Nothing leaves your browser

Split Bill Calculator

Track group expenses, split fairly, and instantly see who pays whom.

Add the people in your group, log every expense as it happens, and let the split bill calculator simplify all the IOUs into the smallest possible set of transfers. Perfect for trips, roommates, dinners, and group projects.

Currency:

People

Add everyone splitting expenses.

Expenses

Log every shared cost. Pick who paid and who shares it.

Paid by

Split among

Total spent —

No expenses yet. Add one above.

Settlement

Fewest possible transfers to settle everyone up.

Balances

Who pays whom

How debt simplification minimizes transfers

After you log your expenses, the calculator turns a tangled web of IOUs into the smallest possible set of payments. This technique is called debt simplification.

1. Compute each person’s net balance

For every person we subtract what they owe (their share of each expense) from what they paid. A positive balance means they are owed money; a negative balance means they owe money.

2. Pair the largest debtor with the largest creditor

The person who owes the most is matched with the person who is owed the most. A single transfer settles as much of both balances as possible.

3. Repeat until everyone is at zero

After each match, the smaller of the two balances is cancelled and removed, then we move to the next largest pair. This greedy approach guarantees the fewest transfers.

Real-world examples

Three of the most common ways people use the split bill calculator.

Trip shared fund

Four friends pool a travel fund. Alice books the hotel (NT$8,000), Bob pays for the car rental (NT$3,000), and Carol covers most meals (NT$4,000), while Dave has not paid anything yet. Instead of ten small repayments between every pair, the calculator works out that Dave, Carol and Bob each send one payment to Alice — the fewest transfers that make everyone whole.

Rent and utilities

Three roommates split rent equally, but this month one roommate paid the full electricity, water and internet bills up front. Log each bill with whoever paid it, and the calculator instantly shows how much the other two should send to settle the utilities on top of their regular rent share.

Splitting a dinner bill

Five friends go out for dinner and one person pays the whole table, but not everyone had drinks or dessert. Add the dinner as one expense split among all five, and add the drinks as a second expense split only among the three who drank. The calculator handles the uneven split automatically.

Frequently asked questions

Does my data get uploaded to a server?

No. All people and expenses are stored only in your own browser using localStorage. Nothing is sent to a server and nothing leaves your device.

Can different people pay different amounts?

Yes. Every expense can have its own payer and its own set of people sharing it. Select exactly who shares each cost and the calculator sorts out who owes whom.

How does it find the fewest transfers?

It uses debt simplification: net balances are computed first, then the largest debtor is repeatedly matched with the largest creditor. This greedy method always produces the minimum number of payments.

What if someone leaves the group mid-trip?

Remove them from the People list and the balances are recalculated instantly. You can also settle their balance first, then keep logging the remaining expenses.

Which currencies are supported?

More than 20, including USD, EUR, GBP, JPY, TWD, HKD, CNY, KRW and many more. Currency only affects how amounts are displayed; the math is identical.

We do not store any of your data.