Trip Expense Settler
Add every expense from the trip, get the shortest list of who pays whom.
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The trip
Everything is converted to this currency.
Expenses
Who owes who
All square! Either nothing’s been added yet, or everyone has paid their share.
Per person
| Person | Paid | Their share | Net |
|---|---|---|---|
| Person 1 | $0.00 | $0.00 | $0.00 |
| Person 2 | $0.00 | $0.00 | $0.00 |
| Person 3 | $0.00 | $0.00 | $0.00 |
A positive number means the group owes that person; negative means they owe the group. It always adds up to zero.
Send it round
The whole trip is packed into the link itself, so there is nothing stored anywhere and the link cannot expire. That does make it long — a trip with dozens of expenses can produce a link some chat apps will wrap awkwardly, and the CSV is the safer way to send a big trip on.
Your files stay on your device
How to use it
List each trip expense, who paid, and who shared it. You get the fewest payments needed to settle up the group, in any currency. Share it all with one link.
Back from a trip where everyone paid for different things? Add each expense: what it was, how much, who paid, and who it was shared between. Three of you split a taxi? Tick just those three.
You get the shortest possible list of payments to settle everyone up. Instead of everyone paying everyone back — a dozen transfers for five people — it’s usually just three or four.
Two people paid for one thing? Tap “more than one person paid” and enter what each put in.
Paid in different currencies? No problem — enter the exchange rate you were charged. Share the whole trip with one link so everyone can check and edit, or download it as a spreadsheet (CSV). The link never expires.
FAQ
What if two people paid for the same thing?
Tap “more than one person paid” and enter what each put in.
How do you work out who owes who after a trip?
Compare what each person paid with their share of what they used. The tool then finds the shortest list of payments to even it out.
Is it really the fewest payments?
For up to 12 people, yes, guaranteed. For bigger groups it’s very close, and the page tells you.
Can people pay in different currencies?
Yes. Enter the exchange rate you were charged.
Do I have to include everyone in every expense?
No. Tick only the people who shared each one.
Is any of this saved or sent anywhere?
No. The share link holds the whole trip, so nothing is saved anywhere.
How it worksFor the curious
Each expense is divided between its participants in whole cents and credited to its payer(s), giving everyone a net position (paid minus consumed). Positions always sum to zero; an indivisible cent goes to the first person in the split.
Settlement finds the largest number of subgroups whose balances cancel among themselves; a group of size k can always be settled in k − 1 payments, so maximising subgroups minimises transfers. For up to twelve people with a balance this is a proven minimum. Beyond that the exact search is too slow to run as you type, so a near-minimal result (at most one payment per person) is used and the page says so.
Exchange rates are entered rather than fetched — a fetch would be a network request, and the rate that settles a trip is the one on your card statement. The share link encodes the whole trip in the URL, so there is no database, nothing can expire, and a long trip makes a long link.