Use with Venmo or Apple Pay: decide who owes whom first, then pay as usual
No install, no sign-up. 100% free.
For example, a trip you'll settle with Venmo
3 adults and 1 kid. Hotel, groceries and gas were paid by different people.
Who sends whom how much? Should the kid pay the same? How many transfers?
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?
Many expenses, unclear amounts
Kids or non-drinkers should pay less
Too many back-and-forth payments
→ Amounts from FAMI-KAN, payment from your usual app.
FAMI-KAN combines ratios, many expenses and expenses for only some people, then nets them into one transfer per pair. Send the result with Venmo, Apple Cash, PayPal or a bank transfer. No install, no sign up, completely free.
Don't let tedious money calculations ruin a great memory.
A paid the hotel, B the groceries, C the gas. Who should send whom how much?
Enter all the expenses and FAMI-KAN nets them into the fewest transfers. Then send those amounts with your payment app.
Kids or non-drinkers should pay less.
Set ratios such as adult 1.0 and kid 0.5, and everyone's amount is calculated.
Do we need to change payment apps?
No. FAMI-KAN decides the amounts and never handles money. Keep paying with your usual app or bank transfer.
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
The easiest way to use FAMI-KAN with Venmo or Apple Pay is to let FAMI-KAN work out the amounts first, then send them the way you always do. FAMI-KAN never touches the money; it just tells you who should send whom how much. The tricky part of paying friends back isn't the payment, it's knowing the amount. Say three friends take a weekend trip: Jess pays the $450 hotel, Omar the $150 groceries and Tara the $60 gas. Split evenly, each share is $220. Instead of a string of requests back and forth, there are just two transfers: Omar sends Jess $70 and Tara sends Jess $160. Add a kid at half price or a dinner only two of them went to, and working it out in your head gets much harder. In FAMI-KAN, everyone logs what they paid from a shared link, with ratios and "Target Members" for anything that isn't an even split. Then each person sends their amount through Venmo, Apple Cash, PayPal or a bank transfer, and you record it under "Settled payments" so everyone can see what's still open.
Simple 3-Step Guide
No app downloads or accounts needed.
- 1
Create an event
Start an event, add everyone and choose the currency. No install or sign-up is needed.
- 2
Log every expense
Whoever paid enters it. Set ratios or untick people for anything that isn't an even split.
- 3
Check who owes whom
The Settle tab shows the fewest transfers needed, rounded to your chosen unit.
- 4
Pay with your usual app
Send the amounts with Venmo, Apple Cash, PayPal or a bank transfer, then 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
Enter every expense in FAMI-KAN with who paid it. The Settle tab shows exactly who owes whom, so you send or request just those amounts in Venmo.
With many expenses, that means lots of requests in both directions. FAMI-KAN nets everything first: in a trip where Jess paid $450, Omar $150 and Tara $60, it comes down to two transfers, $70 and $160, both to Jess.
Yes. Set a rounding unit, such as $1, on the Settings tab, and every transfer in the settlement is rounded to it.
Once someone has sent their Venmo or Apple Cash payment, record it under "Settled payments" on the Settle tab. It's deducted from what they owe and drops off the list.
Record the amount they sent under "Settled payments". Only the remaining balance stays in the settlement until they send the rest.
Yes. Share the link, or use "Send Postcard" to create one image with the total and who pays whom, and post it in your group chat.
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.