Mafi kyawun manhajar raba kuɗin tafiya da abokai (na kyauta, a kwatanta)

An riga an sayi tikitin, ƙungiyar hira a WhatsApp ta samu suna, sai wani ya yi tambayar da za ta yanke yadda ɓangaren kuɗin tafiya zai kasance: wace manhaja za mu yi amfani da ita? Kuna neman mafi kyawun manhajar raba kuɗin tafiya, sai ga sunaye shida, kowacce tana cewa kyauta ce kuma mai sauƙi.

Sun fi kamanceceniya fiye da yadda suke nunawa, bambancin kuma yana bayyana ne a kan hanya kawai: iyaka kan kashe kuɗi, kuɗin waje da ba a zata ba, wuri babu hanyar sadarwa, abokin da ya ƙi sanya komai. Ga yawancin tafiye-tafiyen ƙungiya, ku zaɓi manhaja ta kyauta wadda ba ta da iyaka kan kashe kuɗi, tana da kuɗaɗe da yawa kyauta, kuma tana daidaita bashi a mafi ƙarancin biyan kuɗi. Donget, Tricount, Splid, Settle Up da Splitser duka sun cika wannan sharaɗi; tsarin kyauta na Splitwise bai cika ba. Ku zaɓa a tsakaninsu bisa duba rasit, aiki ba tare da intanet ba, da yadda abokanku za su shiga.

Yadda muka kwatanta manhajojin kuɗin tafiya

Tafiya jarrabawa ce mai tsauri fiye da zama tare a gida: kashe kuɗi suna zuwa a cunkoso, sau da yawa da kuɗi biyu, ga ƙungiyar da take wanzuwa na mako guda. Don haka kowace manhajar raba kuɗin tafiya an auna ta da abin da ke lalacewa a hutu:

• Iyakar kyauta. Za ku iya rubuta kashe kuɗi ashirin a rana mai yawan hada-hada ba tare da biya ko jira ba?
• Kuɗaɗe da yawa. Sauya kuɗi yana ciki, ko yana ɓoye bayan matakin mai biya?
• Duba rasit. Manhajar tana karanta rasit, ko tana adana hotonsa kawai?
• Aiki ba tare da intanet ba. Za ku iya ƙara kashe kuɗi a kan dutse ko cikin jirgin ruwa, sannan a daidaita daga baya?
• Shiga. Sai kowa ya samu manhajar da asusu kafin rabonsa ya shiga lissafi?
• Daidaita bashi. Tana haɗa bashi zuwa mafi ƙarancin biyan kuɗi a ƙarshe?
• Talla. Akwai talla tsakaninku da ma’aunin ku?

Bayanan sun fito ne daga shafukan kwatancenmu da kuma gidan yanar gizo na kowace manhaja, cibiyar taimakonta ko shafinta a kantin manhajoji; inda manhaja ba ta faɗa ba, teburin ya faɗi haka. Don waɗannan manhajojin a wajen tafiya, duba kwatancen manhajojin raba kashe kuɗi.

Manhajojin raba kuɗin tafiya gefe da gefe (an duba a Oktoba 2026)

Biyar cikin shida kyauta ne, kuma ba su da iyaka. Zaɓin gaske yana cikin rabin ƙasan teburin.

Abin da “mafi ƙarancin biyan kuɗi” yake nufi a tafiya

Aisha, Musa, Sani da Halima sun yi ƙarshen mako a Jos. Aisha ta biya gidan haya ₦480,000, Musa ya biya abincin dare biyu ₦200,000, Sani ya biya tasi ₦80,000, Halima ba ta biya komai ba. Jimilla ₦760,000, wato ₦190,000 kowanne. Ana bin Aisha ₦290,000, ana bin Musa ₦10,000; Sani yana bin ₦110,000 Halima kuma tana bin ₦190,000.

Idan aka mayar da kuɗin kashe kuɗi bayan kashe kuɗi, ya zama ƙananan bashi tara. Daidaita bashi a mafi ƙarancin biyan kuɗi yana mayar da shi uku: Halima ta biya Aisha ₦190,000, Sani ya biya Aisha ₦100,000, Sani ya biya Musa ₦10,000. Kowace manhaja da ke teburin tana yin haka; yadda ake lissafin wanda ke bin wane yana nuna hanyar da hannu.

