Splitting a Costco run with friends: who owes what?
No install, no sign-up. 100% free.
For example, a Costco run for 3 households
A family that uses a lot, an average one, and someone living alone. Food, supplies and gas were paid separately.
Split 3 ways? Same for someone who uses a little? Who pays whom back?
With FAMI-KAN, just set the ratios
Who pays whom
WHY FAMI-KAN
No sign-up, no limits, no black box
accounts or installs
Just paste a link in your group chat.
entries and members
No daily caps, no paid plan.
currencies, 8 languages
Works for trips abroad and mixed-language groups.
Shared pot (deposits) supported
Collect money up front; refunds and top-ups are settled automatically. Rare among no-sign-up apps.
Everyone can answer "why this amount?"
Who carries which ratio, what the base amount is. The whole calculation is always visible.
ABOUT THIS APP
What FAMI-KAN is
From everyday bills to trips, decide fairly who pays how much.
Adults 1.0, kids 0.5.
Split per person or per household, and set any ratio. Everyone's share is calculated automatically.
Just share a link.
No app to install, no account to create. Everyone adds what they paid from their own phone.
Who pays whom, how much. Instantly.
The fewest transfers to settle up, and every calculation visible to everyone. No black box.
HOW IT WORKS
How it works, in 4 steps
1Add households and set ratios
Adults 1.0, kids 0.5. Each household's total ratio is computed for you.
2Everyone enters what they paid
One family paid the rental car, another the hotel. Each from their own phone.
3Here's the result
Who pays whom, how much, in the fewest transfers.
4Send it and you're done
Share the result as one image, or copy the text for payment apps.
MoreHistory by date
Who paid for what, grouped by day. You can re-sort it too.
MoreBy Member
Each family's share, what they paid, and what they get back or owe.
MoreBy Item
What the money went on, by date or by category.
MoreSettlement card
One image to post in the group chat. The QR code opens the full details.
Any of these sound familiar?
One family paid for the meat and food
Another paid for supplies
Same amount for a single person?
→ Settle bulk buys by how much each person uses.
Log food, supplies and gas. FAMI-KAN works out who owes whom by ratios that match each household's usage. You can also limit an item to the people who share it. No sign up, completely free.
Don't let tedious money calculations ruin a great memory.
The Smiths paid for the meat and food, the Johnsons for supplies, and someone drove... who owes whom?
Enter everyone's payments and FAMI-KAN settles them in the fewest transfers.
I live alone and use a little; paying the same as a family of four is too much.
Set ratios like 1.0, 0.7 and 0.4 by usage. You can also limit each item to the people who share it.
We go every month and want to keep one record.
Keep adding to the same event; the balance carries over and you settle whenever you like.
FAMI-KAN needs no sign-up and no install. Set a ratio once — Adult 1.0, Child 0.5 — and it applies to every expense after that. We compare it with other apps, including where they do better.
Why FAMI-KAN is Best
Who owes what after a Costco run depends on whether you're splitting single items or the whole cart. A pack you divide down the middle can be split only between the households sharing it, while a cart of mixed groceries and supplies can be split by how much each household uses, for example 1.0 for a family of four, 0.7 for a couple and 0.4 for someone living alone. Say the Smiths, the Johnsons and Alex share a $420 cart, and the Smiths pay at checkout. With ratios of 1.0, 0.7 and 0.4, the total is 2.1, so that's $200 for the Smiths, $140 for the Johnsons and $80 for Alex. The Johnsons send the Smiths $140 and Alex sends $80. If a pack of paper towels was shared only by the Smiths and Alex, enter it separately with just those two under "Target Members". In FAMI-KAN, set each household's ratio once, enter receipts from the shared link, and keep adding runs to the same event. Settle whenever it suits you, and the settlement shows who pays whom in the fewest transfers.
Simple 3-Step Guide
No app downloads or accounts needed.
- 1
Create the bulk-buy event
Start an event and add each household that shares the runs.
- 2
Set usage ratios
Give each household a ratio, such as 1.0 for a family of four, 0.7 for a couple and 0.4 for someone living alone.
- 3
Log each receipt
Whoever pays enters the receipt. Split items shared by only some households separately.
- 4
Settle when it suits you
Open the Settle tab for who pays whom, send the transfers and record them under "Settled payments".
Why we built FAMI-KAN
FAMI-KAN isn't just a calculator. It's a partner that handles the math so you can focus on what matters: "That dinner was amazing", "Where should we go next?" — preserving the afterglow of time well spent together.
Read more
The worst part of any trip comes at the very end — when everyone's tired and someone has to sort out the money. Lining up receipts, punching numbers into a calculator, trying to remember who paid what... it brings a cold, transactional feeling to what should be warm memories.
Existing apps are useful, but often too complex or require everyone to install the same app. For family gatherings spanning multiple generations, we needed something simpler — and warmer.
Need business-style splitting?
FAMIKAN Smart for Business & Dinners
"Seniors pay more", "Students pay less", "Late arrivals get adjusted" — complex tiered splits are set up in seconds with presets. Features like edit-locking and graph-enabled share text are built for organizers.
- • Role-based tiered split presets
- • Edit lock & graph-enabled sharing
- • Perfect for work dinners & mixers
Frequently Asked Questions
For things everyone uses about equally, such as a pack you divide into equal portions, an even split is simplest. For a mixed cart, a usage ratio like 1.0, 0.7 and 0.4 is fairer to smaller households. You can mix both in one event.
Enter it as its own payment with only those two under "Target Members", then use "Change shares for this payment only" to give both 1.0. An $18 pack comes to $9 each, whatever their usual ratios are.
If your group agrees, log the gas as a payment by the driver and it's split by the same ratios. Or add a Special Rule such as "Driver -$5", which lowers their share and spreads it across the others.
Log the whole receipt under that person. If the Smiths paid $420 and the shares are $200, $140 and $80, the settlement shows the Johnsons sending $140 and Alex sending $80.
Enter those items as a separate payment with only that household under "Target Members". If someone else paid, the full amount goes back to the payer in the settlement.
Changing a ratio recalculates every payment in the event. To keep past runs as they were, settle and lock the current event, then duplicate it from the history on the home page and set the new ratios.
Yes. Every bill-splitting and settlement feature is free to use, and no registration is required.
No. It runs entirely in your web browser. Just share the link and everyone can access it immediately on their phones.
Yes, you can select the currency when creating an event (almost every official currency in the world). You can unify calculations easily for trips abroad.
Yes. You can switch between three views — "Settlement", "By Member" and "By Item". You can see what each person paid and owes, and for any single expense, who is covering how much. Everyone sees why the number is what it is, on the same screen.