Pa-ga-meSplit trip expenses without the arguments
On a trip everyone pays for something: one books the flat, another hires the car, someone does the shopping. Pa-ga-me keeps it all in a shared group and, when you’re back, tells you which payments settle everything.
Why trip accounts get messy
Trips pile up dozens of small expenses and a few big ones, paid by different people and sometimes in different currencies. Doing the maths by hand in a spreadsheet or the group chat ends in mistakes and awkward conversations.
With a shared group everyone adds what they pay as they go, from their phone, and everyone’s balance updates on its own.
What to track
Anything paid for more than one person:
- Accommodation: hotel, flat or campsite.
- Transport: flights, car hire, fuel, tolls and parking.
- Meals, supermarket shopping and dinners out.
- Tickets, excursions and activities.
- Expenses not everyone shares: if someone skipped dinner, split it only among those who went.
Travelling abroad
If you pay in another currency, add the expense as it is: Pa-ga-me converts it to the group’s currency at the day’s exchange rate and keeps the original amount.
Example: a weekend away for four
Emma, Liam, Olivia and Noah spend a weekend on the coast. Olivia skipped Saturday’s dinner.
| Expense | Paid by | Amount | Split among |
|---|---|---|---|
| Holiday flat | Emma | €480.00 | Everyone |
| Car hire | Liam | €160.00 | Everyone |
| Groceries | Olivia | €92.40 | Everyone |
| Saturday dinner | Noah | €136.00 | Emma, Liam, Noah |
Payments to settle up
- Noah pays €92.43 to Emma
- Olivia pays €90.70 to Emma
- Liam pays €68.43 to Emma
Three payments and everyone is square, no calculator or arguments needed.
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
Does everyone need to install something?
No. Opening the group link in a browser is enough. Anyone who wants can install it as an app.
Can I add expenses in another currency?
Yes. Pick the currency when adding the expense and it’s converted to the group’s currency at the day’s rate.
What if someone isn’t part of an expense?
When adding it, choose who it’s split among. Only the people involved pay their share.
Does it work offline?
Yes. You can check the group offline and keep adding expenses as soon as you’re back online.
More ways to use Pa-ga-me
- 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.
- Expense calculatorType who paid for what and instantly get the payments to settle up. No sign-up.
- 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.