PRIVATE, BROWSER-ONLY WORKSHEET · Calculators
Shared Expense Settlement List
Turn agreed paid and owed balances into exact person-to-person transfers, with a clear reconciliation check and CSV export.
Alex paid 60.00 but owes 20.00; Bo and Cy each paid 0.00 and owe 20.00. Bo and Cy each transfer 20.00 to Alex.
Set up the calculation
Enter your own values or load the worked example. Your entries stay in this browser.
Your result
Transfers to settle
UNDERSTAND THE RESULT
How to use the Shared Expense Settlement List
Use this after a trip, meal, or group purchase when each person has both a paid total and an agreed share of the cost. It converts net positions into actionable transfers.
What to enter
Use one unique person per row in name,paid,owed format. Enter amounts to two decimal places and ensure the paid and owed columns have identical totals.
Worked example
Alex paid 60.00 but owes 20.00; Bo and Cy each paid 0.00 and owe 20.00. Bo and Cy each transfer 20.00 to Alex.
How to read the result
Each row shows a payer, a recipient, and an amount. An empty table means all people already paid exactly their own agreed shares.
Method
For each person, subtract the agreed owed amount from the amount they paid. Match positive balances to negative balances until all net positions reach zero.
What to check
You must agree the owed shares first. This ordered matching is deterministic but does not guarantee the fewest possible transfers or handle currencies and payment fees.
Avoid this mistake
Entering what someone has already reimbursed twice will unbalance the ledger. Reconcile transactions to one snapshot before calculating.
Calculations run locally in your browser. No entered values are sent to the Nirmion API.
Questions to check
Why must paid equal owed?
Every paid amount funds someone’s share. A mismatch means a payment or share is missing or duplicated.
Is this the minimum number of payments?
No. It is a straightforward exact settlement, not an optimization algorithm.
Does it calculate equal shares?
No. Enter agreed owed amounts. The existing Expense Splitter handles a simple equal-share scenario.