Group Expense Settle-Up Calculator
Enter what everyone paid on a trip or group expense — get the exact minimum payments needed to settle up.
Add everyone in the group and how much each person paid in total. The calculator works out who owes whom.
How Group Settle-Up Works
Add everyone
List each person in the group and the total amount they personally paid.
We find the average share
Total spend divided by number of people = what everyone should have paid.
Minimum transfers shown
Instead of everyone paying everyone, we calculate the fewest payments needed to settle the group. Splitting one bill instead? Use our Split Bill Calculator.
Frequently Asked Questions
What’s the difference between this and the Split Bill Calculator?
The Split Bill Calculator divides a single bill. This tool is for a trip or event where different people paid for different things, and you need to know who owes whom at the end.
Does this minimize the number of payments?
Yes — instead of every debtor paying every creditor, the calculator nets balances so the group settles with the fewest possible transfers.
Can expenses be unequal, like some people not joining every activity?
This calculator assumes an equal share of the total for everyone listed. For expenses only shared by some people, calculate those separately and add the results together.
Is my data saved anywhere?
No — everything runs in your browser only. Nothing is stored or sent to a server.