splitting and settling

split bills and settle up: who paid what, who owes who, and the fewest transfers to square it. record payments as they happen; export the history.

balances

a splitting tab tracks who paid each expense and who it was for (everyone, unless named). "who owes what", "how do we stand", "quién le debe a quién" answers with net balances and the minimal set of transfers.

an expense nobody paid for (logged without a payer, say from a forwarded message) is left out of the balances and counted so you know.

record a payment

when money actually moves, say so: "milo paid me 1,100", "le transferí 1,000 a mel". a settlement is not an expense - it changes balances, not totals - and works on a closed tab too.

the history

"export settle up", "pdf de los pagos" sends the settlement history as a file (csv, pdf); the pdf also lists what is still outstanding. the tab's regular export includes settlements as rows, excluded from the spend totals.

what it will not do

• assume a split you did not state. an expense is for everyone on the tab unless the message names people; "just milo and me" means just milo and you, and "paid bob's uber" makes bob the only sharer.
• move money. a settlement is a note that money moved, written when you say it did. nothing is charged, sent or requested.
• convert currencies. balances are kept per currency; a usd expense never nets against a mxn one.
• owe anyone on a no-split tab. turn splitting off and there are no balances to settle - see budgets and no-split.