Manhajoji shida, ɗaya bayan ɗaya

Donget

Ya fi dacewa da: tafiye-tafiye zuwa ƙasar waje inda rasit ke taruwa kuma kuɗaɗe suna gauraya. Kyauta ne, babu talla, babu iyaka kan kashe kuɗi, kowane kashe kuɗi zai iya kasancewa da kuɗinsa, kuma Duba rasit tare da AI yana karanta takardar kuɗin don kowa ya Nemi rabo na abubuwan da ya ci. Yana aiki ba tare da intanet ba, yana daidaitawa daga baya.

Inda yake faɗuwa: babu manhajar intanet, don haka wanda ke son daidaita lissafi a kwamfuta ba zai iya ba. Babu fitar da bayanai zuwa CSV ko spreadsheet. Kowane kashe kuɗi yana da mai biya ɗaya, don haka otal da aka biya rabi da kati ɗaya rabi da wani ana shigar da shi a matsayin kashe kuɗi biyu. Hanyar sadarwarsa kuma ta fi ta Splitwise ƙanƙanta.

Splitwise

Ya fi dacewa da: ƙungiyoyin da suka riga suke amfani da ita kuma suna son manhajar intanet balagagge. Idan wani a ƙungiyar yana biyan Pro, duba rasit, raba abu-abu da sauya kuɗi duka suna nan.

Inda take faɗuwa: tsarin kyauta yana ba da kashe kuɗi har huɗu a rana kuma yana nuna talla, siffofin tafiya kuma suna cikin Pro a $4.99 a wata. Madadin Splitwise na kyauta biyar ya bayyana abin da za ku yi amfani da shi maimakon haka.

Tricount

Ya fi dacewa da: tafiya mai sauƙi, raba daidai. Kyauta ce, ta ce babu talla kuma babu iyaka, tana da sauya kuɗi, tana lissafa aiki ba tare da intanet ba, kuma tana bari ku gwada ba tare da yin rajista ba.

Inda take faɗuwa: babu duba rasit kuma babu raba abu-abu, don haka ana buga kowane kashe kuɗi a raba shi gaba ɗaya. Cibiyar taimakonta ta ce an daina Premium da sabuwar manhaja, fitar da CSV da PDF kuma sun tafi tare da shi. Madadin Tricount yana kwatanta zaɓuɓɓukan dalla-dalla.

Settle Up

Ya fi dacewa da: ƙungiya mai mutum ɗaya ko biyu da ba za su sauke komai ba: shafinta a kantin manhajoji ya ce abokai za su iya duba ma’auni a mashigin intanet daga haɗin da aka raba. Tana aiki ba tare da intanet ba kuma tana goyon bayan dukan kuɗaɗe.

Inda take faɗuwa: sigar kyauta tana nuna talla, hoton rasit siffa ce ta Premium kuma babu abin da ke karanta shi, babu kuma raba abu-abu.

Splid

Ya fi dacewa da: tafiya ta sau ɗaya inda babu wanda ke son asusu: ku raba lamba kowa ya shiga, babu rajista. Tana aiki ba tare da intanet ba, tana sauya kuɗi, ba ta nuna talla.

Inda take faɗuwa: daidaitawa ta lamba ce ba ta lokaci-lokaci kai tsaye ba, babu duba rasit ko raba abu-abu, kuma ba tare da asusu ba babu hanya mai tsabta ta dawo da bayanai idan waya ta ɓace.

Splitser

Ya fi dacewa da: ƙungiyoyin Holland da faɗin Turai da suka riga suke amfani da ita. Rabawa masu sassauƙa, kuɗi fiye da 150, da shiga ta intanet ga wanda ke riƙe da lissafi.

Inda take faɗuwa: tana nuna talla sai dai idan kun biya don cire ta, babu duba rasit, kuma tana raba abu-abu ne a wani ɓangare kawai.

Wace manhajar kuɗin tafiyar ƙungiya don wace tafiya

Ƙarshen mako, raba daidai, babu wanda ke son yin rajista. Splid ko Tricount.

Mako a ƙasar waje da gidajen abinci da kuɗaɗe gauraye. Donget, wanda kyauta ne ba tare da matakin Pro ba, ko Splitwise idan wani ya riga ya biya Pro. Ku rubuta kowane kashe kuɗi da kuɗin da kuka biya; raba kuɗaɗe tsakanin kuɗaɗe daban-daban ya bayyana dalilin da ya sa wannan ke kiyaye jimillar da gaskiya.

Tafiyar mota da hanyar sadarwa mai tangarɗa. Kowace manhaja mai aiki ba tare da intanet ba: Donget, Tricount, Splid, Settle Up ko Splitser.

Aboki ɗaya ya ƙi sanya komai. Duba ma’auni a mashigin Settle Up, ko ku riƙe rabon wannan abokin da kanku. Raba lokacin da ba kowa zai sauke manhaja ba ya bayyana hanyoyin biyun.

