Free · Mixed-currency group expense splitting
Choose a base currency, add mixed-currency payments, and settle fairly with one final result.
Calculate Split SettleFair. Clear. Automatic.
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01 / Process
Three steps, and only the first one needs a decision. Everything after it is entering what already happened.
Pick the currency the group will actually transfer money in, not the one you are spending in. Four friends from Taipei settling a trip to Japan should choose TWD, because that is what moves between their bank accounts afterwards. Everything else converts into it.
Each payment needs three things: who paid, how much and in which currency, and who it was actually for. That last one is a multi-select, because a payment rarely covers the whole group. The hotel covers everyone, the round at the bar covers three people.
The settlement updates as you type. Each person's net balance is what they paid minus what they owe, and the transfer list turns those balances into a short set of payments. A week of tangled spending usually collapses into two or three transfers.
02 / Advantages
The arithmetic is the easy part. What groups actually get wrong is who a payment was for, and which exchange rate everybody agreed to use.
Enter who paid and who each payment was for. Balances and transfers follow automatically, including the cases people get wrong by hand: somebody who paid for a group they were not part of, or two people who both fronted money on the same day.
Thirteen currencies, each payment entered in the one it was actually paid in. Conversion happens once, using a published reference rate, into the currency you chose to settle in. Nobody argues from a half-remembered number, and anybody can check the rate themselves.
No account or installation. Enter payments, check the settlement, then download a PDF with the amounts, payers and final transfers. The calculator does not save your entries after a refresh. Exchange-rate requests contain currency pairs, not names or amounts.
03 / Guides
Eleven guides on the parts a calculator cannot settle for you: what counts as shared, who fronts the big bookings, and how to raise any of it without souring the evening.
Rent is never the argument. The friction is in the small overlapping spending: the household supplies one person keeps replacing, bills that arrive every two months against rent that arrives monthly, groceries only half the flat eats.
Read the Guide →02Three currencies in ten days, and whoever books first ends up fronting the most. Enter each payment in the currency it was actually paid in, then settle once in the currency you will really transfer.
Read the Guide →03One person had a salad, four shared two bottles of wine, and the driver drank water. Entering the food and the drinks as separate payments takes ten seconds and stops the person who did not drink paying for it.
Read the Guide →04 / Questions
Yes. Use the ‘Pay for’ multi-select dropdown and choose exactly who was involved in the expense. You can select one, many, or all.
No. Each payment can use a different currency and is converted to the base currency automatically using reference rates.
Each person's net balance is paid minus owed. BillSmart then pairs debtors with creditors, which keeps the transfer count low: at most one fewer transfer than there are people.
BillSmart tries a second rate provider. If neither can supply a rate, it keeps your existing payments unchanged and asks you to retry. It never substitutes a fixed estimate for a new payment.
More detail on rounding, exchange rates and saving a trip is in the full FAQ, and the calculation itself is explained step by step in how it works.