Bill Splitter & Settle-Up Calculator
Divide a restaurant bill by what each person actually had, not just by the number of people. Tip and service are shared in proportion to each order, every penny is accounted for, and the settle-up step works out the fewest payments needed to square everyone up.
Who is splitting?
What is on the bill?
Tick who had each item. Leave every box unticked and the item is shared by everyone.
What everyone owes
Settle up
Enter what each person actually paid to see the fewest transfers that square everyone up.
What Bill Splitter does
Split by what people ordered
Tick who had each item. Someone who only had a coffee pays for a coffee, not a quarter of everyone else's steak.
Tip shared in proportion
Tip and service are divided by what each person's food actually cost, which is what most people mean by splitting fairly.
Every penny accounted for
Amounts are handled in whole pennies, and any remainder from an uneven split is handed out rather than rounded away — so the shares always add up to the bill exactly.
Settle up in the fewest payments
Four people who owe each other do not need twelve transfers. Debts are netted off, so most groups settle in two or three.
Catches mistyped payments
If what everyone paid does not match the bill, you are told — instead of the difference quietly landing on one person as if they were owed it.
Nothing is uploaded
Who you ate with and what you spent stays in your browser. No account, no sync, no server.
How it works
List who is splitting
Add everyone at the table and name them so the result is readable.
Add the items
Enter each line of the bill and tick who had it. Leave the ticks empty for anything shared by everyone.
Set tip and service
Enter a percentage. It is divided in proportion to what each person ordered.
Enter who paid, and settle
Put in what each person actually handed over to get the shortest list of payments that squares everyone up.
How people use it
Dinner with friends
The classic case: one card pays, three people had wine, one person had a starter and everyone forgets by the time the card machine arrives.
Shared household costs
Split a shop, a utility bill or a group present where people contributed different amounts.
Group trips
Over a weekend everybody pays for something. Enter what each person covered and settle the whole trip in a few transfers.
Team lunches and expenses
Work out exactly who owes what when one person expenses the bill and the rest pay them back.
Frequently asked questions
How is the tip divided?
In proportion to what each person ordered. If your food came to a quarter of the bill, you pay a quarter of the tip. This is usually what people mean by splitting fairly — an equal share of the tip would mean the person who had a salad subsidises the person who had the steak.
What happens when the split does not divide evenly?
Someone gets the extra penny. £10 between three people cannot be equal, so the shares are £3.34, £3.33 and £3.33 rather than three roundings that add up to £9.99. Every calculation here works in whole pennies for the same reason: the per-person totals always sum to the bill exactly.
What does 'settle up' actually do?
It nets off who is owed against who owes, then produces the shortest sensible list of payments. If Ana is owed £30 and Ben and Cal owe £15 each, that is two payments — not everyone paying everyone. For a group of four it means at most three transfers instead of up to twelve.
What if an item was shared by only some people?
Tick only those people for that line and it is divided between them. A bottle of wine shared by three of five diners is charged to those three. If you leave every box unticked, the item is treated as shared by everyone.
It says the payments do not match the bill — what does that mean?
The amounts entered as paid add up to more or less than the bill total, which usually means a typo. It matters because the calculation would otherwise still balance: the difference would sit on one person's line looking exactly like money they are genuinely owed.
Is my bill saved or uploaded?
No. Everything is calculated in your browser, and nothing is stored or sent anywhere. Closing the tab clears it, so copy the result out if you need to keep it.
Last updated 2026-08-22