Settle up
Work out who owes who - in the fewest payments
Ten expenses, five people, everyone owing everyone a bit. Instead of a tangle of transfers, Split Things nets it all off into the smallest possible set of payments.
Free to use - no app install, no signup to join.
The fewest transfers
Rather than everyone paying everyone, we work out the simplest set of payments that makes the whole group square. Nobody sends five separate transfers.
Clear balances, no arguments
Every balance traces back to real expenses, so who owes who is transparent - and you can acknowledge or query anything.
Mark paid, confirm received
Record a payment when it is made; the person owed confirms it. The balance updates and everyone can see it is settled.
How it works
Up and running in a minute
Add all the shared expenses and who paid them.
Split Things nets everyone off into the fewest payments.
Send the transfers, mark them paid, and reach "all square".
Questions
Common questions
How do you calculate who owes who?
Add every shared expense and who paid. Split Things sums each person's share against what they paid, then simplifies the net balances into the fewest payments needed to settle the whole group.
What does "fewest payments" mean?
When everyone owes everyone a little, most of it cancels out. Instead of many small transfers, we find the smallest set of payments that clears every balance.
How do we confirm a debt is paid?
Mark a payment as made and the person owed confirms they received it, so the settlement is agreed by both sides - not just crossed off.
Is the settlement calculator free?
Yes. Working out who owes who and settling up in the fewest payments is free, with no app to install.
Ready to split the warm way?
Start in seconds. Share a link. Reach that satisfying "all square" moment - no one has to install a thing.
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