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When the bill won’t divide evenly:
remainders and rounding

There are two steps. First split exactly, then decide whether to round the transfers so they are easier to send. Only the second step creates a gap.

NFM Apps guide · 2026-09-30

Split exactly first

$100 ÷ 3 doesn’t come out even. If everyone pays $33 the total is $99, so one person has to pay the extra unit.

PersonShare
First$34+1
Second$33
Third$33
Total$100Exact

With a remainder of 2, the first two people each pay one extra. Nobody ever carries more than one extra unit.

the Android app "Settle Up: Split the Bill" calculates in whole units of the currency (whole dollars, whole won, whole yen). That suits currencies without decimals best; if you need to settle to the cent, it is not the right tool.

Rounding the transfers

Amounts like $38 or ₩38,333 are fiddly to send, so some groups round each person’s final balance to 10, 100 or 1,000 units. Round once, at the final balance, not on every expense, to keep the error small.

The gap rounding leaves

A paid $115, split between A, B and C.

ABC
Exact balance+$76−$38−$38
Rounded to 10+$80−$40−$40
Actual transfersreceives $80sends $40sends $40

Once rounded, the balances no longer add up to zero. Here B and C each pay $2 extra; with other numbers the person being paid can end up short instead. The bigger the group, the bigger the gap can get, so say up front who absorbs it.

Setting it in the app

Settings screen with currency symbol, settlement rounding set to no rounding, display and theme color
Settlement rounding
1

Choose settlement rounding

In Settings, Settlement rounding offers no rounding, or rounding to 10, 100 or 1,000 units. Expenses stay as entered; only the final transfer amounts change.

Balances showing one member getting money back and two members owing
Exact balances
2

Remainders are handled for you

With rounding off, amounts are split exactly to the unit, and any remainder goes to the people first in the sharer list, one unit each.

FAQ

Can I choose who pays the extra unit?

With an equal split it follows the order of the sharers. If it matters, switch that expense to Exact and type the amounts.

Does changing the rounding change my records?

No. Expenses and balances stay the same; only the transfer list is recalculated.

Settle Up: Split the Bill

No sign-up, no internet, and your records stay on your phone. Free on Android.

Get it on Google Play