Who's on the trip
Add at least two people to start logging expenses.
Expenses
Who paid, how much, and who it was for.
Last updated 3 September 2026
How the settle-up works
Every expense adds the full amount to the payer's balance and subtracts an even share from everyone it was split among — including the payer, if they're part of the split. Once every expense is in, each person's balance shows whether they're net owed money or net owe money. Instead of asking everyone to repay every individual expense, the tool nets those balances against each other and produces the smallest set of payments that clears everyone to zero.
Settling up with the fewest transfers
The naive way to settle a group trip is for everyone to pay everyone else back individually, which for six people can mean fifteen separate transfers. There is a much better approach: work out each person's net position first — total paid minus their fair share — then match the people who are owed money against the people who owe it.
Someone $120 up and someone $120 down settle in a single payment, regardless of who originally bought what. A group of six usually resolves in three to five transfers this way instead of fifteen. The arithmetic is identical; the number of bank transfers is a fraction.
Handling unequal participation
Real trips are rarely a clean even split. Two people share a room while a third takes a single, someone skips the expensive dinner, one person drives their own car. Forcing everything into an equal division creates the quiet resentment that ruins group holidays.
The workable method is to split each expense across only the people it applied to, rather than splitting the total across everyone. The dinner four people attended is divided by four; the room two people shared is divided by two. It takes slightly longer to enter but produces a settlement nobody argues with.
Two habits make the whole thing painless. Log expenses as they happen rather than reconstructing them from memory at the airport — receipts and recollections both degrade fast. And if the trip crosses currencies, agree one rate at the start and apply it to everything, because settling at different daily rates introduces differences nobody can reconcile afterwards.
Common questions
Why is the number of payments fewer than the number of expenses?
Because the tool settles net balances, not each expense individually. If Ali owes Sara from one expense and Sara owes Ali from another, those partly cancel out — the result is the smallest set of payments that leaves everyone even, not a payment for every single expense.
What if an expense wasn't split evenly among everyone?
Uncheck anyone who wasn't part of that particular expense before adding it — a taxi only two people took, for instance. The cost splits evenly among whoever is checked for that expense, and everyone else is unaffected by it.
Can I remove someone after adding expenses?
Only if they're not referenced in any expense — as the payer or as someone splitting the cost. This is deliberate: silently removing someone with unsettled expenses could quietly change what everyone else owes without them noticing.
What is the fastest way to settle up in a group?
Calculate each person's net balance — what they paid minus what they owed — then match those who are owed against those who owe. A six-person trip usually settles in three to five transfers this way instead of fifteen individual repayments.
How do I handle an expense that only some people shared?
Divide that expense across only the people it applied to, rather than splitting the whole trip total evenly. A dinner four people attended is divided by four, a room two people shared by two. This is what stops uneven participation causing arguments.
What about expenses in different currencies?
Agree a single exchange rate at the start of the trip and apply it to every entry. Converting each expense at whatever rate applied on the day introduces small differences that are impossible to reconcile once everyone is home.