What this tool does
You enter the receipts from one trip. It works out what each person owes, converts every receipt at the reference rate of the day it was paid, and reduces who-owes-whom to a short list of transfers. The calculation runs in your browser. What you enter stays on this device unless you create a share link.
The rules it applies
- Rate of the day. A receipt is converted with the reference rate published for its payment date, not today's rate. Rates are based on the European Central Bank's reference rates wherever the ECB publishes one, and on an open daily market aggregate for other currencies; the methodology page lists which currency comes from where, and the dates held. If your card charged a different amount, enter that instead and it wins.
- Whole minor units. Amounts are split in cents, pence or yen, never fractions. Leftover units go one each to people in list order, so the parts always add back to the total.
- Few transfers. The largest negative balance is paired with the largest positive one, again and again, so a group needs at most one fewer transfer than it has people. That is not always the absolute minimum, but balances never change, only the route.
How to read the result
A plus means the group owes that person; a minus means they owe the group. The balances always add up to 0.00. If they do not, something is inconsistent and the page says so rather than hiding it.
What it does not do
- It settles a trip after it ends. It is not a live tracker several people edit at once.
- It is not your bank's rate. Card issuers add their own margin, which is why you can overwrite any amount.
- It does not move money. It tells you who should send what.
Every result is a reference estimate for the group to agree on; the disclaimer says what that covers.
An example
Common questions
Which exchange rate is used for a receipt?
The reference rate of the day the receipt was paid, not the day you settle up. If no rate was published that day, the last one before it is used. Rates are based on the European Central Bank's reference rates wherever the ECB publishes one, and on an open daily market aggregate for other currencies.
What if my card charged a different amount?
Enter what your card charged on that receipt. That amount is used as it is, and the reference rate is not used for it. This is also the way in for a receipt older than the rates the site holds.
Do the others need to sign up or install an app?
No. One person enters the receipts and shares a link to the group chat. Everyone else opens it in a browser and sees their own balance and the working behind it, without an account.
Can a receipt be split between only some of the group?
Yes. Each receipt is split between everyone or the people you pick, such as a room, a car or the people who ordered drinks. The others pay nothing toward it.
How many transfers will there be?
The largest negative balance is paired with the largest positive one, again and again, so a group needs at most one fewer transfer than it has people. That is not always the absolute minimum, but the balances stay the same; only the route changes.
How long does a share link last?
A shared settlement is deleted automatically 365 days after it was created. To delete one earlier, email us the link; the address is on the contact page.
Check it yourself
The methodology page works through every rule with its own examples, so any number here can be reproduced by hand. If one cannot, send us the receipt from the contact page. The guides cover the decisions around the arithmetic, such as which exchange rate is fair and what to agree before the trip. Why the site exists and who runs it is on the about page.