# Split Bill Calculator - Split Group Expenses & Settle Up with Fewest Payments

> Free online bill splitter for trips and dinners: add people and expenses, split equally, by share or by amount, and settle with the fewest transfers.

- URL: https://qilingtools.com/en/split-bill
- Category: Productivity (https://qilingtools.com/en/office)
- Tags: [Finance](https://qilingtools.com/en/tags/finance), [Everyday Life](https://qilingtools.com/en/tags/life), [Productivity](https://qilingtools.com/en/tags/office)
- Last updated: 2026-10-26
- Price: Free, no sign-up
- Privacy: Runs locally in the browser; files are never uploaded

On trips, group dinners and in shared flats, different people keep paying for different things, and working out who owes whom is a chore. Enter the people and every expense — amount, who paid and who took part — and choose how to split it: equally, by shares (say 2 for adults and 1 for kids) or by exact amounts when everyone ordered their own. You can also add a tip or service charge percentage. The panel on the right shows what each person paid, their share and their balance, and plans the fewest transfers to settle up — n people never need more than n−1 payments. Copy the summary text straight into your group chat, or copy a share link that opens the same bill for everyone. Amounts are calculated in whole cents with largest-remainder rounding, so shares always add up exactly.

## How to use

1. Add everyone involved (paste several names separated by commas)
2. Enter each expense: amount, who paid, who shares it and how
3. Read the balances and fewest transfers, then copy the summary or a share link

## Features

- Split equally, by shares or by exact amounts
- Different payer and participants for every expense
- Tip / service charge added proportionally
- Fewest-transfers settlement (at most n−1 payments)
- Exact cent arithmetic with largest-remainder rounding
- One-click summary text for group chats
- Share links that keep the bill in the URL, not on a server
- Autosaves in your browser; any currency symbol

## FAQ

### How are the fewest transfers worked out?

First each person’s balance is computed (paid minus share): positive means they should get money back, negative means they owe. Exact matches are paired first, then the person who owes the most repeatedly pays the person who is owed the most until everyone is square. That needs at most n−1 transfers for n people — usually far fewer than paying back each expense separately.

### What happens to leftover cents?

Everything is calculated in whole cents. Splitting 100.00 three ways gives 33.34, 33.33 and 33.33 — the extra cent goes to one person using the largest-remainder method, so the shares always add up exactly to the total and no cents appear or vanish.

### What if someone skipped part of it or kids pay less?

Every expense has its own list of participants, so people who weren’t involved don’t pay. Use “By shares” for proportional splits (adult 2, child 1), or “Exact amounts” when everyone ordered separately — the tool tells you how much is still unassigned or over the total until it matches.

### Is my data uploaded? How do I share the bill?

Nothing is uploaded. The bill is saved automatically in your browser’s local storage. “Copy share link” encodes the whole bill into the part of the URL after the #, so anyone opening the link sees the same expenses and settlement without the data ever touching a server. You can also just paste the summary text into your chat.

## Related tools

- [QiLing Mind](https://qilingtools.com/en/mindmap): QiLing Mind is a free online mind map editor: add nodes with Tab/Enter, drag to restructure, import and export XMind and Markdown, export PNG/SVG/PDF.
- [Password Generator](https://qilingtools.com/en/password): Free online random password generator: choose length, character sets and look-alike exclusions, generate several at once with a strength meter, all locally.
- [QR Code Generator](https://qilingtools.com/en/qrcode): Free online QR code generator: turn URLs, text, Wi-Fi or contact cards into QR codes with custom size, colour and error correction. Crisp PNG or vector SVG.
- [Word Counter](https://qilingtools.com/en/word-count): Free online word counter: live counts of characters with and without spaces, words, CJK characters, lines, paragraphs, sentences, bytes and reading time.
- [Case Converter](https://qilingtools.com/en/case-convert): Free online case and naming converter: get UPPERCASE, lowercase, Title Case, camelCase, PascalCase, snake_case, kebab-case and CONSTANT_CASE at once.
- [Lorem Ipsum Generator](https://qilingtools.com/en/lorem): Free online Lorem Ipsum generator: classic Latin placeholder text or Chinese filler by paragraph, sentence or word, with one-click copy for mockups.
- [Sort & Dedupe Text](https://qilingtools.com/en/text-sort): Free online text tool: sort lines alphabetically or by length, remove duplicate and empty lines, trim whitespace, optionally ignoring case. Runs locally.
- [Sign & Stamp PDF](https://qilingtools.com/en/pdf/sign): Free online PDF signing tool: drop in a handwritten signature or company stamp, drag it into place on a page preview, adjust size and opacity, then export.