Pa-ga-meSplit expenses calculator
Enter who paid for each thing and the calculator instantly shows each person’s share and the payments needed to settle up. Free, no sign-up and nothing to download.
Work out who owes whom
Each expense is split equally among everyone. Your data never leaves your browser.
Total €114.00Each €38.00
Payments to settle up
- Olivia pays €38.00 to Emma
- Liam pays €14.00 to Emma
How to use the calculator
Type everyone’s name and add the expenses with who paid and how much. The result updates as you type: the total, each person’s share and the payments to settle up.
If you need uneven splits, expenses only some people share, other currencies or everyone adding expenses from their phone, create a group in Pa-ga-me: it’s just as free and doesn’t need an account either.
How it’s calculated
For each person, their share is subtracted from what they paid. Anyone in the positive should get money back and anyone in the negative should pay.
Then whoever owes the most is paired with whoever is owed the most, again and again, until everyone is at zero. That way you never need more payments than people minus one.
Example: three friends, two expenses
Emma pays for dinner (€90) and Liam for the taxi home (€24). Olivia hasn’t paid anything.
| Expense | Paid by | Amount | Split among |
|---|---|---|---|
| Dinner | Emma | €90.00 | Everyone |
| Taxi | Liam | €24.00 | Everyone |
Payments to settle up
- Olivia pays €38.00 to Emma
- Liam pays €14.00 to Emma
Each share is €38, and two payments settle everything.
How it works
- Create a group with everyone’s name.
- Share the link: anyone who has it can see the group and add expenses.
- Add each expense and who paid it. Pa-ga-me works out the balances and the payments to settle up.
Frequently asked questions
Is my data saved?
No. The calculator runs in your browser and sends nothing. To keep the accounts, create a group.
Can I split unevenly?
The calculator splits equally. To split by amounts, by shares or among only some people, use a Pa-ga-me group.
Why are there so few payments?
Because debts cancel out: instead of everyone paying everyone, it works out the fewest transfers that bring everyone to zero.
More ways to use Pa-ga-me
- TripsAccommodation, car hire, fuel and dinners: everyone pays for something and nobody knows who owes what.
- Shared flatsElectricity, internet, shared shopping and cleaning supplies, month after month, no spreadsheets.
- Dinners and restaurantsOne pays the bill, another the drinks and someone skipped the wine. Everyone pays their part.
- Parties and eventsStag and hen dos, birthdays, group gifts and getaways: clear accounts among many.
- CouplesHousehold costs split 50/50 or by income, without keeping score in your head.
- How to split expensesThe ways to split group expenses fairly, with examples: equally, by consumption and proportionally.
Get started in under a minute
No accounts, no passwords: create the group, share the link, done.