What this tool does
You enter the receipts from one trip. It works out what each person owes, converts every receipt at the reference rate of the day it was paid, and reduces who-owes-whom to a short list of transfers. Nothing is sent anywhere: the whole calculation happens in this browser.
The rules it applies
- Rate of the day. A receipt is converted with the reference rate published for its payment date, not today's rate. If your card charged a different amount, enter that instead and it wins.
- Whole minor units. Amounts are split in cents, pence or yen — never fractions. Leftover units go one each to people in list order, so the parts always add back to the total.
- Few transfers. The largest debtor pays the largest creditor, repeatedly, so a group needs at most one fewer transfer than it has people. That is not always the absolute minimum, but balances never change, only the route.
How to read the result
A plus means the group owes that person; a minus means they owe the group. The balances always add up to 0.00. If they do not, something is inconsistent and the page says so rather than hiding it.
What it does not do
- It settles a trip after it ends. It is not a live tracker several people edit at once.
- It is not your bank's rate. Card issuers add their own margin, which is why you can overwrite any amount.
- It does not move money. It tells you who should send what.
An example
Six people share a hostel room paid in yen on 1 September 2026: ¥100,000.
That day's reference rate was ¥160.16 to the dollar, so the room is $624.38.
Each share is $104.06 and the two leftover cents go to the first two people on the list.
The person who paid is first on the list, so their own share is $104.07
and they are +$520.31 until the others send theirs.