Split expenses in several currencies
Euros, pounds, yen and dollars on one trip: convert each expense at your rate or the card-statement rate, then settle in one currency.
Paying in several currencies is where trip maths goes wrong. Triptally takes one rate per currency (EUR=1.08; GBP=1.27) and, if you want, a different rate on any row — the one on the payer's card statement. Zero-decimal currencies like JPY and KRW are handled in whole units, and an optional card fee (say 3%) can be added to foreign spending.
Load one row per expense: who paid, the amount, its currency and who it was for (all, or Ana; Ben:2). Triptally converts each expense to your home currency once — at the row's own rate if you give one, otherwise at your rate for that currency — rounds it to the cent and splits it in whole cents. The payer is credited the whole expense, so everyone's balance nets to exactly zero, and the settle-up uses the fewest payments.
Worked example
The sample is a fictional four-friend trip to Lisbon and London in September 2026: 18 expenses in USD, EUR and GBP, using sample rates of 1 EUR = $1.08 and 1 GBP = $1.27 (not live rates). The trip cost $5,651.19. Ana paid the most and is owed $528.55; Dev owes $525.44. 3 transfers settle everyone: Dev pays Ana $525.44, Chloe pays Ben $8.41, Chloe pays Ana $3.11.
Your expenses stay on your computer
Triptally reads your file with JavaScript in this browser tab. Names and amounts are never uploaded, nothing is saved, and no exchange rate is fetched — close the tab and it's gone.
How it works
- List the expenses — who paid, amount, currency and who it was for — in the template, or try the sample.
- Enter your exchange rates and pick shares or equal.
- Share the settle-up: who pays whom, in your home currency.
FAQ
Is my data uploaded?
No. Your files are read by JavaScript in your browser tab and never sent to us or anyone else. Expenses aren't stored, so closing the tab clears them. The home currency, rates, card fee and split can be saved in this browser if you ask; the trip name never is.
Which exchange rate should we use?
Whatever the group agrees. The fairest is usually what was actually charged: the rate on the payer's card statement for that expense (put it in the rate column). Otherwise use one agreed rate per currency for the whole trip. Triptally never looks rates up online, so the result doesn't change if you open it again next month.
How do I write the split?
all (or leave it blank) means everyone on the trip. Otherwise list names separated by semicolons: Ana; Ben; Chloe. Add :2 to count someone twice, for example a couple sharing a wallet. A single name other than the payer records a payment between people, like Ben paying Ana back.
How does the settle-up work?
Each person's balance is what they paid minus their share of every expense, in your home currency. The person who owes most pays the person owed most, then the next, until everyone is even — at most one payment fewer than the number of people.
How are the cents handled?
Each expense is converted to your home currency once and rounded to the cent, then split by rounding every share down and giving the leftover cents to the largest remainders, so shares always add up exactly to the expense. Yen, won and other zero-decimal currencies are read in whole units.
How is this different from Splitwise?
Splitwise is an app everyone joins and logs expenses in as they go; currency conversion is a Pro feature there, and it converts at the rate on the day you press convert. Triptally works on a spreadsheet you already have, needs no accounts and uses the rate you actually paid. Use whichever suits your group.
What's free?
Every person's balance, the settle-up payments, every flag, 3 what-ifs and 12 expenses on screen and in print (with a footer). Pro shows every expense and every what-if and adds a statement for every person, the Excel workbook and CSV exports.
Is this financial advice?
No. Triptally does the arithmetic on the expenses and rates you enter.