Add who's in the group and who paid for what. See each person's balance and the fewest payments to settle up. No signup — the whole tab lives in the link you share.
No expenses yet. Add the first one above.
Add people and expenses to see who's up and who's down.
When several people pay for different things on a trip or a night out, "everyone throws in the same amount" is rarely fair — one person covered the hotel, another the taxis, a third nothing yet. The fair way is to look at what each person paid versus what each person owes for the items they were part of, and then move the difference. splittab does exactly that, and then compacts the result into the fewest possible transfers so you don't end up sending five tiny payments back and forth.
| Number | What it means | How it's found |
|---|---|---|
| Paid | Total a person actually put on their card or cash. | Sum of every expense where they are the payer. |
| Share | Total a person is responsible for. | Each expense is divided among the people it was split between; a person's share is the sum of their slice of every expense they took part in. |
| Balance | Whether they're owed money or owe money. | Paid − Share. Positive = the group owes them; negative = they owe the group. |
Three friends — Ana, Ben, Cy — take a weekend trip.
Total spent is $450, so each person's fair share is $150. Ana paid $300 (balance +$150), Ben paid $90 (balance −$60), Cy paid $60 (balance −$90). The naive settle-up is two payments to Ana: Ben sends $60, Cy sends $90. That's already minimal here — but with more people and partial splits the number of raw debts explodes, which is why splittab runs a settle-up step that always finds the smallest set of transfers that zeroes everyone out.
If four people each owe and are owed different amounts, the honest list of "who owes whom" can be six or more separate debts. Most of those cancel out. splittab pairs the biggest debtor with the biggest creditor, settles as much as possible in one transfer, and repeats — so a tangled web of IOUs collapses into two or three clean payments. Fewer transfers means fewer chances for someone to forget, and no money bouncing in a circle.
Not every cost is shared by everyone — one person skipped the museum, two shared a cab. When you add an expense you can untick anyone who wasn't part of it, and that expense is divided only among the people left ticked. Everything else still splits across the whole group. This is what makes the totals actually match reality instead of a flat average.
No. splittab has no login and no server storing your data. The people, expenses and currency are encoded directly into the page's link, so opening the link is opening the tab.
Tap Copy share link and send it to the group. Anyone who opens it sees the current state and can keep adding expenses; when they copy a fresh link back, it includes their additions. There's no live sync — it's a snapshot passed around, which keeps it private and account-free.
Balances are computed with full precision and only rounded for display, and the settle-up transfers are reconciled so the amounts sent always add up to zero across the group — no stray cent left hanging.
Every expense splits evenly among its selected participants. To reflect an uneven share (say one person had the expensive dish), add it as a separate expense split only between the people it applies to.
Splitting costs on a trip → · Splitting a bill with friends →