Trip Expense Splitter
Add who paid for what, split each cost among the right people, and get a clean settle-up — exactly who owes whom, with the fewest payments.
- Free, no sign-up
- Works worldwide
- Instant results
Who’s splitting?
Expenses
Add the people splitting costs, then add expenses to see who owes whom.
How do you split costs fairly on a group trip?
Track who paid for what, split each cost among the people it actually covered, then settle the difference with as few payments as possible. This tool does the maths: enter your group and expenses and it shows each person’s net balance and exactly who should pay whom.
Methodology: All the maths runs in your browser. Each expense is split among the people you choose; every person’s net balance (what they paid minus their share) feeds a greedy settle-up that minimises the number of payments. Amounts are rounded to the nearest cent, and your trip is saved locally with nothing stored on a server. How we test & calculate.
Settle a group trip without the awkward maths
Shared trips get messy fast: one person books the villa, another covers most dinners, someone grabs every taxi. By the end nobody’s sure who owes what. This splitter keeps a running tally — who paid, and who each cost was for — and turns it into a tidy settle-up so the group can square up in a couple of payments instead of a dozen.
How it works
Add everyone splitting costs and pick a currency. For each expense, enter the amount, choose who paid, and tick who it covers (everyone by default). As you go, the tool shows each person’s net balance and the minimal set of payments to settle. Your group and expenses are saved in your browser, so you can keep adding throughout the trip.
Equal or custom splits
Most costs split evenly across the group, and that’s the default. But real trips aren’t always equal — a dinner two people skipped, a room only three shared, an activity only the kids did. Untick anyone a cost didn’t cover and the share recalculates. The payer and the split list are independent, so you can pay for something you’re not part of and be owed it in full.
The settle-up, minimised
Rather than everyone paying everyone, the tool nets each person to a single figure and then matches the largest “owed” against the largest “owes,” settling the biggest amount each time. The result is the fewesttransfers that make everyone square — usually just one or two payments per person.
Tips for fair splitting
Log costs as they happen rather than reconstructing them later; agree up front on what’s shared versus personal; keep everything in one currency (convert foreign spends first); and settle promptly while it’s fresh. If you’re still planning, set expectations early with the trip budget calculator.
Common mistakes to avoid
The usual ones: forgetting who actually paid; splitting personal items across the whole group; mixing currencies in the same list; and settling with a tangle of back-and-forth payments instead of the minimal set. Track as you go and let the settle-up do the rest.
Frequently Asked Questions
It first works out each person’s net position — what they paid minus their share of the costs they were part of. Then it matches the biggest creditor with the biggest debtor and settles the largest amount possible, repeating until everyone is square. That keeps the number of payments to a minimum instead of everyone paying everyone.