Frequently asked questions

Yes, and it is not about collecting an address: your groups hold other people’s expenses and balances, and with nobody to recognise there is no way to protect them, nor to guarantee they stay yours when you change phone.

Sign in with email and password, or with Apple or Google. If you created your account with an email code, you can use it to sign in and choose a password. Before deciding, you can explore a read-only example group. With an invite code you can also join as a guest, with no email, in at most two groups.

Yes, completely. The data lives in a database inside the app and the phone does the maths: on a plane, in the mountains or out of data, Tacca behaves identically and just as fast.

This is not a cut-down mode with half the features missing. With no network you add expenses, split them however you like, open a derivation and see up-to-date balances — because those balances do not come from a server, the phone recalculates them every time from the data it already has. That is the situation of a trip abroad with no data, or a mountain hut at 2,000 metres: exactly when a group bill matters most.

When the network comes back, everything lines itself up: what you wrote with no signal leaves stamped with the moment you wrote it, not the moment it left. And if someone else touched the same expense in the meantime, for each field the most recent edit wins (what counts is when you wrote it, not when it arrived), and notifications tell you who corrected what.

You show them a QR code. The normal form is per person: the code carries one specific seat, so whoever scans it becomes Giulia and the balances already entered count for them from the first instant — nothing has to be redone by hand.

There is also an open form, for someone joining as a new person. In both cases the code contains no data: the group name and the inviter’s name arrive afterwards, and only for a valid code. It expires after seven days and you can revoke it whenever you want.

Yes. Inside Tacca a two-person split is a group like any other, just presented differently: same balances, same derivation, same settle-up.

The usual case is the flatmate you split rent and bills with, or the person you go away with for a weekend. You pay the €84.30 shop, they pay the €61.00 dinner: instead of two debts chasing each other, one number is left — they owe you €11.65 — and tapping it shows which two expenses it comes from.

That is an architectural choice, not a limitation — one code path instead of two means a fix to the balances applies to both cases, always. And the day a third person joins those two, you do not have to redo anything: it was already a group.

It gets assigned, and you are told to whom. Splitting € 34.15 four ways would need € 8.5375 each, but cents are whole: three cents are left over and someone has to pay them.

Many apps assign them out of sight and may change their mind on every recalculation. Tacca uses the largest remainder method with a tiebreak that never changes: a thousand recalculations give the same result, and next to the person paying the extra cent it says so.

Yes. The expense stays recorded in its own currency and the rate is frozen on the date it happened, with the source and the timestamp written into the derivation.

An example: travelling in London you pay £120.00 for dinner when the rate is 1.17, so €140.40. If sterling moves a month later, that dinner stays €140.40 — and the derivation shows you both the £120.00 and the rate that turned it into euros. The group keeps doing its sums in one currency, the one you chose at the start.

It is the only way a closed bill stays closed: if the rate moves tomorrow, yesterday’s bill does not rewrite itself. An app that recalculates at today’s rate makes you reopen an argument you had already settled.

In Tacca every amount opens up: tap a balance and you see everyone’s shares, what was paid up front, the cent that would not divide and who took it, the exchange rate frozen on the date of the expense. In Splitwise the balance is a result: the Pro page and the store listing talk about currency conversion and debt simplification, not about a calculation you can reopen.

The second point is the free plan. Splitwise’s Pro page presents “unlimited expenses” and no ads as paid advantages, which means the free version has a daily cap and ads. Tacca has no cap on expenses, groups or people, and no ads. Splitwise’s prices and limits change: what we write here was checked on October 9, 2026.

Where Splitwise is ahead: it has been around for years, has millions of users, a web version and features Tacca does not have yet. If your friends already use it, moving them is a real cost.

Tricount is free with no subscription: the official guide of October 2, 2026 confirms that Premium no longer exists and that former subscribers received six months of bunq Pro. With the new app, though, the same guide lists features that were removed: CSV and PDF export (you ask support for it) and personal mode.

Tacca exports each group’s account as CSV and the report as PDF, for free, and shows the calculation behind every balance. Tricount belongs to bunq, a bank; Tacca is not tied to any account or card and does not move money.

Where Tricount is ahead: it has a long history and an app that is already widespread. In the data we read we could not find what it does with leftover cents or exchange rates, so we do not compare those two points.

Yes, on the free plan, and the paid Pro removes it: Splitwise’s Pro page says so when it talks about “unlimited expenses”. The exact number changes from one source to another — some say two, some three, some four or five — and Splitwise does not publish it on that page, so we do not print one.

The more practical limit is another: if at dinner you need to log five expenses and the app lets you add fewer, the group’s account stays incomplete exactly when you need it. In Tacca it does not exist: not per day, not per month, expenses and groups are unlimited, and stay free.

Yes. The App Store lists it with unlimited expenses and tricounts, no subscription and no hidden costs, and the official guide of October 2026 says Premium has been shut down. Checked on October 9, 2026.

The useful question, though, is what you give up by staying free: with the new app CSV and PDF export and personal mode were removed, while statistics and saved custom splits are announced as “a future update”. Tacca is free as a splitting app, with no caps and without these export gaps.

From the US App Store listing (October 9, 2026), Pro renews monthly or yearly, with listed prices from $2.99 to $4.99 for the month and from $29.99 to $39.99 for the year; figures vary by country and plan, and we did not find the euro price on an official source. For that it is best to check the listing on your own store.

