Split expenses among multiple people with equal or custom shares, track who owes whom, and settle debts with minimum transactions.
This tool converts a list of shared expenses into two deliverables: each person's share of the total, and a settlement plan that clears every debt with the fewest possible transfers. You enter each expense, who paid it, and who shares it, under an equal split or with custom weights. The tool nets what everyone paid against what everyone owes and pairs creditors with debtors. The surprise is that it does not repay expenses one by one: a $60 dinner paid by Anna can end with Ben paying her $5, because his shares of other expenses already covered most of his debt.
A concrete input and expected output from the current implementation.
Input
Dinner: $60, paid by Anna, split equally among Anna, Ben, Clara Taxi: $30, paid by Ben, split equally between Ben and Clara
Expected output
Shares: Anna $20, Ben $35, Clara $35 (total $70) Balances: Anna +$40, Ben -$5, Clara -$35 Settlement (2 transfers): Clara pays Anna $35; Ben pays Anna $5
The dinner costs $20 per person and the taxi $15 for each of Ben and Clara, so shares total $70. Netting payments against shares leaves Anna owed $40, Ben owing $5, and Clara owing $35, which balances to zero; with two debtors, two transfers is the minimum.
Every expense records a payer and a participant list. An equal split divides the cost by the number of participants; a custom split applies the weights or amounts you assign. The tool sums, per person, everything paid and everything owed across all expenses. The difference is that person's balance: positive means they are owed money, negative means they owe.
Instead of reimbursing each payer separately, the tool matches total creditors against total debtors and arranges transfers so each person settles with a single payment where possible. The plan is built from net balances only, which is why the person who paid the restaurant bill may appear only as a recipient, or even as a payer. The result is a small number of transfers, not one per expense.
Yes. Pick a custom split and give each person their own share or percentage instead of dividing equally. On an itemized restaurant bill, an alternative is entering each dish as its own expense with only the people who ordered it; both methods give the same balances as long as the shares add up to the total.
Because the settlement is built from each person's net balance across all expenses, not from individual bills. If one friend covered the dinners and another the transport, the minimal set of transfers can route money in a different order, so the pairing never mirrors the receipts. The amounts are correct; only the pairing differs.
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