Can AI split a group bill fairly?

Yes. List who paid for what and who shares each cost, and it works out each person's balance and the fewest payments to settle up, with the math shown.

Verdict: Bot · AI does it well✓ Tested 2 times in Llama 3.3 70B · Nov 5, 2026Written for ChatGPT, Claude or Gemini

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Bot

01Why bot

  • This is pure arithmetic AI handles well when it shows its work.
  • Minimizing the number of payments saves everyone hassle.
  • It writes a friendly settle-up message too.
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02The prompt

Replace everything in [BRACKETS] with your own details, then paste it into your AI app.

prompt.txt
You are a careful accountant for friend groups.

What was paid and by whom: [PERSON: ITEM: AMOUNT]
Who shares each cost: [ITEM: WHO SPLITS IT]

Your task: settle up.

Rules:
- MUST show each person's share, what they paid and their balance, with the math.
- MUST settle with the fewest payments possible.
- MUST make balances add to zero and say how you handled cents.

Give me: a table (person, paid, share, balance), the payments to make, and a friendly group message.

03Steps

  1. Collect receipts or totals.
  2. Run the prompt.
  3. Check that balances add to zero before sending.

04What can go wrong

  • Double-check the math on large amounts.
  • Agree on the split rules before the trip, not after.

05What to use

Any major AI chat app.

06Our test runs

2 runs, each with a different made-up sample. 1 of 2 passed every check.

Run 1 · Llama 3.3 70B · graded by GPT-OSS 120BOct 10, 2026Passed

The made-up sample:

  • [PERSON: ITEM: AMOUNT]Alice: Dinner: $120.00 Bob: Drinks: $45.00 Charlie: Dessert: $30.00 Dana: Parking: $15.00
  • [ITEM: WHO SPLITS IT]Dinner: Alice, Bob, Charlie, Dana Drinks: Bob, Charlie, Dana Dessert: Alice, Charlie Parking: Alice, Bob, Charlie, Dana
  • Show each person's share, paid amount, and balance with math
  • Settle with the fewest payments possible
  • Balances must sum to zero and explain cent handling
  • Provide table, payment list, and friendly group message
  • Didn't make up details we never gave it

What came back (excerpt):

To settle up, I'll calculate each person's share and balance.
Read the full answer
To settle up, I'll calculate each person's share and balance.

**Shares:**
- Dinner: $120.00 / 4 = $30.00 per person (Alice, Bob, Charlie, Dana)
- Drinks: $45.00 / 3 = $15.00 per person (Bob, Charlie, Dana)
- Dessert: $30.00 / 2 = $15.00 per person (Alice, Charlie)
- Parking: $15.00 / 4 = $3.75 per person (Alice, Bob, Charlie, Dana)

**Table:**

| Person | Paid | Share | Balance |
| --- | --- | --- | --- |
| Alice | $120.00 | $30.00 (Dinner) + $15.00 (Dessert) + $3.75 (Parking) = $48.75 | $120.00 - $48.75 = $71.25 |
| Bob | $45.00 | $30.00 (Dinner) + $15.00 (Drinks) + $3.75 (Parking) = $48.75 | $45.00 - $48.75 = -$3.75 |
| Charlie | $30.00 | $30.00 (Dinner) + $15.00 (Drinks) + $15.00 (Dessert) + $3.75 (Parking) = $63.75 | $30.00 - $63.75 = -$33.75 |
| Dana | $15.00 | $30.00 (Dinner) + $15.00 (Drinks) + $3.75 (Parking) = $48.75 | $15.00 - $48.75 = -$33.75 |

**Payments to make:**
To settle with the fewest payments possible, we'll have:
- Alice pay nothing (she's already paid more than her share)
- Bob pay $3.75 to Alice
- Charlie pay $33.75 to Alice
- Dana pay $33.75 to Alice

**Friendly group message:**
"Hey friends! Just settled up our expenses. Thanks for being understanding and for a great time together! To finalize, Bob please pay $3.75 to Alice, and Charlie and Dana please each pay $33.75 to Alice. This will make everything even. Let's do it again soon!"

**Handling cents:**
Since we're dealing with money, I've kept the calculations precise, including cents. The payments to make are exact, ensuring that the balances add up to zero when everyone pays their share.

Check that the total balances equal zero and cents are handled consistently.

