Two payers, equal costs
Casey → Alex: 60.00
Alex pays 120 and Blair pays 60. Alex, Blair, and Casey share both expenses equally. Each owes 60 in total. Alex receives 60, Blair is balanced, and Casey pays 60.
Everyday money
Shared Expense Calculator
Track who paid, split each expense, and see who should pay whom to settle up.
Participants and shared expenses
Shared expense total
Enter expenses, choose who shares each one, then select Calculate.
Suggested transfers
This plan settles the group's net balances. A recipient may differ from the person who originally paid your expense. It does not send payments or guarantee the fewest possible transfers.
What each person paid and owes
Expense-by-expense allocation
Successful calculations save all conditions in Recent calculations (last five, in this tab). Use Copy link or Save inputs file to keep them. CSV contains results; use the JSON input file to restore participants and expenses. Anyone with a shared link or file can read the names and amounts.
Three ways to check the calculation
Casey joins dinner, but Alex does not
Blair → Alex: 10.00
Casey → Alex: 70.00
Alex's 120 lodging expense is shared by all three. Blair's 60 dinner is shared only by Blair and Casey. Their total shares are Alex 40, Blair 70, and Casey 70.
10.00 shared by three people
3.34 + 3.33 + 3.33 = 10.00
With Alex first, then Blair and Casey, Alex is allocated the extra 0.01. If Alex paid the bill, Blair and Casey each send Alex 3.33. Each expense distributes its own remaining cents.
Allocation and settlement rules
For each expense, convert its amount to whole cents. Divide by the number of selected participants, give each the whole-cent quotient, and distribute the remaining cents one at a time in participant order. This makes each expense's allocations equal its paid amount exactly, with individual shares differing by at most 0.01.
For each person, net balance = total paid − total allocated share. Positive balances receive money and negative balances pay money. Match paying and receiving participants in displayed order, transferring the smaller remaining balance until all balances are zero. The total paid and total allocated always reconcile; no intermediate floating-point rounding is used.
These are group net settlements, rather than a record of every original pairwise debt. Splitwise's explanation of debt simplification illustrates why a payment recipient can change while everyone's final balance stays the same. This calculator uses its own stated allocation and matching rules and does not claim a minimum-transfer solution.
All amounts must use the same currency with two decimal places. Enter nonnegative amounts with up to 15 integer digits and 2 decimals. A zero expense is allowed. Refunds, unequal weights, exchange rates, tax calculations, and repayments already made are not modeled. For a receipt paid by several people, enter a separate expense for each payer's portion and check each allocation; cent splits happen separately.
CSV includes balances, suggested transfers, original payments, and each participant's allocation. Formula-like text labels receive a leading apostrophe in CSV so spreadsheet applications treat them as text. The JSON input file preserves original labels and selections. Calculation links are limited to 2,048 characters; use the input file for longer lists. Neither a link nor a file records an actual payment.
Common questions
Can someone pay without sharing an expense?
Yes. The payer and the selected participants are separate. Someone who pays 30 for two other people receives 30 back, split between those people.
Why is Remove unavailable or why can I not remove someone?
Keep at least two participants and one expense. Before removing a participant referenced by an expense, change the payer and uncheck that person in every affected expense. This prevents silently reallocating their costs.
Can I save this without creating an account?
Yes. Calculate, then save the input file or copy a link. Recent calculations also restores all conditions in the same tab. Loading inputs does not calculate or create another record until you select Calculate.
What if everyone has already paid the right amount?
The result says no transfers are needed. This includes zero-cost inputs. Review the allocation breakdown if the result differs from the agreement your group intended.