Split expenses calculator

Add who paid for what and you will instantly see each person's share and who pays whom, with the fewest possible payments. Free, no app and no sign-up.

How it is worked out (with an example)

There are three steps. Add up what each person paid; work out their share by adding their part of every expense they were in; the difference is their balance. A positive balance gets paid back, a negative one pays.

Example: Anna, Luke and Martha go away for the weekend.

• Anna pays for the accommodation: €180 split three ways (€60 each).
• Luke pays for dinner: €90 split three ways (€30 each).
• Martha pays for petrol: €45, split only between Luke and Martha, because Anna took the train home (€22.50 each).

Anna's share is 60 + 30 = €90; Luke's and Martha's is 60 + 30 + 22.50 = €112.50 each. Anna paid €180, so she is owed €90; Luke paid €90 and owes €22.50; Martha paid €45 and owes €67.50.

Result: Martha pays Anna €67.50 and Luke pays Anna €22.50. Two payments and you are done. Tap “Try an example” in the calculator to see it worked out.

What if someone is not in an expense?

Untick that person under “Split between” and the expense is shared only among the rest, like the petrol in the example. It happens all the time: drinks for someone who does not drink, the outing somebody skipped, the shopping that is only for two.

This calculator splits equally among the people in each expense. If you need to split by percentage, exact amounts or shares (half a share for children, say), the app does that expense by expense.

Why the fewest payments?

Settle every expense on its own and five friends can end up sending each other ten criss-crossing transfers. What matters is not who paid for what but each person's final balance: that is enough to settle up with, at most, one payment fewer than the number of people.

The calculator looks for the combination with the fewest payments: if some people's balances cancel each other out, it settles them separately, and within each block it matches whoever owes most with whoever is owed most.

Everything is worked out in whole cents. If an expense does not divide exactly (€10 between three), the leftover cents are handed out one by one — €3.34, €3.33 and €3.33 — so the shares always add up to the total, to the cent.

Share the result with the group

“Send on WhatsApp” sends a summary of who pays whom plus a link: whoever opens it sees the same calculation, with every expense, without installing anything. The data travels inside the link itself; nothing is stored on any server.

Frequently asked questions