Mai tsara tafiyar yana yin lissafi a kwamfuta. Splitwise ko Splitser, duka biyun suna da shiga ta intanet.

Duk wadda kuka zaɓa, ku yarda kafin ku tafi a kan abin da za a raba da yadda; hanyar adalci ta raba tafiyar ƙungiya tana ɗauke da ƙa’idojin da ke hana gardama daga baya.

Inda Donget ke shigowa

Donget ya dace da tafiyar da kuke son a yi dukan aikin ba tare da matakin biya ba. Ku ƙirƙiri ƙungiya da kuɗinta, sannan ku raba hanyar gayyata ko ku bar mutane su yi Duba lambar QR a tashar jirgin sama. Wanda bai riga ya sanya manhajar ba za a iya ƙara shi da suna ta Ƙara memba; idan ya shiga, sai ya zaɓe shi daga Zaɓi sunanku, kuma duk abin da aka riga aka rubuta masa yana nan.

A hanya, wanda ya biya yana rubuta shi da kuɗin da ya biya da shi, a farashin musayar da aka adana a kan kashe kuɗin; takardar abincin dare mai tsayi ana shigar da ita da Duba rasit tare da AI, kuma kashe kuɗin da aka rubuta ba tare da intanet ba suna daidaitawa daga baya. A ƙarshe, Daidaita bashi yana ba da shawarar mafi ƙarancin biyan kuɗi, An Biya kuma yana rubuta kowanne. Donget ba ya motsa kuɗi; yana riƙe da adadin da kowa ya amince da shi.

Tambayoyin da ake yawan yi

Wace ce mafi kyawun manhaja ta kyauta don raba kuɗin tafiya?

Babu ɗaya tilo da ta fi; ya danganta da tafiyar. Donget, Tricount, Splid, Settle Up da Splitser duka kyauta ne kuma ba su da iyaka kan kashe kuɗi. Donget yana ƙara duba rasit na AI kyauta da kuɗaɗe da yawa, Splid da Tricount suna bari a fara ba tare da yin rajista ba, Settle Up kuma yana bari abokai su duba ma’auni a mashigin intanet.

Akwai manhaja ta raba kuɗin tafiya ba tare da iyaka ba?

Akwai. Donget, Tricount, Splid, Settle Up da Splitser suna bari ku rubuta kashe kuɗi gwargwadon abin da tafiya ke buƙata ba tare da biya ba. Tsarin kyauta na Splitwise yana iyakance ku ga kashe kuɗi huɗu a rana.

Manhajar kuɗin tafiya za ta iya sarrafa kuɗaɗe daban-daban?

Dukan shida suna sarrafa kuɗi fiye da ɗaya. Splitwise tana ajiye sauya kuɗi a Pro; sauran biyar ɗin suna da shi kyauta. A Donget, ana mayar da kowane kashe kuɗi a farashin musayar da aka adana a kansa.

Sai kowane abokina ya samu manhajar?

Ba don lissafin ba. A Donget, ana iya ƙara kowa da suna, don haka ana bin rabonsa ko da bai taɓa sanya komai ba; idan ya shiga daga baya, sai ya zaɓi wannan sunan.

Wace manhajar kuɗin tafiya ke aiki ba tare da intanet ba?

Donget, Tricount, Splid, Settle Up da Splitser sun ce suna aiki ba tare da intanet ba, Splitwise kuma tana ba da damar rubuta kashe kuɗi ba tare da intanet ba. A Donget duba rasit ne kawai ke buƙatar haɗi; komai yana daidaitawa idan kun dawo kan layi.

Ya kamata mutum ɗaya ya biya komai sannan a raba a ƙarshe?

Yana aiki a gajeriyar tafiya idan wannan mutumin yana ajiye kowane rasit. A tafiya mai tsawo, ya fi kyau wanda ya biya ya rubuta kashe kuɗin nan take, don ma’auni ya kasance na yanzu.

A taƙaice

Manhajar raba kuɗin tafiya tana buƙatar rashin iyaka, kuɗaɗe kyauta, rubuta ba tare da intanet ba da daidaita bashi da ke ƙarewa a ƴan biya kaɗan. Ku zaɓa bisa sauran: Splid ko Tricount don sauƙi, Settle Up ko Splitwise don shiga ta mashigi, Splitser ga ƙungiyar Holland, Donget don rasit da aka duba da kuɗaɗe gauraye kyauta.

Sauke Donget kyauta ku kafa ƙungiyar tafiyar kafin takardar kuɗi ta farko ta iso.