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Split shared costs to the penny.

Add what everyone paid. Penny works out the fewest payments to settle up, exact to the last cent.

Start a group
Splits
To the last cent
Settles up
In the fewest payments
Currencies
165, ECB reference rates where the ECB publishes one
Tested
How Penny is tested

How Penny settles a trip

LISBON TRIP · 4 PEOPLE · EUR

Seven receipts.

Everything the group paid for, in the order it was added, in two currencies.

Flights

PAID BY ANA

480.00 EUR

Apartment

PAID BY BEN

360.00 EUR

Dinner at Taberna

PAID BY CY

96.50 EUR

Museum tickets

PAID BY DEV

54.00 EUR

Taxi from airport

PAID BY ANA

31.20 EUR

Groceries

PAID BY DEV

42.75 EUR

Surf lesson

PAID BY CY

150.00 USD

× 0.92 = 138.00 EUR

Four balances.

Penny splits each one to the cent, converts it once, and adds up who is owed and who owes.

DINNER AT TABERNA 96.50 EUR → ANA 32.17 · BEN 32.17 · CY 32.16

The two leftover cents go to the first two people listed.

  • Ana

    Ana is owed 155.74 EUR

  • Ben

    Ben is owed 81.34 EUR

  • Cy

    Cy owes 95.15 EUR

  • Dev

    Dev owes 141.93 EUR

Three payments.

  • Dev pays
    141.93 EUR, to
    Ana
  • Cy pays
    81.34 EUR, to
    Ben
  • Cy pays
    13.81 EUR, to
    Ana

3 payments settle 7 expenses. Everyone ends at exactly 0.00 EUR.