Micro utility

Cost Splitter Calculator

Split a shared bill by equal shares, exact amounts, percentages, ratios, or usage days, then turn the final balances into the fewest possible payback steps.

Bill setup

Start with the shared cost

Keep the bill simple up front: subtotal, shared tax, and tip.

Bill label

SubtotalThe main shared amount before tax or tip.

USD

TaxOptional shared tax or service charge.

USD

TipOptional gratuity or extra shared fee.

USD

Live bill total

$0.00

$0.00 + $0.00 + $0.00 = $0.00

Group setup

Choose the split, then add people

How should the bill be split?

Everyone included pays the same amount.

Split mode

Best for most everyday meals, taxis, and simple shared bills.

Split mode

EqualEveryone included pays the same amount.ExactType each member's final share directly.PercentagesAssign percentages that should total 100%.SharesUse weighted parts like 2 shares and 1 share.Days / usageSplit by days stayed or measurable usage units.

Name

Owes

$0.00

Paid

$0.00

Net

Settled

$0.00 / 2 = $0.00

Who paid?

One payerFastest option for one card or one cash payment.Multiple payersUse this when several people covered different parts.

Paid byPick the person who covered the whole bill.

Summary

What the group sees right now

Total bill

$0.00

Untitled split across 2 included members.

Mode

Equal

Split

Balanced

Owed total: $0.00

Members

People in split

Split needs attention

Enter a bill above $0.00 to create a live split.

Settlement

Who pays whom

Finish the split first

The calculator waits until the owed total and paid total both match the bill before it suggests payback steps.

Worked example

Worked example: splitting a shared dinner with mixed payments

This shows the kind of real split this tool is best at solving: one final bill, a couple of partial payments, and a settlement that still needs to be clean.

Scenario

Three friends share one dinner bill. Aoife pays the main card charge, Ben covers a smaller part of the bill, and Cara has not paid yet.

Example assumptions

Dinner subtotal is $120.00, tax is $10.00, and tip is $18.00.
Aoife paid $100.00, Ben paid $48.00, and Cara paid $0.00.
The split mode is Equal, so the calculator divides the full total across all 3 members and then simplifies the payback steps.

How the split lands

Total bill: $148.00
Equal share per person: $49.33 to $49.34
Settlement steps: Cara pays Aoife $49.34; Ben pays Aoife $1.33

Worked example math

$120.00 + $10.00 + $18.00 = $148.00; $148.00 / 3 = $49.33 with one share rounded to $49.34

The real value here is not only calculating each share. It is reducing the finished balances into the shortest possible settlement list.

How it works

See the current math behind the split

The bill total, share allocation, and settlement steps stay visible so nobody has to trust a black box.

Bill formula

$0.00 + $0.00 + $0.00 = $0.00

Split rule

$0.00 ÷ 2 = $0.00

Split the full bill evenly across the included members.

Settlement logic

Each member's net balance is simply what they paid minus what they owe. The calculator then matches the biggest debtor with the biggest creditor until all balances reach zero, which removes circular paybacks and keeps the final list short.

Member 1

Settled

$0.00 / 2 = $0.00

Paid $0.00 and netted out to $0.00.

Member 2

Settled

$0.00 / 2 = $0.00

Paid $0.00 and netted out to $0.00.