Track & Split
1 guides

Splitting expenses with friends and groups

Shared money goes wrong in predictable ways: someone forgets who paid, someone didn't drink but paid for the drinks, and nobody wants to be the one who brings it up. The maths is rarely the hard part. These guides are about the systems that stop small amounts turning into awkward conversations.

Start with how to split expenses with friends, or jump to the complete guide to group trip expenses.

Splitting expenses

Settling up: why five friends do not need twenty payments

The maths behind minimising settle-up payments in a group, explained with a real trip, and why doing it by hand almost always produces more transfers than necessary.

3 min read

More topics

  • Budgeting & saving — Monthly budgets, the 50/30/20 rule, how much to save and how to spend less without feeling broke.
  • Expense tracking — Finding where the money goes, keeping UPI and card spends visible, and tracking that lasts past week three.
  • Roommates & couples — Rent, utilities, groceries and shared budgets for people who share a home.
  • Using Track & Split — What the app does, which banks it reads, and how tracking and splitting fit together.

One shared ledger for the whole group

Add expenses as they happen, split them four ways, and let Settle Up work out the fewest payments.

Get it onGoogle Play