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Settle-Up Calculator

It's 1 AM, the chips are counted, and nobody wants to do the math. Enter each player's net result and get the fewest payments that make everyone whole — then copy it straight to the group chat.

PlayerNet result $

Why fewest payments matters

Without a plan, six players produce a web of “wait, do I pay you or does he pay me?” The optimal approach matches the largest debt against the largest credit, over and over. Nobody sends money they'll get back, and the night closes in a handful of transfers instead of a dozen. Everything runs in your browser — names and amounts never leave your device.

How do you settle up after a poker cash game?

Total each player's net (cash out minus buy-ins) — wins and losses must cancel to zero. Then the biggest loser pays the biggest winner, repeating until everyone is square. That greedy matching produces the fewest payments.

Why don't the results add up to zero?

Usually a miscounted stack or a forgotten rebuy. Recount the chips against total buy-ins; the money on the table always equals the money that came in.

What is the fewest number of payments to settle a game?

At most one fewer than the number of players who ended up non-even. Six players with mixed results typically settle in three to five payments instead of a dozen back-and-forth transfers.

Tired of reconstructing the night from memory?

Track buy-ins and results as they happen — and your own bankroll across every game.

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Running the whole night, not just the math?

Rebuy Labs runs a live clock, RSVPs, buy-ins, and standings — free to start.

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