Free split-bill calculator
Tell us who paid what. We compute the minimum number of transfers to settle the group — no signup, no math, no spreadsheet.
What is a split-bill calculator?
A split-bill calculator takes a list of shared expenses — who paid, how much, and who shared the cost — and tells you the minimum number of payments needed to settle everyone up.
How the math works (debt simplification)
The algorithm computes each person's net balance, then pairs the biggest creditor with the biggest debtor and transfers the smaller of the two amounts. It repeats until everyone is at zero. This is the same algorithm TripCount uses inside the app.
When to use it
Group trips, shared flats, group dinners, bachelor parties, family vacations — any situation where one person fronts a payment for the group.
Privacy of this calculator
Runs entirely in your browser. The numbers you type never leave your device. No analytics, no logging.
Want the full app?
TripCount: free trips with AI receipt OCR, multi-currency with live FX, end-to-end encryption, one-tap Bizum/Revolut/PayPal settle-up. https://trip-count.com
FAQ
Is this calculator free?
Yes — no signup, no ads, no analytics. The calculator runs entirely in your browser at no cost, with no hidden upsell.
How is the minimum number of transfers computed?
The algorithm computes each person's net balance, pairs the biggest creditor with the biggest debtor, and transfers the smaller of the two amounts. It repeats until every balance is zero. The result is at most N−1 transfers for N people — the same approach Splitwise and Tricount use internally.
Does it support multiple currencies?
The calculator on this page is single-currency. For multi-currency trips, the full TripCount app captures the FX rate at the moment of each expense and settles in your chosen base currency.
Are my numbers sent to a server?
No. The math runs in your browser. The page does not log, track or transmit the values you enter.
