- What are different ways I can split an expense?
- What is Splitwise Pro?
- Who can see my expenses and balances? How do I keep certain expenses and balances private? – Splitwise feedback and helpdesk
- tricount features | Shared expenses, splits and repayments
- Offline expense tracking | tricount
- How can I manage my tricounts and expenses? | tricount Help