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 simple steps to settle up.
Select the currency you want your final balances to be calculated in.
Enter who paid, how much, and who the expense was for. Mixed currencies are fully supported.
Hit calculate and instantly see the optimized list of who needs to pay whom to settle up.
02 / Advantages
Simple and fair splitting, made easy.
Enter payments and we handle the complex split logic automatically, including who paid and who owes.
Supports mixed currencies and converts them into one base unit so everyone settles with confidence.
No login or registration required, making quick split sessions entirely private and easy.
03 / Guides
Read our guides on how to split expenses fairly.
Rent is easy, but shared groceries and cleaning supplies are tricky. Learn how to track household expenses fairly.
Read the Guide →02From shared Airbnb bookings to foreign currency restaurant bills, keep your trip finances organized.
Read the Guide →03Someone ordered steak, another just had water? Easily split complex restaurant bills elegantly.
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 live rates.
Our algorithm calculates the net balance for each person and then optimizes the transactions, minimizing the total number of bank transfers needed.
BillSmart shows a clear FX error and prevents saving wrong converted amounts.
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.