Everyone bought in, some bought in twice, and now the chips are all over the table. Enter what each player put in and what they ended with — get the fewest UPI payments that settle the night.
Keep it a friendly game with small stakes — playing cards for money can fall under state gambling laws. Nothing you type is saved.
Settle up
₹3,000 bought in
| Player | Won / lost |
|---|---|
| Rohit | +₹650 |
| Pooja | −₹180 |
| Sameer | −₹220 |
| Tanya | +₹110 |
| Dev | −₹360 |
Splitting the party costs too? Diwali party expense splitter
Diwali card nights end the same way every year: a pile of chips, a few top-ups nobody wrote down, and five people trying to work out who pays whom at 2 a.m. The maths is simple — each player’s result is what they ended with minus what they put in — but turning that into payments is where it gets messy.
This calculator checks the table adds up first (ending amounts must equal the total bought in), then finds the true minimum number of payments. Keep it a friendly game with small stakes: playing cards for money can fall under state gambling laws. Nothing you type is saved.
If the ending amounts don’t add up to what was bought in, it tells you by how much before anyone pays.
Enter each player’s total buy-in, including top-ups — the net result is what counts.
The same exact settle-up engine as our who-owes-whom calculator — the true minimum, not a guess.
Works in paise, so every payment clears every balance exactly.
Send the results to the group chat in one tap.
Works instantly in your browser. Nothing is stored.
For each player, the total they put in during the night, including any top-ups.
Count each player’s chips or cash at the end, in rupees.
Pay the few transfers shown — losers pay winners, and nobody pays twice.
For each player, subtract what they bought in (including top-ups) from what they ended with. Positive means they won that much, negative means they lost it. The results must add up to zero; then the losers pay the winners in as few UPI payments as possible.
Then someone’s buy-in or chip count is wrong — a top-up nobody noted, or chips counted twice. The calculator shows how much the table is over or short so you can recount before anyone pays.
At most one fewer than the number of players who won or lost something, and often fewer when some results cancel out exactly. The calculator finds the minimum.
It depends on the state and the game. Many states restrict gambling under their own laws, so keep any stakes small and among friends. This calculator only does the arithmetic of settling up.
Yes — free, no signup, and nothing you type is saved.
Lekhhaa’s free card party settlement calculator settles Diwali card nights, teen patti and poker nights among friends: enter each player’s buy-in and ending amount in rupees, check the table adds up, and get the fewest UPI payments to settle. Share on WhatsApp — no signup. For everyday shared expenses, Lekhhaa is a free bill splitting app and expense tracker for India.