Who owes who?
Enter what each person paid and get the simplest set of payments to make everyone even — at most one payment per person, no spreadsheet.
Enter at least two people and what they paid to see the settlement.
Settling an actual receipt?
Skip typing amounts entirely. SplitSnap scans the bill with AI, reads every line item, assigns each dish to whoever ordered it, and sends pay-me links with the split — from receipt to settled in under a minute.
Settling up, answered
How do you figure out who owes who in a group?
Add up everything the group spent, divide by the number of people to get the fair share, then compare each person's share to what they actually paid. Whoever paid less than their share owes the difference; whoever paid more is owed it. This calculator then matches debtors to creditors so the group settles in the fewest payments.
What is the minimum number of payments to settle a group debt?
A group of n people can always settle in at most n−1 payments. This tool uses the standard largest-debtor-to-largest-creditor method, which hits that bound and keeps every payment intuitive — the person who owes the most pays the person who is owed the most first.
What if the money all came from one restaurant bill?
When the group's spending is a single itemized receipt, an even split punishes light orderers. The faster, fairer route is scanning the receipt with SplitSnap — its AI reads every line item so each dish is assigned to whoever ordered it, tax and tip are distributed proportionally, and the split card ships with Venmo, Cash App, or PayPal pay-me links so settling happens in the same minute.