WHO OWES WHO?

Instead of having every person pay each other back individually, the algorithm calculates everyone’s net balance (total paid minus fair share) and matches the largest debtor with the largest creditor to minimize transactions.

Yes, you can exclude specific people from expenses they didn’t participate in (e.g. alcohol or excursion tickets).

It splits shared trip expenses and finds the minimum payments to settle up — enter your expenses above.

Add everyone's spending above and the tool calculates who owes whom, with the fewest transfers.