Study & Misc

Bill Splitter

Split group bills across rounds and people, with who-pays-whom.

Participants (2-20)

Rounds (up to 10)

Rounding unit (round up)

Total amount

0원

Average per person0원
Rounding surplus (payer's gain)0원
Settlement by participant
Name Owed Paid Difference

Transfers

What is a bill splitter (Dutch pay)?

A tool for splitting shared group expenses across multiple rounds (1st round, 2nd round, and so on). Even when the payer and the number of participants change from round to round, it works out how much each person owes and who ultimately needs to send money to whom.

How to use it

Enter participant names and use Add participant to add or remove people. For each round, choose the amount and the payer, then check only the people who took part in that round. Pick a rounding unit to apply when the per-person share doesn't divide evenly, and the amounts owed and transfers are calculated automatically.

Formula

Per-person share for a round = round amount ÷ number of participants (rounded up to the unit)

Total owed by a person = sum of their per-round shares across every round they joined

Personal difference = amount paid − amount owed

Note: the small leftover from rounding up is credited to that round's payer, so the total always balances exactly.
Real-life examples
  • Round 1, all 4 join: splitting ₩120,000 four ways comes to ₩30,000 each. The three non-payers each send ₩30,000 to the payer to settle up.
  • Round 2 with fewer people: splitting ₩48,000 three ways comes to ₩16,000 each. Once Round 1 and Round 2 are combined, each participant's total share differs, so the final difference has to be worked out together.
  • Minimizing transfers: combining both rounds, the Round 1 payer ends up needing to receive ₩74,000, and the Round 2 payer needs another ₩2,000. Meanwhile the other two participants owe ₩46,000 and ₩30,000 — this calculator pairs the largest amounts first to produce a list with the fewest possible transfers.
  • Using the rounding unit: splitting ₩50,000 three ways comes to ₩16,666.67 each; with a ₩100 rounding unit that becomes ₩16,700, and the ₩100 difference (₩16,700×3−₩50,000) is credited to the payer.
How is a bill split (Dutch pay) calculated?
For each round, the amount paid is divided by the number of participants to get the per-person share. For example, splitting a ₩120,000 Round 1 bill four ways comes to ₩30,000 each, and the three non-payers settle up by sending ₩30,000 each to the payer.
Why is a rounding unit needed?
When the per-person share doesn't divide evenly, it's rounded up to a chosen unit to keep things simple. For example, splitting ₩50,000 three ways comes to ₩16,666.67 each; with a ₩100 rounding unit that becomes ₩16,700, and the leftover ₩100 (₩16,700×3−₩50,000) is credited to whoever paid for that round, so the total always balances exactly.
Why enter expenses round by round?
Because the payer and the number of participants often change from round to round within the same gathering. For example, if Round 1 splits ₩120,000 among all 4 people and Round 2 splits ₩48,000 among the 3 who stayed, each round needs to be calculated separately and then combined to get each participant's final share and balance.
How is the transfer list generated?
For each participant, the amount owed is subtracted from the amount paid to get a difference. People are split into those who should receive money and those who should pay, and the largest amounts are matched first to minimize the number of transfers. Even settlements involving several people are often resolved in just one or two transfers.
Does the payer also owe their own share?
Yes. If the payer is included among the participants, they owe the same per-person share as everyone else, and only need to be reimbursed for the amount they paid minus their own share. For example, if 4 people split ₩120,000 at ₩30,000 each, the payer gets back the other three people's shares — ₩90,000 in total.