Debt Simplification
Settle a group of 6 with just 3 UPI payments instead of 15.
When Rahul, Priya, Arjun, Ravi, and Meera go on a trip, each person pays for different things. Without simplification, settling up means 10+ individual transfers. splitmybills.in automatically figures out the fewest possible payments to zero out every balance — nobody pays more or less than they owe.
How it works
Fewer payments. Same fairness.
Everyone logs their expenses
Each group member adds expenses as they happen — food, fuel, hotel, entry tickets. splitmybills.in tracks who paid and who owes what across every transaction.
View the Balances page
Open the group and tap "See Balances". The app instantly computes the net balance for every member — who is owed money and who still needs to pay — and finds the minimum number of settlements.
Settle via UPI in one tap
Each simplified payment shows a UPI deep-link for GPay, PhonePe, or Paytm. Tap once to open the payment app with the amount pre-filled. Done.
Before vs. after simplification
Without simplification
- ✗Arjun → Rahul ₹800
- ✗Arjun → Priya ₹600
- ✗Ravi → Rahul ₹400
- ✗Ravi → Arjun ₹200
- ✗Meera → Priya ₹1,000
- ✗Meera → Ravi ₹300
6 separate UPI payments
With debt simplification
- ✓Arjun → Rahul ₹1,200
- ✓Meera → Priya ₹1,300
- ✓Ravi → Rahul ₹300
Just 3 UPI payments — same result
Why you'll love it
- ✓Automatic — no setup needed. Simplified balances appear instantly on the Balances page.
- ✓Fair — total amounts owed never change. Only the number of payments is reduced.
- ✓Works for any group size — from 3 friends to a 20-person company offsite.
- ✓Pairs with UPI deep-links — tap to pay directly via GPay, PhonePe, or Paytm.
Frequently asked questions
What is debt simplification?＋
Debt simplification (also called debt minimisation) calculates the minimum number of payments needed to settle all balances in a group. For 5 people with 15 transactions between them, it might reduce this to just 3 UPI payments.
Does it change who owes what?＋
No — the total amount each person owes or is owed stays exactly the same. Debt simplification only reduces the number of individual transactions needed to settle everything.
Is debt simplification automatic?＋
Yes — splitmybills.in automatically computes the simplified balances every time you view the Balances page. There's nothing to configure.
Is debt simplification free?＋
Yes — debt simplification is available on the free plan for all groups.
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