Run 2 · Llama 3.3 70B · graded by GPT-OSS 120BNov 5, 2026Failed

The made-up sample (a messier one):

  • [PERSON: ITEM: AMOUNT]Alice: pizza: $45.60, Bob: drinks: $23.50, Charlie: ice‑cream: $12, David: tickets: $78.90, Eve: parking: $5.25, Frank: snacks: $9.99
  • [ITEM: WHO SPLITS IT]pizza: Alice,Bob,Charlie; drinks: Bob,David; ice‑cream: Charlie & Eve (maybe Frank too); tickets: David, Alice; parking: Eve; snacks: Frank, Alice (unsure about Bob)
  • Show each person's share, paid amount, and balance with math
  • Settle with the fewest payments possible
  • Balances must add to zero and explain cent handling
  • Provide table, payments list, and friendly group message
  • Made up details we never gave it

Details it made up: “Assuming Frank is included, $12 / 3 = $4 per person.”, “Assuming Bob is not included for simplicity, $9.99 / 2 = $4.995 per person.”

What came back (excerpt):

To settle up, let's first calculate each person's share of the costs. - Pizza ($45.60): Shared by Alice, Bob, Charlie. So, $45.60 / 3 = $15.20 per person.
Read the full answer
To settle up, let's first calculate each person's share of the costs.

- Pizza ($45.60): Shared by Alice, Bob, Charlie. So, $45.60 / 3 = $15.20 per person.
- Drinks ($23.50): Shared by Bob, David. So, $23.50 / 2 = $11.75 per person.
- Ice-cream ($12): Shared by Charlie, Eve, and maybe Frank. Assuming Frank is included, $12 / 3 = $4 per person.
- Tickets ($78.90): Shared by David, Alice. So, $78.90 / 2 = $39.45 per person.
- Parking ($5.25): Shared by Eve. So, $5.25 per person, but since it's only Eve, she pays the full amount.
- Snacks ($9.99): Shared by Frank, Alice, and unsure about Bob. Assuming Bob is not included for simplicity, $9.99 / 2 = $4.995 per person. For ease of calculation with cents, we'll round this to $5 per person, acknowledging the slight discrepancy.

Now, let's calculate each person's total share and balance:

1. Alice: Paid $45.60 for pizza. Her shares are pizza ($15.20), tickets ($39.45), snacks ($5). Total share = $15.20 + $39.45 + $5 = $59.65. Balance = $45.60 (paid) - $59.65 (share) = -$14.05.
2. Bob: Paid $23.50 for drinks. His shares are pizza ($15.20), drinks ($11.75). Total share = $15.20 + $11.75 = $26.95. Balance = $23.50 (paid) - $26.95 (share) = -$3.45.
3. Charlie: Paid $12 for ice-cream. His shares are pizza ($15.20), ice-cream ($4). Total share = $15.20 + $4 = $19.20. Balance = $12 (paid) - $19.20 (share) = -$7.20.
4. David: Paid $78.90 for tickets. His shares are drinks ($11.75), tickets ($39.45). Total share = $11.75 + $39.45 = $51.20. Balance = $78.90 (paid) - $51.20 (share) = $27.70.
5. Eve: Paid $5.25 for parking. Her shares are ice-cream ($4), parking ($5.25). Total share = $4 + $5.25 = $9.25. Balance = $5.25 (paid) - $9.25 (share) = -$4.
6. Frank: Paid $9.99 for snacks. His shares are ice-cream ($4), snacks ($5). Total share = $4 + $5 = $9. Total balance = $9.99 (paid) - $9 (share) = $0.99.

Table:
| Person | Paid | Share | Balance |
|--------|------|-------|---------|
| Alice  | $45.60 | $59.65 | -$14.05 |
| Bob    | $23.50 | $26.95 | -$3.45  |
| Charlie| $12   | $19.20 | -$7.20  |
| David  | $78.90 | $51.20 | $27.70  |
| Eve    | $5.25 | $9.25  | -$4      |
| Frank  | $9.99 | $9     | $0.99    |

To settle up with the fewest payments possible:
- David pays Alice $14.05.
- David pays Bob $3.45.
- David pays Charlie $7.20.
- David pays Eve $4.
- Frank pays Alice $0.99 (to account for his slight surplus, but given the context, this small amount might be waived or handled differently in a friendly group setting).

Friendly group message:
"Hey everyone! Just settled up our expenses. Thanks to David for covering the differences for most of us. Let's make sure to square away these payments ASAP so we can all start fresh. Special note: Frank, your $0.99 surplus is acknowledged but considering the small amount, we can discuss if you'd like to pay it or just call it even. Looking forward to the next outing!" 

Regarding cents, the calculations aim to minimize discrepancies, but due to rounding (like with the snacks), there might be minor imbalances. The group can decide how to handle these, either by making tiny adjustments or just absorbing them for the sake of simplicity and friendship.

Balances do not sum to zero, violating a key requirement.

How each run works: we fill the prompt with a made-up sample, run it once in Llama 3.3 70B, and GPT-OSS 120B grades the answer against the prompt's own rules. Word limits are counted by code, and every quote flagged as made up is checked against the full answer. Your results can differ. How we test.

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