Expense Splitter
Who paid what on the trip — and the fewest transfers to settle up.
About this tool
Names in, expenses in (who paid, how much, who it was for), and out come the balances and the fewest payments to square the group. Saved in this browser so the trip can be reopened tomorrow; nothing uploaded.
Why the settlement is shorter than you'd think
Six people over a weekend generate a tangle of “I got the taxi, you got dinner, they got the rental” — but what matters is only each person's net position: what they paid minus their share of everything they took part in. Once you have those balances, settling is a matching problem, and the greedy method here (the largest debtor pays the largest creditor, repeat) closes it in at most people-minus-one transfers instead of everyone paying everyone. Expenses can be split among a subset — the vegetarians didn't share the steak, the couple who left early skipped the last night — which is where a plain “total divided by six” goes wrong. Honest scope: one currency, equal shares within each expense, and no accounts or sync: the list lives on the phone of whoever keeps it, which is exactly the person who wants it. Copy the settlement into the chat. The tip calculator splits one restaurant bill, the rent splitter handles unequal ongoing shares, and the percentage calculator the odd exchange rate.
Frequently asked questions
Can an expense be split between only some people?
Yes — untick the people it wasn’t for when you add it. Each expense has its own set of sharers.
How does it find the fewest payments?
By netting everyone’s balance first and then matching the largest debtor to the largest creditor repeatedly. A group of six settles in five payments or fewer.
Is the list saved?
In this browser only, so you can add expenses over a few days. It’s never sent anywhere; ‘Start a new group’ clears it.
Multiple currencies?
Not here — convert to one currency before entering. The percentage calculator helps with the rate.