Pro removes the ads and the daily cap and adds receipt scanning, item-by-item splitting and currency conversion. In Tacca, item-by-item splitting of a photographed receipt is free; only the cloud receipt archive will be paid, and the price is not decided yet.

Splid is free with in-app purchases (from the Italian App Store listing: Splid Plus at €3.99, extra groups and Excel export are paid). It does not ask you to sign up, works offline and handles many currencies. Tacca asks for an account, but does not charge for extra groups or for export.

Settle Up is free with ads: the subscription that removes them costs $3.99 a month or $19.99 a year (US App Store, October 9, 2026). It works offline and lets you see balances from the browser. Tacca has no ads and no web version.

What we did not find in either is the derivation: opening a balance and seeing the calculation line by line. Tacca is built around that.

Four things: that recurring expenses (rent, bills) generate themselves; that they can be split in ways other than equally; that things that are only yours stay out of the shared account; and that the balance is checkable, because that is what flatmates really argue about.

In Tacca recurring expenses are weekly, monthly or yearly and are created even with no network; splits are equal, exact amounts, percentages, shares or a mix; private expenses stay invisible to the others, even at database level; and every balance opens up to its calculation. If another app gives you what you need, keep it.

Not today: there is no import, and we are not giving a date so as not to make one up. Other apps already have it, and if you need it right now that is a valid reason to stay where you are.

Exporting a Tacca account as CSV, however, is already there: if you ever want to leave, your data comes out.

Because it does not ask you to trust it: every number opens up and you can redo the sum by hand. If it does not match, that is our mistake and we want to know.

Then because the rules are written down: the leftover cent follows a fixed criterion, the exchange rate is frozen on the date of the expense, and the control over who sees what is enforced by the database, not by the app. One honest limit remains: Tacca is not on the stores yet, and an app with years of history has already met cases we have not seen.

On this phone, and in our server’s database, in the European Union: your email address and the data of all your groups, not only the shared ones. Syncing is per account, not per group, and there is no switch to keep one out.

In the app nothing is sent unless it is needed or you agree: usage statistics (collected by us, without Google Analytics) are optional and off until you say yes, and never contain amounts, names or text; two small technical logs on our server, in the EU, keep the service compatible and working. A few technical services (sign-in with Apple or Google, push notifications, updates, weather, exchange rates) receive technical data and may process it outside the European Economic Area: they are listed one by one in the privacy policy. What other people can read stays limited to the groups they belong to, and that limit is enforced by the database rules, not by the app.

No, and the reason you can believe it is not that we write it down: it is that the code to do it does not exist. There is no advertising SDK in the app and no advertising network in between: the technical services we use (email, push notifications, sign-in with Google and Apple, weather, exchange rates) are listed in the privacy policy.

The revenue model is stated openly and lives on this page: the app is free, and in future you will pay for the cloud receipt archive, which has a real server cost.

If you have an account, synced groups stay linked to it even if you delete the app. If you only joined as a guest, with an invite code, there is no account to find them again: sign up so you don’t lose your groups.

Reinstall and sign in with the same account to find them again. Changes made offline that had not yet synced may be lost if you delete the app before reconnecting.

Never. Tacca works out what you owe and to whom, then takes you to your own payment app with the amount already filled in: Satispay, Revolut, PayPal, or an IBAN to copy.

In practice: the group closes, Tacca tells you “you owe Marco €24.50”, you tap the button and your own app opens with that €24.50 already filled in. You pay there, where your money already lives. Then you come back and log the repayment — which stays “to confirm” until whoever receives it answers (after 48 hours it confirms itself).

The money never passes through us at any point, we do not hold it and we have no access to your accounts. We are not a payment institution and we perform no service falling under the European payment services directive. It is also why the app can stay free: there is no commission to take a cut of, so there is nothing to withhold.

Only the people in the group, and only for groups you chose to share. The restriction is not a rule written in the app: the database enforces it on every single read, by recognising who you are.

The difference is a real one. If the check lived in the app, a hand-written request would be enough to get around it — the app is code running on someone else’s phone, and whoever runs it can change it. Living in the database, the request arrives and finds a closed door: the expenses of a group you are not in are not even refused to you, they simply do not exist as far as you are concerned.

It is also why a stolen invite code opens nothing: without a recognised account, as far as the server is concerned that group simply does not exist. And someone who leaves a group stops seeing its new expenses from the moment they leave, not from the moment they next open the app.

There is no date yet, and we would rather not invent one. Tacca is being developed for iPhone and Android. Checks, legal-text review and store review remain before publication.

The site no longer collects addresses for the launch notice: the beta is downloaded from the buttons on the home page. If you have a question, write to us and a person replies.

Yes. Tacca is being developed for iPhone and Android, with an interface adapted to each platform.

The logic — calculation engine, database, syncing — is identical, so the numbers match to the cent on both systems.

Italian, English, French and Spanish, all four complete: interface, explanations, legal documents, category names, the words of the derivation, error messages, and number and date formatting.

That is not a detail of the text: 1.250 is one thousand two hundred and fifty in Italian but one point two five in English, and 12,50 becomes 12.50; in French the thousands separator is a space. A partial translation is not a state we allow.

The app stays free, with no daily limits and no locked features. Line-by-line splitting of photographed receipts is free too, and what sets Tacca apart is being able to open each amount and see the calculation.

Only what carries a real recurring cost will be paid: the cloud receipt archive, full-text search across it, and email forwarding of digital receipts. The price is not decided yet.