The ledger is free. Unlimited expenses, unlimited groups, unlimited people, every split method, balances, settling up and offline use — free at every tier, including without an account.
A larger monthly allowance for the AI features. That is the whole difference: receipt scanning and voice entry cost real money to run, and the allowance is what keeps them free for everybody else.
Both happen in the app, where the camera and the microphone are. A page can tell you what they do; it is not somewhere either one can be done.
Both give you a draft to confirm, and neither writes anything on your behalf — so you point the camera at the receipt while everyone is still at the table, and check what came back before it becomes a number anybody owes.
One person can have it, or one purchase can cover a whole group — the same capabilities either way. Nothing about your balances, your history or your ability to argue with a number is behind it.
Tabrillo never moves money. An app that holds your money needs licences, compliance and your bank details, and has to charge for it. One that holds only the record needs none of that.