Settling up

How settling works

Split does the maths in two steps: first each person's balance, then a settlement that needs as few transfers as possible.

Last checked: 3 November 2026

Step by step

1. 1

   Each person's balance

   For each person, Split adds up what they paid and subtracts their share of all expenses. A plus means they get money back; a minus means they owe others.

2. 2

   Income and transfers

   Income works the other way round from expenses: whoever received it owes the others their share. Transfers and payments marked as paid move balances between two people.

3. 3

   Few transfers

   From the balances, Split builds the suggestion: whoever owes the most pays whoever is owed the most – until everyone is at zero. That way you need as few transfers as possible.