Free tool
Split Expense Calculator
Add what everyone paid. See each person’s share and who needs to pay whom.
Your calculations stay in this browser unless you choose to continue in You Owe Me.
Add the shared costs
Add one row for each payment. Choose who paid and who shared that expense.
People (3): edit names or remove people
Example — edit the details or choose Clear all.
Expenses
Everyone selected shares that expense equally. If several people paid, enter a separate expense for each payment.
Your calculations stay in this browser unless you choose to continue in You Owe Me.
Use this for dinners, trips, groceries and other shared purchases. Each expense can have a different payer and a different set of people sharing it. If someone ordered less, choose a fair split method before entering the amounts.
Use it as a who owes what calculator
For each person, compare what they paid with their share of the included expenses. Someone who paid more than their share should receive money; someone who paid less should send money. The net balance is the difference, so settling up does not mean paying a full share again.
How to split money equally
Each person’s share = total amount ÷ number of people. For a simple equal split, add the total as one expense, add the people, and keep everyone selected. If someone paid upfront, their own share is included; the others repay only their shares.
- $98 shared between 8 people = $12.25 each
- $90 split between 3 people = $30 each
When two people paid different amounts
Assume both costs are shared equally between the two of you. If your friend paid 1,200 kr for food and you paid 400 kr for drinks, the shared total is 1,600 kr. Split equally, each person’s share is 800 kr. You already paid 400 kr, so you send your friend 400 kr—not 800 kr.
Enter the food and drinks as two expenses, choose the person who paid each one, and include both people in both expenses.
Planning a group trip before anyone pays? Decide when trip shares should be collected before booking, before departure, or later.
What this split expense calculator does
Split one bill or several shared purchases. For each expense, choose who paid and who was included; the result shows the transfers needed to settle up.
Ready to ask for repayment? Read the polite reminder guide, write a custom message, or choose a reminder text.
If you paid first and people will pay you back later, read how to track who paid you back for a group expense so the split does not disappear into chat messages.
After someone pays their part, use the Repayment Receipt Generator to confirm what was paid, what it covered, and whether the split is settled.
Splitting several roommate bills for the month, like rent, utilities, groceries, supplies, repayments, or a balance from last month? Use the Roommate Bill Split Calculator instead.
Splitting partner expenses across groceries, rent, subscriptions, trips, or transfers? Use the Couple Shared Expense Balance Calculator when you need 50/50, custom, income-based, or category splits for two partners.
How to split expenses
- Add everyone involved.
- Add each expense amount.
- Choose who paid for each expense.
- Select who should share each expense.
- Check the settlement to see who owes whom.
For simple situations, this may be enough. For ongoing shared costs, partial repayments, or money that keeps moving back and forth, use the Running Balance Calculator to see the current balance after each expense and repayment.
Example: splitting groceries, dinner, and a taxi
Alex, Mia, and Sam are sharing some costs.
| Expense | Paid by | Split between / included people |
|---|---|---|
| Groceries — $90 | Alex | Alex, Mia, Sam |
| Dinner — $60 | Mia | Alex, Mia, Sam |
| Taxi — $30 | Sam | Alex, Sam |
The calculator adds what each person paid, calculates each person’s fair share for the expenses they were included in, and then simplifies the result into the smallest practical set of repayments. Result: Sam owes Alex $25. Sam owes Mia $10.
Equal, selective, and custom splits
Equal split: everyone selected on an expense pays the same share.
Selective split: only the included people share that specific expense. If three roommates share groceries, include all three people. If only two people shared a taxi, include only those two people for that taxi expense.
Custom, unequal, or income split: this calculator does not do weighted percentages or custom shares. For couples, custom, income-based, category-based, or transfer-aware splits, use the Couple Shared Expense Balance Calculator. For rent, utilities, groceries, and monthly roommate settle-up, use the Roommate Bill Split Calculator. When expenses and repayments happen over time, use the Running Balance Calculator.
The split is settled. The repayments may take longer.
Knowing the shares is the first step. If someone pays half today and the rest next week, you also need to know what remains.
You Owe Me keeps shared costs and recorded repayments together. Check the balance with each person, add a reminder for yourself, and share the history when someone needs the details.
If you paid for one shared thing and people will repay you at different times, this calculator can show the initial split. After that, use the Group Payback Calculator to check who paid, who partly paid, and who still owes, or use the Group Payback Tracker when the payback list needs to stay updated over time.
If one person paid first and the shares are now clear, use the group reminder workflow to decide what to post in the group chat and when to follow up privately.
