Free Group Expense-Splitting Excel Template, Formulas Included

What's in this Excel template

The group expense-splitting Excel template has 3 sheets: 'Khoản chi' (Expenses) for logging each expense, 'Thành viên' (Members) for the summary of each person's balance, and 'Kết quả' (Results) with usage instructions and a sample data table. All 3 sheets already have formulas built in — you just fill in your group's numbers.

The file works directly in Excel or Google Sheets, no extra setup needed. You can download it for free from the Chitipay splitting-tool page and reuse it for as many group splits as you like.

How to use the Expenses sheet

Each row in the 'Khoản chi' (Expenses) sheet is one expense: name, amount, who paid, followed by a separate column for each member (An, Bình, Chi, Dũng, Hà). For each expense, mark an 'x' in the column of everyone who participated in it — not by default marking everyone.

The 'Chia mỗi người' (Share per person) column already has a formula that divides the amount by the number of people marked 'x', so you don't have to calculate it yourself. This is also where the rule of only splitting among actual participants applies: if only a few people used something, only mark those people.

How to use the Members sheet and read the balances

The 'Thành viên' (Members) sheet automatically sums up, for each person: 'Đã trả' (Paid) is the total they spent across all expenses, 'Phải chịu' (Owes) is their total share based on the expenses they're marked 'x' for, and 'Số dư' (Balance) = Paid minus Owes.

A positive balance means that person paid more than their share, so they're owed money; a negative balance means they still owe and need to transfer more. Everyone's balances should always sum to exactly zero — if they don't, an expense was entered incorrectly or missed.

The sample data already in the file

The template comes with 3 sample expenses for a group of 5 (the sheets are in Vietnamese, with amounts in Vietnamese đồng): a 2-night hotel stay of 3,000,000đ paid by An (all 5 participate), a seafood dinner of 1,250,000đ paid by Bình (all 5 participate), and a motorbike rental of 600,000đ paid by Chi where only An, Bình, and Chi participate — Dũng and Hà aren't marked since they didn't use it.

The results come out to: An +1,950,000đ, Bình +200,000đ, Chi -450,000đ, Dũng -850,000đ, Hà -850,000đ — summing to exactly zero. The motorbike rental in this example illustrates exactly the rule of only splitting among actual participants, not the whole group.

Limits of the Excel template vs. an automated tool

This Excel template only calculates each person's balance — it doesn't suggest who should transfer to whom to minimize the number of transfers. Matching negative balances with positive ones is something you have to do yourself. Marking participants is also manual, row by row, with no bulk-select option.

The file also doesn't apply any automatic rounding rule — if a division produces an odd fraction, you have to decide how to round it yourself. On top of that, it's a static file that gets emailed back and forth or kept by one person, with no shareable link for the group to view live, and no automatic sync across devices.

When to switch to an automated tool

The Excel template works well for a small group, few expenses, and when you don't mind working out the final transfers by hand. As the group grows, expenses pile up and overlap, or you want the whole group to see live numbers, an automated splitting tool saves a lot more time.

An automated tool handles everything the Excel template can't yet: suggesting the fewest possible transfers, applying rounding consistently, and giving the whole group access to the same link to see the latest balances.