Settlement Guides
How to settle shared expenses from trips and gatherings — accurately and cleanly.
Trip Expense Settlement, from Start to Finish
Why trip settlements go wrong, what to agree on before you leave, how to record expenses during the trip, and how to calculate and transfer afterwards — the whole flow, step by step.
The Pitfalls of Splitting Evenly — Dividing to the Smallest Unit
Split $100 among three people and one cent is left over. Remainder rules, uneven shares, reducing the number of transfers, and rounding — how to finish an even split accurately.
Settle Overseas Trip Expenses by Fixing the Exchange Rate First
The same $100 costs each person a different amount in their home currency depending on how and when they paid. Three ways to set a base exchange rate, and why records should stay in local currency.
A Checklist for the Group's Settlement Manager
The settlement manager's real job is managing trust, not arithmetic. A stage-by-stage checklist for before, during, and after the gathering — plus the wording that keeps relationships intact.
Spreadsheets, Messengers, and Dedicated Apps — Comparing Group Settlement Methods
The strengths and weaknesses of spreadsheets, messenger split features, and dedicated settlement services — with a guide to choosing by situation, and one criterion people forget: where the data lives.