Need the current balance over time?
If this is not just one shared bill, but a history of expenses and repayments between two people, try the Running Balance Calculator first. It shows how the balance changes after every row.
If this is no longer one bill and you are deciding between a spreadsheet and an app, read the spreadsheet vs app comparison.
If you need more than one split and are comparing shared expense apps with running balance apps, read the Shared Expense App vs Running Balance App comparison. If the specific decision is Splitwise-style tracking vs You Owe Me, read the Splitwise alternative comparison.
Try the Running Balance CalculatorFor ongoing parent-related bills, sibling reimbursements, recurring family charges, or purchases made on behalf of relatives, the family reimbursement tracker is a better fit than recalculating each time.
For one monthly roommate settle-up, use the Roommate Bill Split Calculator. If you first need fair household rules, read the guide to splitting rent, utilities, and groceries with roommates. For ongoing rent, utilities, groceries, household supplies, and repayments over time, see the Roommate Expense Tracker.
For repeated roommate costs like rent, utilities, groceries, and repayments, read how to track money between roommates instead of treating every bill as a separate split.
With You Owe Me, you can:
- track shared expenses over time
- track a Group Payback until everyone pays
- see who owes whom at any moment
- record partial repayments
- add recurring expenses
- send clearer repayment updates
- share a statement when someone needs context
Related guides and tools
Someone canceled after the group had already agreed? Recalculate the shared cost after the cancellation first. Use this calculator only when each expense is shared equally among its selected participants; keep custom revised shares in the cancellation planner.
Split expense calculator FAQ
What is a split expense calculator?
A split expense calculator divides shared costs between people and shows who owes whom after accounting for who paid and who was included in each expense.
Can this calculator show who owes what?
Yes. Add people, expenses, who paid, and who should share each expense. The calculator shows each person's fair share, net balance, and settlement instructions.
Is this a who owes who calculator?
Yes. Enter who paid and who shared each expense. The result shows each person’s share, their net balance, and who needs to pay whom.
Can I split one total evenly between people?
Yes. Add the total as one expense, add the people, keep everyone selected, and the calculator will divide the total evenly. For example, $98 shared between 8 people is $12.25 each.
Can I exclude someone from one expense?
Yes. Only select the people who should share that specific expense. If someone was not part of a taxi, meal, or purchase, leave them unchecked for that expense.
Can this split expenses unevenly or by percentage?
No. This calculator uses equal shares for the people selected on each expense. For couples, custom, income-based, category-based, or transfer-aware splits, use the Couple Shared Expense Balance Calculator. For rent, utilities, groceries, and monthly roommate settle-up, use the Roommate Bill Split Calculator. For expenses and repayments over time, use the Running Balance Calculator.
Can I use this for more than one expense?
Yes. Add each expense separately, choose who paid, and select the people who should share that cost. The calculator combines everything into one settlement result.
Can I use this for roommates?
Yes. It works for simple roommate costs and one-off bills. If you need to combine rent, utilities, groceries, supplies, repayments, and previous balances for one monthly settle-up, use the Roommate Bill Split Calculator. For recurring bills or long-term household balances, an app like You Owe Me is easier than recalculating every month.
Can I use this for couples?
Yes. Couples can use it for a simple shared cost when one person paid upfront and both people want a clear result. If you need partner-specific split methods, transfers, or a calmer settle-up summary, use the Couple Shared Expense Balance Calculator.
What if one person should not be included in an expense?
Only select the people who should share that specific expense. For example, if three people are on a trip but only two shared a taxi, include only those two people for that taxi expense.
What is the difference between this calculator and You Owe Me?
The calculator is for quick one-time splits. You Owe Me is for ongoing balances, repayment history, reminders, recurring expenses, follow-up messages, and situations where money between people continues over time.
What if people pay me back at different times after the split?
Use the calculator to find the initial shares. If you need to track who paid, who partially paid, and who still owes after that, use Group Paybacks in You Owe Me so the shared cost stays organized and each person's balance stays clear.
Does the calculator save my data?
No. The calculator runs in your browser and is designed for quick calculations. Calculation stays on this device. Choosing Track repayments sends your names and amounts securely to You Owe Me for a transfer link that expires after 24 hours. It does not create an account.
Keep the record after the split
Use You Owe Me on iPhone or iPad to record the repayments that follow: who paid, how much, and what is still owed. Free to download, with in-app purchases available.
Want to see how people use the app in real life? Read App Store reviews.
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