All free toolsGROUP EXPENSES · FREE CALCULATOR

Group Debt Settlement Calculator

Enter what each person paid for shared expenses and get an equal-share settlement plan showing who pays whom.

YOUR NUMBERS
People included

Free · no account needed · inputs are not saved

YOUR SPLIT£180.00

All expenses are assumed to include everyone equally. Transfers are suggestions; this tool does not send money.

Contributions that add up to the total
PersonShare
AlexPaid £120.00 · receives £60.00£60.00
SamPaid £60.00 · receives £0.00£60.00
JoPaid £0.00 · owes £60.00£60.00

Suggested payments

Jo pays Alex £60.00

THE PRACTICAL GUIDEExamples, agreements and mistakes to avoid
THE FORMULABalance = amount already paid − equal share of total group spending

How to use this calculator

Change the example numbers to your own. The results update as you type; copy the result to discuss with your group.

  • Add everyone included in all the costs you are combining.
  • Enter each person’s total payments for the shared expenses, excluding reimbursements.
  • Review the suggested transfers, then record payments after they actually happen.

A worked example

Alex pays £120, Sam £60 and Jo £0. Each share is £60, so Jo pays Alex £60; Sam is already settled.

Assumptions to agree before you split

  • Every included expense is shared equally by every listed person.
  • Do not include personal costs, subgroup expenses or reimbursements as original spending.
  • The greedy balance-matching method gives a compact settlement plan; it does not guarantee the mathematically fewest transfers.

Does this send money?

No. It only calculates transfers. Use your usual payment method and check that the recipient received the payment.

What if different people joined different expenses?

This calculator assumes equal participation in all spending. Calculate those subgroups separately or record each expense with its own participants in Splitr.

Done with manual calculations?

Keep the real balances in Splitr.

See how Splitr works