How does the debt simplification work?

The expense splitter uses a debt simplification algorithm to minimize the number of transactions needed to settle all debts. Instead of multiple back-and-forth payments, it calculates the optimal set of transfers.

Is this a free alternative to Splitwise?

Yes — Formly's expense splitter offers core bill-splitting functionality for free with no account required. It's perfect for trips, group dinners, and shared household expenses.

Can I split expenses unevenly?

Currently the splitter divides shared expenses equally. For unequal splits, you can add separate expense entries for each person's share.

Is my expense data saved?

No — all calculations happen in your browser and nothing is stored on our servers. Your financial data stays private.

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Expense Splitter

Free to Use

Split group expenses fairly. Add people, track who paid what, and get a simplified debt settlement plan.

1. Add People

Frequently Asked Questions

Is the expense splitter free?›

Yes, entirely free with no account required. Add as many people and expenses as you need.

How does the expense splitter work?›

Add all participants, then log each expense with who paid and which people share the cost. The tool calculates each person's net balance and produces a minimal set of money transfers to settle all debts — often fewer transactions than splitting every bill individually.

Is my financial data stored or sent anywhere?›

No. All calculations happen entirely in your browser. No data is sent to any server and nothing is saved when you close the tab.

What happens if expenses are not split equally?›

Currently, each expense is divided equally among the selected participants. If you need custom splits (e.g. percentage-based), you can add separate expense entries to approximate unequal shares.

How does this compare to apps like Splitwise?›

Splitwise and similar apps store your data in the cloud and offer persistent group histories. This tool is instant and private — ideal for one-off trips or dinners where you just need the math without creating an account.

What Is Expense Splitter & Bill Calculator?

An expense splitter calculates who owes what when a group shares costs — restaurant bills, travel expenses, shared accommodation, group gifts, or any communal spending. Formly's free expense splitter handles unequal splits (custom amounts per person), percentage-based splits, and tracks multiple expenses across a shared trip. Shows the minimum number of transactions needed to settle all debts.

Why Formly's Expense Splitter & Bill Calculator Is the Best Free Option

✓Unequal splits supported — each person pays a custom amount, not just equal division.
✓Multi-expense tracking — add multiple expenses across a trip or event.
✓Debt simplification — calculates minimum transactions to settle all balances.
✓Tip and tax calculator — add tip percentage and split tax separately.
✓Free with no account or app download required.

Free Alternative to Splitwise, Tricount

→Splitwise: Splitwise requires account creation and app download. Formly is instant in browser.

→Tricount: Tricount is app-only. Formly works in any browser without downloading anything.

Who Uses Expense Splitter & Bill Calculator?

Groups dining out

Split restaurant bills fairly when people order different items.

Travel groups

Track and settle shared expenses across multi-day trips and accommodation.

Housemates

Split utility bills, groceries, and shared household expenses accurately.

Popular searches: bill splitter free, expense splitter online, split bill calculator, group expense calculator, Splitwise alternative, restaurant bill splitter.

Looking for a detailed guide? Read our in-depth tutorial on using Expense Splitter & Bill Calculator for professional results.

Read Guide →

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