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🧮 Split bills calculator – who owes whom

Add the people and what each of you paid. Split every expense equally or by income, and see who pays whom in as few payments as it takes. Splitting rent? Use the rent tab to split by room size, income or a mix. Nothing you type leaves your browser.

👥 People

Name and monthly take-home pay. Income is optional – it is only used when you split by income. Up to 20 people.

🧾 Expenses

One line per bill or receipt: what it was, who paid and who shares it.

Total spent $0

💸 Who owes whom?

Never more payments than one less than the number of people.

Each person

Split bills by income or equally – and settle up

Updated October 1, 2026

Shared bills get messy fast. One person pays the electric bill, another buys groceries, a third covers the internet, and after a month nobody remembers who is ahead. Add each expense as it happens and this calculator keeps the running total, then tells you who owes who – or, to be proper about it, who owes whom – in a short list of payments.

Equal splits are simple, but they can feel unfair when incomes are far apart. Here every expense gets its own rule: split equally, or split by income so each person pays the same share of what they earn. Mix them freely – rent by income, takeout equally.

A split rent calculator with income

In the rent tab, enter the rent, each bedroom's size and, if you like, each person's income. Then choose how much income should count – from 0% (room size only) to 100% (income only). You see each person's rent and what share of their income it is.

Tips for splitting with roommates

  • 📝 Add expenses when they happen, not at the end of the month
  • 🤝 Agree on the split rule before the bill arrives
  • 🔁 Settle up on a regular day so balances stay small
  • 🔗 Share one link so everyone sees the same numbers

Planning the whole month for your household? Try the household budget calculator.

Questions about splitting bills and rent

Agree on a rule before the first bill arrives. Splitting equally is the simplest. Splitting by income means each person pays the same share of what they earn. Here you choose the rule per expense, add who paid and who shares it, and the calculator works out who owes whom.
Each person pays the same percentage of their income. Add up everyone's monthly income, and each person's part of a bill is their income divided by that total. If one person earns 60% of the combined income, that person pays 60% of the bill. Choose “By income” on an expense and enter each person's monthly income.
An expense split by income needs an income for everyone who shares it. If one is missing, the calculator splits that expense equally and says so on the page, so nothing changes without you seeing it.
One way is to split rent by room size, so a bigger room pays a bigger part. Enter each room's size in square feet and each person's rent follows their share of the total floor area of the bedrooms. Leave the sizes blank and the rent is split equally.
There is no single right answer. At 0%, rent follows room size only. At 100%, it follows income only. At 50%, room size and income count the same. Try a few settings, look at what each person would pay and how much of their income that is, and pick the one your household agrees is fair.
It adds up what each person paid and what each person's share was. Anyone who paid more than their share gets money back, and anyone who paid less owes. It then pairs the people who owe with the people who are owed, so the group never needs more payments than one less than the number of people.
No. For each expense you choose who shares it. If only two people took a cab, only those two split it, and nobody else's balance changes.
Everything is stored in your own browser with localStorage and is never sent to a server. A share link carries the numbers inside the link itself. Whoever opens it gets their own copy, and changes they make don't reach you.