Free group expense-splitting tool
Enter members and shared expenses, and the tool calculates everyone's balance and suggests who should pay whom with the fewest transactions. Completely free, no login required — your data stays only in your browser.
Result
When should you use a splitting tool?
Anytime a group shares expenses: traveling, dining out, renting together, shared purchases, or organizing an event. Instead of doing mental math or arguing over who owes what, just log each expense and who paid — the tool handles the rest.
How it calculates who owes whom
Each expense is split evenly among its participants. The tool tallies up what each person paid against what they owe to get a balance: whoever overpaid should be reimbursed, whoever underpaid needs to chip in. It then consolidates these into the optimal transfer plan, minimizing the number of transactions.
Use Chitipay to save groups and share results
This web tool is great for a quick one-off split. When you need to save multiple groups, track several trips, and sync across devices, use the Chitipay app — still free for core features, works even without a network, and lets the whole group update expenses together.