Tot Up. Open Tot Up

Holiday money, totted up.

Log what everyone spends — in any currency — and end the trip knowing exactly who pays whom, in pounds. Your mates join with one link and their email. No passwords, no app to install, no fees.

Start a trip Free · takes about a minute

What it does

A trip is one shared list. Everything below falls out of it.

Add an expense in seconds

Amount, what it was, done. Splitting equally between everyone is the default; uneven splits — a subset, exact amounts, or shares — are two taps away.

Any currency, honest rates

Paid in euros or złoty? It’s converted to pounds at the European Central Bank’s rate for the day you paid — or type exactly what your card statement says.

See why you owe what you owe

Every number opens up to the expenses behind it, penny for penny. No black-box maths, no “just trust us”.

Settle up with fewer payments

Debts chain together so the whole group squares up in fewer payments — paid straight from your banking app, or by Monzo or PayPal link. We never touch the money.

One link in the group chat, and everyone’s in.

  1. 1

    Start a trip, share the link

    Name the trip, drop the link in the group chat. Friends tap it, pick their name, and sign in with their email — no passwords, no app to install.

  2. 2

    Log things as you go

    Whoever pays, adds it. Paid someone back in cash mid-trip? Record that too — everything’s kept, nothing’s lost.

  3. 3

    Tot it up and settle

    One tap shows who pays whom, in pounds. Both sides confirm when the money’s moved. All square.

Want the detail? See how it works, screen by screen ›

Free. No ads. Not a bank.

The ledger, the splitting and the settling are free — and always will be. We never touch your money: you pay each other directly, the way you already do.

Start a trip

Read the full pledge and the fair maths ›