Bill Split Card: Split a Bill and Share Who Owes What

A total bill, a tip and tax, and a list of names go in - a clear "who owes what" breakdown comes out, along with a shareable card in one of four tones: a plain Calm Receipt, a joking Passive Aggressive reminder, a mock Court Verdict, or a Soft Pastel card. Four ways to split the math are supported - equal shares, by percentage, by individual line-item amount, or "one person paid and everyone pays them back" - and the whole bill is saved locally so it survives an accidental refresh.

Key benefits

• Four split modes cover the situations a flat equal-split calculator cannot: itemized amounts, percentages, and one-person-paid.
• Four card tones - from a neutral receipt to a joking "court verdict" - without changing the underlying math.
• A one-tap plain-text summary, in addition to the downloadable card.
• The last bill is saved locally, so a closed tab does not mean starting over.
• Runs entirely in your browser - the bill and names are never uploaded.

How to use it, step by step

1. Enter the bill. Total, currency, and optional tip and tax percentages.
2. Pick a split mode. Equal, by percent, by amount, or one person paid.
3. Add everyone's name. Add or remove people, and fill in percentages or amounts if that mode needs them.
4. Read the breakdown. A clear per-person "owes" list, plus the grand total including tip and tax.
5. Share it. Copy a plain-text summary, or pick a card tone and download a PNG for the group chat.

Common use cases

• Splitting a restaurant bill unevenly because people ordered different things.
• A shared trip or event where one person fronted the total cost.
• A recurring group bill (like a shared subscription) split by percentage.
• Sending a lighthearted "you owe me" reminder without an awkward conversation.

Pro tips

• Use "by amount" mode when people ordered very different things - tip and tax are still split proportionally to what each person spent.
• Use "one person paid" when someone fronted the whole bill and everyone else needs to pay them back.
• The Passive Aggressive and Court Verdict cards are jokes - keep amounts accurate and let the tone carry the humor.
• Restore your last bill from the banner at the top if you closed the tab by accident.

Common mistakes to avoid

• Entering percentages that do not add up to 100% in "by percent" mode - the tool will flag it, but the math will still be off until it is fixed.
• Forgetting to enable tax when the venue does not include it in the listed total.
• Using "equal split" for a bill where people ordered wildly different amounts, when "by amount" would be fairer.

Frequently asked questions

Is my bill or the names I enter uploaded anywhere?

No. Everything, including the saved last bill, stays on your device - the split is calculated and the card is rendered entirely in your browser.

What does "one person paid" mode do?

It splits the total evenly, then shows it as everyone else owing that amount back to whoever paid, rather than everyone owing a generic share.

How does tip and tax get split in "by amount" mode?

Proportionally to each person's own line-item amount, so someone who ordered more also covers a larger share of the tip and tax.

Are the joke card styles mean-spirited?

They are written to be funny without being cruel - the Passive Aggressive and Court Verdict tones are exaggerated for comic effect, not aimed at anyone specifically.

Does it save my bill automatically?

Yes, to your browser's local storage only. A banner offers to restore it the next time you open the tool, and you can dismiss it if you do not want to.

Can I copy the summary as text instead of downloading an image?

Yes - the Copy Summary button puts a plain-text breakdown on your clipboard, ready to paste into any chat.

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Ready to get started? Open the Bill Split Card and try it now - completely free.