Money and cost splitting tools
Split shared costs and check what a sale actually comes to, without a spreadsheet.
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Log a whole trip in any currencies and see who owes who, in the fewest payments.
Split an itemised bill where everyone ordered something different, with tax and tip.
Divide rent and utilities by income, by room, evenly, or somewhere in between.
All money tools
Log a whole trip in any currencies and see who owes who, in the fewest payments.
Split an itemised bill where everyone ordered something different, with tax and tip.
Divide rent and utilities by income, by room, evenly, or somewhere in between.
Work out what each person owes for shared subscriptions on different billing cycles.
Apply several discounts in order and see the real final price, tax and shipping included.
About these tools
Splitting money between people is arithmetic that looks trivial until it is done with real numbers. Ten dollars does not divide three ways, so somebody has to absorb a cent and the tool has to say who. Tax and tip on an itemised bill are not fair to divide evenly when the orders differ. Subscriptions billed weekly, monthly, and annually cannot be added together at all until they are converted to a common period. Every tool here does that arithmetic on whole cents rather than on decimals, which is why the parts always add back to the total instead of landing a cent out.
The trip settler is the one worth starting with if several people have been paying for things on each other’s behalf. Rather than listing every debt, it finds the smallest set of payments that clears them all — for a group of up to twelve that is a proven minimum, not an approximation, and it routinely turns a dozen owed amounts into three or four transfers. Expenses can be in any currency, with the rate you were actually charged rather than one fetched from a feed.
Nothing is uploaded and nothing is stored. Incomes, bills, and expense lists stay in the page and are gone when the tab closes. The trip settler’s shareable link works by packing the whole trip into the URL itself, which is what lets it exist at all without an account or a database — and means the link cannot expire or be deleted from under you.
FAQ
Do I need an account to split a bill or a trip?
No. There is no signup and no server involved — every figure is calculated in your browser as you type, and closing the tab is all it takes to delete everything.
How does the trip settler decide who pays who?
It works out each person’s net position — what they paid minus what they consumed — then finds the shortest list of payments that brings everyone to zero. For groups up to twelve people this is the genuine minimum number of transfers, computed by finding the largest number of subgroups whose balances cancel out.
Can it handle expenses in more than one currency?
Yes. Each expense keeps its own currency and is converted into whichever currency you are settling in, at rates you enter yourself. Rates are not fetched from anywhere: that would mean a network call, and the number that actually settles a trip is the rate your card was charged on the day rather than today’s market rate.
Why do the split amounts sometimes differ by a cent?
Because most totals do not divide evenly. Rather than rounding each share independently and ending up a cent short of the bill, the odd cents are given to the largest fractional shares, so the parts always add to exactly the total.
Should rent be split by income or evenly?
That is a household decision rather than a mathematical one, which is why the rent splitter offers both and a dial between them. It also shows each person’s share as a percentage of their income, which is usually the figure that makes the conversation productive.