1. Set Base Currency
Select the currency you want your final balances to be calculated in.
BillSmart | The Smartest Split For Any Expense
Choose a base currency, add mixed-currency payments, and settle fairly with one final result.
Choose your base currency
Base: USD
Base currency (calculation & default)
Auto-convert payment entries to USD
People
Count
Add payment
Default: USD
Add payments to generate settlement results.
Result
Settled in USD
Alice
+ USD 0.00
Bob
+ USD 0.00
Charlie
+ USD 0.00
Add a payment to see results.
How BillSmart Works
Three simple steps to settle up.
2. Log the Expenses
Enter who paid, how much, and who the expense was for. Mixed currencies are fully supported.
3. Get the Split
Hit calculate and instantly see the optimized list of who needs to pay whom to settle up.
Why Choose BillSmart
Simple and fair splitting, made easy.
No More Math
Enter payments and we handle the complex split logic automatically, including who paid and who owes.
Fair Splitting
Supports mixed currencies and converts them into one base unit so everyone settles with confidence.
Data Control
No login or registration required, making quick split sessions entirely private and easy.
Perfect for Every Situation
Read our guides on how to split expenses fairly.
Living with Roommates
Rent is easy, but shared groceries and cleaning supplies are tricky. Learn how to track household expenses fairly.
Read the Guide →Group Travel & Vacations
From shared Airbnb bookings to foreign currency restaurant bills, keep your trip finances organized.
Read the Guide →Dining Out & Bar Tabs
Someone ordered steak, another just had water? Easily split complex restaurant bills elegantly.
Read the Guide →FAQ
Can I split one payment for multiple people?
Yes. Use the ‘Pay for’ multi-select dropdown and choose exactly who was involved in the expense. You can select one, many, or all.
Do I need to use the same currency for every expense?
No. Each payment can use a different currency and is converted to the base currency automatically using live rates.
How does the split algorithm work?
Our algorithm calculates the net balance for each person and then optimizes the transactions, minimizing the total number of bank transfers needed.
What happens if exchange rates are temporarily unavailable?
BillSmart shows a clear FX error and prevents saving wrong converted amounts.