Minimum Transfer Debt Settlement Calculator

Minimum Transfer Debt Settlement Calculator

Local Processing

Calculate the minimum number of money transfers needed to settle debts across group members.

How It Works & Processing Standards

Enter values above to calculate results automatically. Check each input field for guidance and units.

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When several people paid for things, finds the way to settle up with the fewest transfers. Exact for up to 10 people.

The exact minimum is calculated for up to 10 people. If the two lists do not add up to the same total, settlement is not possible and you are told so.

How to Use Minimum Transfer Debt Settlement Calculator

  1. 1
    Enter what was paidIn person order, what each actually paid (0 if nothing).
  2. 2
    Enter what is owedIn the same order, each person’s share. Both lists must add up to the same total.
  3. 3
    Read the transfers"From → to, amount" using the input order numbers (starting at 1).

Examples

3 people; #1 paid 60,000, #3 paid 30,000
Input: Paid 60000, 0, 30000 / owed 30000 each
Result: 2 → 1: 30,000
4 people; #1 paid 100,000, #2 paid 20,000
Input: Paid 100000, 20000, 0, 0 / owed 30000 each
Result: 3 → 1: 30,000, 4 → 1: 30,000, 2 → 1: 10,000

Common Use Cases

  • Trips where people paid for lodging and meals separately
  • Group fees paid by several people
  • Settling a joint purchase

Frequently Asked Questions (FAQ)

How do I enter equal shares?

Enter total ÷ people for everyone. The Bill Splitter can work out the share first.

What if there are several ways to settle?

One of the ways with the fewest transfers is shown.

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