Finance & Money
Expense Splitter
Add people · log expenses · settle up with minimum payments
People
Add people to get started.
Expenses
Add at least 2 people first
How it works
How it works
Steps
1. Add people
Enter everyone who shared the trip or event — up to 8 people.
2. Log each expense
For each bill, enter what it was for, how much it cost, who paid, and which people split it. Not everyone has to share every expense.
3. See who pays whom
The tool calculates the minimum number of transfers needed to settle all debts — fewer payments than paying each person back individually.
Per-item splitting
Each expense can be split among any subset of the group. Useful when one person skipped dinner or ordered something separate.
share = expense ÷ participants
Settlement math
Each person's net balance = total paid − total owed. Positive means others owe them; negative means they owe others.
The greedy algorithm pairs the largest creditor with the largest debtor repeatedly to minimize transaction count.
How it works▾
How it works
Steps
1. Add people
Enter everyone who shared the trip or event — up to 8 people.
2. Log each expense
For each bill, enter what it was for, how much it cost, who paid, and which people split it. Not everyone has to share every expense.
3. See who pays whom
The tool calculates the minimum number of transfers needed to settle all debts — fewer payments than paying each person back individually.
Per-item splitting
Each expense can be split among any subset of the group. Useful when one person skipped dinner or ordered something separate.
share = expense ÷ participants
Settlement math
Each person's net balance = total paid − total owed. Positive means others owe them; negative means they owe others.
The greedy algorithm pairs the largest creditor with the largest debtor repeatedly to minimize transaction count.