Fair, and explainable.
Even split, by head
Each expense is divided evenly between the people it covers. Two people sharing a room are two shares, not one — the per-head split is the version that does not quietly make solo travellers subsidise couples.
Optional extras stay optional
Untick the people who skipped the boat trip and its cost is shared only among those who went. This is the single most common cause of quiet resentment on a group trip, and it takes one click to avoid.
The pennies go somewhere specific
£100 between three people is £33.33 each with a penny left over. The tool gives that penny to the first person in the list rather than losing it or showing £33.333. The split always adds up to exactly the amount, and the same input always gives the same answer.
Fewest transfers, not most
Eight people and twelve expenses can generate forty individual debts. The tool nets everyone to a single position and matches the biggest debtor to the biggest creditor until everyone is square — at most one transfer per person, minus one. Every extra transfer is another one that gets forgotten.
Common questions.
Does this tool store my data or need an account?
No account, and nothing is sent anywhere. The numbers are kept in your own browser so you can come back to them, and the Reset button wipes them. If you want a version the whole group can see and add to as the trip goes on, that is what Kinora is for — but you do not need it to use this.
How does it decide who pays whom?
It works out each person's net position — what they paid minus what they owe — then matches the person who owes the most to the person who is owed the most, repeating until everyone is at zero. That gives the smallest practical number of transfers, which matters because every extra transfer is one more that gets forgotten.
What about an expense only some people shared?
Untick the people it does not apply to. That expense is then split only among the people you left ticked, and everyone else is unaffected. Use it for the optional excursion, the taxi only four people took, or the round only some of the group drank.
How do I handle two currencies?
Convert everything to one currency before entering it, using a single rate agreed at the start of the trip. Converting each expense at the rate on the day it happened is more accurate and much harder to check, and the difference is usually pennies.
Why does one person pay a penny more than another?
Because the amount did not divide evenly. £100 between three people is £33.33 each with 1p left over, and that penny has to go somewhere. The tool gives it to the first person in the list, so the total is exact and the result is repeatable. Nobody has ever fallen out over a penny; they fall out over totals that do not add up.
The rules behind the numbers.
How to split costs on a group trip
Who pays for what, how to divide rooms of different sizes, and how to settle up without anyone having to chase. A practical guide to group trip money.
How to plan a group trip with friends
A step-by-step guide to planning a group trip: locking a date, setting a real budget, splitting the jobs, and getting everyone to actually book.
How to plan a bachelor party
A realistic timeline for planning a bachelor party weekend — headcount, the budget conversation, who pays for the groom, and the logistics people forget.
Want it to track itself?
Kinora keeps a running budget the whole group can see and add to as the trip happens — so nobody has to reconstruct it afterwards. Free while the beta runs.