Roommate Bill Split Calculator Who Owes Whom
Use this roommate bill split calculator who owes whom tool to add rent, utilities, groceries, subscriptions, household supplies, and repayments, then calculate the fewest transfers needed to settle the household. Core roommate settlement math is free - go Pro for larger households, weighted shares, category totals, settlement rounding, and a copyable summary.
Roommates
Free supports 4. Pro supports 8 roommates and weighted shares.
Free includes 4 roommates and equal shares. Pro unlocks more roommates plus weighted shares for couples, different room counts, or partial-month moves.
Bills and repayments
Add rent, utilities, groceries, subscriptions, household supplies, and any repayments that already happened.
3 transfers settle $3,688 in household bills.
5 rows
4 roommates
Already paid back
Pro unlocks roommate share weights, rounded settlements, larger households, category totals, and copyable summaries.
Unlock with ProPro unlocks rent, utility, grocery, subscription, supply, and other category totals.
Unlock with ProPro unlocks a copyable who-owes-whom summary for texts, notes, or house meetings.
Unlock with ProFree to use. Pro when you need more.
One oftenoriginal Pro membership unlocks the pro features on every tool.
Free
$0- ✓Up to 4 roommates
- ✓Up to 8 bill and repayment rows
- ✓Rent, utilities, groceries, subscriptions, supplies, and other categories
- ✓Per-bill paid-by and shared-by controls
- ✓Fewest who-owes-whom settlement transfers
- ✓No sign-up required
oftenoriginal Pro
$9/month- ✓Everything in Roommate Who-Owes-Whom Bill Splitter, unlocked
- ✓Up to 8 roommates
- ✓Up to 30 bill and repayment rows
- ✓Weighted shares for couples, sublets, and partial-month moves
- ✓Category totals and rounded settlements
- ✓Copyable roommate settlement summary
Roommate Who-Owes-Whom Bill Splitter — frequently asked questions
How does this roommate bill split calculator who owes whom tool work?+
It totals what each roommate paid for household bills, calculates each roommate's fair share of the bills they participated in, subtracts repayments that already happened, then nets the balances into the shortest transfer list.
Can it handle rent, utilities, groceries, and subscriptions together?+
Yes. Add each rent, utility, grocery, subscription, household supply, or other bill as its own row, choose who paid, and check the roommates who shared that cost.
How do repayments affect who owes whom?+
A repayment row counts money that already moved between roommates. That reduces the payer's remaining debt and reduces the recipient's amount still to collect before final transfers are calculated.
What does fewest transfers mean?+
Instead of reimbursing every receipt one by one, the calculator nets every roommate's balance and returns a compact list showing who should pay whom and how much.
Is my household bill data sent to a server?+
No. Roommates, bills, repayments, categories, shares, and settlement transfers are calculated entirely in your browser.
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