Split expenses calculator: who owes whom

Enter what each person paid and we'll tell you who pays whom, with the fewest possible transfers. No account needed, and ready to paste into the group chat.

How to use it

1. Type each person's name and how much they paid in total. If someone paid nothing, leave the amount empty.
2. The calculator adds everything up, splits it equally and works out each person's balance: what they paid minus their share.
3. From those balances it builds the list of transfers: who pays whom, and how much.
4. Tap "Copy result" and paste it in your group chat. A link to this page goes at the end, so anyone can double-check the math.

An example

Four friends spend a weekend in a rented cabin. Anna paid the rental, Tom did the grocery run, Jake bought firewood and Lucy hasn't paid anything yet:

The total is $900, so each share is $225. Three transfers settle everything: Lucy pays Anna $225, Jake pays Anna $150 and Jake pays Tom $15.

Why "the fewest transfers"

If everyone paid back each person's share of each expense, four people could end up making up to twelve transfers, many of them going back and forth. The calculator only looks at each person's final balance and pairs whoever owes the most with whoever is owed the most, over and over. That way you never need more transfers than the number of people minus one. The guide on settling group debts with fewer transfers goes into detail.

When the app is a better fit

The calculator works when everything is split among everyone and you already know what each person paid. For a trip of several days it often falls short:

• Not everyone shares every expense: the dinner only three went to, or the tour two of you took.
• There are lots of expenses a day and by the end nobody remembers who paid for what.
• You pay in several currencies on a trip abroad.
• You want to settle up halfway and keep adding expenses afterwards.

That's what TribuSplit is for: everyone logs what they pay as it happens, from their phone, and the app does this same math on its own. It's free and nobody needs an account to join.

FAQ

Is the data I enter saved?

No. The math runs in your browser and nothing is sent to any server. Close the page and it's gone.

Does it work with any currency?

Yes, as long as every amount is in the same currency. If some expenses were in another currency, convert them to one first; this guide explains how to do it fairly.

What if someone didn't share an expense?

The calculator splits everything equally. If an expense was only for some of you, the simplest way is to log it in the app, where you choose who takes part in each expense.

What happens to cents that don't divide evenly?

They go one by one to the first people on the list, so the total adds up exactly and nothing is lost or left over.