Trip Expense Splitter: log who paid, see who owes whom

The most common method is net balances: subtract what each person should pay from what they actually paid. People with a positive balance get money back, people with a negative balance pay, and the differences are settled with as few transfers as possible.

Pick one settlement currency first, convert every foreign-currency expense into it at an exchange rate, then split. The tool can load reference rates, and you can replace them with the actual card or cash exchange rate you got.

No. The ledger is compressed into the part of the link after #, so it only lives in the link and in your browser. The website never receives or stores your expenses.

Yes. Every expense has its own list of people who share it, and only the people ticked split that cost evenly. For example, friends who didn't drink can skip the bar bill.

The tool doesn't settle expense by expense. It offsets everything each person paid and owes, keeps only the net balances, then matches the largest debts with the largest credits, so N people usually need at most N−1 transfers.

Yes. On iPhone, open this page in Safari, tap Share, then “Add to Home Screen”. On Android, open it in Chrome, tap ⋮ and choose “Add to home screen”. It then opens like an app with nothing to download, and your ledger stays saved on that phone.

Yes. After you tap “Share link with the group”, anyone who opens the link sees the full ledger and how much each person owes, with no sign-up or install. You can also tap “Copy summary” and paste it into your group chat.

Yes. Each person shares their ledger link with the other. When it is opened, the tool recognizes the same trip and merges both sets of expenses, skipping duplicates and keeping deleted items deleted. Share the link once more afterwards and everyone has the same ledger.

Tap “Mark as paid” under each transfer in the results. The tool records the repayment, recalculates the remaining transfers, and shows how many are settled and how much is left. Links and summaries you share afterwards list who has paid and who hasn't, so nobody who already paid gets chased. Payment records merge along with the ledger.

Apps like Splitwise need every traveler to download and sign up, which suits ongoing shared expenses. This tool works in the browser with no account, and friends only need the link to see the same ledger, which is ideal for settling up when a single trip ends. There is no live cloud sync, but ledgers logged separately can be merged by swapping links.

No. It runs in any phone or computer browser. Your data is saved in your browser automatically, and the share link lets you continue editing on another device.