How does the settle-up calculation work?

For every expense the tool records who paid and divides the cost across the people sharing it. It then nets each person to a single balance (paid minus their fair share) and runs a greedy match that pairs the biggest debtor with the biggest creditor, producing the smallest practical number of transfers so everyone ends up square.

Can people split an expense unequally?

Yes. Switch a single expense to By shares and give each participant a weight — for example 2 for a couple sharing a room and 1 for a solo traveller. The cost is divided in proportion to the weights, and any rounding remainder is distributed so the parts always sum to the exact total.

Does every expense have to be shared by everyone?

No. For each expense you tick only the people it applies to. A taxi taken by two of five friends is split between those two, while a shared Airbnb can be split across the whole group. Each expense is independent.

How does it avoid rounding errors splitting odd amounts?

All maths runs in whole cents using a largest-remainder method, so a cost like 10.00 split three ways becomes 3.34 plus 3.33 plus 3.33 — never 3.33 three times, which would leave a missing penny. Balances and transfers therefore reconcile to zero exactly.

Is my data saved or sent anywhere?

Nothing leaves your device. The group, expenses and currency are stored only in your browser via localStorage, so the page remembers them when you return. There is no account, no server and no network request.

Can I export the result to share with the group?

Yes. Export a plain-text summary listing each balance and the settle-up payments, export a CSV of every expense plus the transfers for a spreadsheet, or copy the summary straight to your clipboard to paste into a group chat.

Group Expense Splitter

A group expense splitter for any situation where several people share costs and need to square up afterwards — a holiday, a house share, a stag or hen weekend, a group dinner, or a recurring split between flatmates. You add the people, log each shared expense with who paid and who it was for, and the tool works out the single fairest set of payments that leaves everyone even. No spreadsheet, no mental arithmetic, no awkward “who owes what” conversation at the end of the trip.

How it works

Splitting costs in a group is harder than it looks because payments and consumption rarely line up. One person books the accommodation, another buys all the groceries, a third covers the taxis — and not everyone takes part in every expense. The naive approach is a tangle of small back-and-forth payments. This tool turns that tangle into the minimum number of transfers.

For every expense you record the total amount, who paid, and who shares it. Each participant is charged their fair portion: an equal split divides the cost evenly, while a by-shares split divides it in proportion to weights you set (handy when a couple shares one room or someone orders far more at dinner). The tool then computes each person’s net balance — everything they paid out minus everything they consumed. People with a positive balance are owed money; people with a negative balance owe it.

To settle up, it runs a greedy creditor-debtor match: the largest debtor pays the largest creditor until one of them is cleared, then it moves on. This produces close to the fewest possible transfers, so instead of six confusing payments you might see just two. All of the arithmetic is done in whole cents using a largest-remainder method, so odd amounts split cleanly and the balances always reconcile to exactly zero.

Everything is saved in your browser, so you can keep adding expenses across a whole trip and the running tally is always there when you come back.

Example

Three friends — Alex, Sam and Jordan — go away for a weekend. Alex pays 360 for the Airbnb (split three ways), Sam pays 84.60 for groceries (split three ways), and Jordan pays 42 for a taxi shared only with Alex. Total spent is 486.60.

Each three-way share is 148.20; the taxi adds 21 each to Alex and Jordan. Netting it out, Sam is owed money, Jordan owes the most, and the tool reduces it all to a short settle-up list — typically two transfers rather than everyone paying everyone. Press Export and you get a clean summary to drop into the group chat.

Expense	Amount	Paid by	Split
Airbnb	360.00	Alex	3 ways
Groceries	84.60	Sam	3 ways
Taxi	42.00	Jordan	Alex and Jordan

Every figure is calculated on your device — nothing is uploaded or stored on a server.