Free online calculator
Split expenses calculator
Split group costs and settle up.
Group expense splitter
Add people, log expenses, and see who owes what.
People
Expenses
Results
Add at least one expense to see results.
How to use this calculator
- 1
Add people
Enter everyone's name in the People section — you need at least two. Default names A, B, C are provided.
- 2
Add expenses
For each expense enter a description, amount, who paid it, and which people share the cost.
- 3
Read the balances
The Balances panel shows each person's net position — positive means they are owed money, negative means they owe.
- 4
Check settlements
The Settlements panel lists the minimum transactions needed to square everyone up.
- 5
Copy the summary
Click "Copy summary" to copy a plain-text breakdown to your clipboard.
FAQ
How does the settlement algorithm work? +
The calculator uses a greedy creditor/debtor algorithm: it repeatedly matches the largest creditor (most owed) with the largest debtor (owes most) and creates a payment until all balances reach zero. This minimises transactions in most cases, though the mathematically minimum is NP-hard to guarantee.
Can I split unevenly (percentages or shares)? +
Version 1 supports equal splits only — the cost is divided evenly among everyone listed in "shared with". Percentage or custom-share splitting is planned for a future release.
Does this support multiple currencies? +
Version 1 uses a single currency for display formatting only — no exchange rate conversion is applied. Choose the currency that all amounts are already in.
What if someone paid for something they are also sharing? +
That is handled correctly. The payer is credited for the full amount; each person in the "shared with" list — including the payer — owes their equal share back, so the payer's net balance reflects only what others owe them.
Is my data saved? +
Yes, your people and expense list are saved to localStorage under a versioned key each time you make a change, and restored automatically on your next visit.
About this calculator
This split expenses calculator tracks who paid what, divides shared costs fairly, and produces the minimum number of payments needed to settle up. Use it for trips, shared accommodation, group dinners, or any situation where multiple people are covering costs for a group. Your data is saved in your browser and restored on your next visit.
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Split and track group expenses on your phone
Spendspace for iOS lets you log shared costs by voice right as they happen — download the free app.
Download on the App Store