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Who owes whom? A debt-simplifying calculator
Type the names and add what each person paid; everyone's net balance and the way to settle with the fewest payments appear automatically. Expenses are split equally between everyone.
The starting values are an example; replace them with your own.
How it works
The total is divided by the number of people to get each share. A person's share is subtracted from what they paid: positive means they are owed, negative means they owe. People who owe pay people who are owed in proportion to their balances, so six separate debts usually shrink to one or two payments. We explain the logic with an example in our guide to tracking who owes what.
Limits
This calculator splits every expense equally. For custom shares, Ev Ortağım lets you choose equal or custom shares and close payments with both sides' approval.
Frequently asked questions
How do I work out who owes whom?
Divide the total by the number of people to get each share, then subtract the share from what each person paid. Positive means owed, negative means owes.
What is debt simplification?
Netting out the debts people owe each other so they can be settled with as few payments as possible.
Can I split with unequal shares?
This tool splits equally. For custom shares, use the Ev Ortağım app.