Settle Up Calculator
Enter what each person paid — get the fewest transfers to settle up
What each person paid
Total spent
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Fair share per person
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Settlement
Add at least 2 people with names and amounts
Splitting the bill: who pays whom
When everyone pays with a different card on a trip or group outing, working out who owes what is always a headache. Enter each person's name and what they paid, and this tool calculates the fair share and the fewest possible transfers to settle up — even a 5-person split needs at most 4 transfers. Everything runs in your browser and nothing is stored.
Figures out who pays whom with the smallest possible number of transfers.
Whether it's 2 people or 20, just enter what each one paid.
Copy the full settlement list to paste directly into a group chat.
Frequently asked questions
The tip calculator splits one bill evenly across a group. This settle-up calculator handles the case where several people each paid different amounts, and figures out fair transfers between them.
Amounts are rounded to the nearest whole unit, and any tiny leftover (a cent or two) is absorbed by the last transfer.
No. Every calculation happens locally in your browser and nothing is ever sent or stored.