The easiest way to share expenses with friends, roommates, and travel companions. Divide any bill equally, by percentage, or by item in seconds.
Enter your total bill, add the number of people, choose your split method, and get instant results.
Choose the method that fits your group
Divide the total evenly among everyone. The classic N-Bang method. Fast, simple, and fair when everyone ordered similarly.
Assign custom percentages to each person. Perfect for splitting by income ratio or when contributions vary across the group.
Assign specific items to each person and split shared items evenly. The fairest option for mixed-order restaurant bills.
Type in the total amount, including tax and tip, or add items individually for an itemized split.
Enter the number of people in your group and choose equal, percentage, or itemized splitting.
See exactly what each person owes. Share the breakdown via link or screenshot. Done in seconds.
Why fair expense sharing matters more than ever
Bill splitting has evolved from an awkward social negotiation into a seamless digital transaction. Americans now split over 85 million restaurant bills per month, according to Toast POS data from 2025. Venmo alone processed $68 billion in peer-to-peer payments in Q4 2025, with bill splitting among the top use cases. Gen Z and millennials are 3x more likely to split bills than baby boomers, per a 2025 Bankrate survey. With restaurant prices now 35% higher than pre-COVID levels (Bureau of Labor Statistics CPI data, February 2026), splitting costs fairly has become not just a preference but a financial necessity for millions of diners.
In Korean, "N빵" literally means "divide by N people." The term 빵 is a playful phonetic adaptation of "분의" (divided by), and the expression has become ubiquitous in Korean daily life. Unlike Western "going Dutch" culture where each person pays separately at the register, Korean bill splitting typically involves one person paying the entire bill, then collecting each person's share digitally. With Korea's digital payment adoption rate at a staggering 97% (Bank of Korea, 2025), apps like KakaoPay, Toss, and direct bank transfers make instant bill splitting nearly frictionless. This cultural phenomenon is now spreading globally as payment apps remove the barriers to splitting costs efficiently. Our complete guide to bill splitting in 2026 covers how these cultural trends are reshaping the way the world handles shared expenses.
Equal splitting works best when everyone at the table ordered items in a similar price range. It is the fastest method and avoids the complexity of tracking individual orders. Proportional splitting by income is increasingly popular among friend groups where there is significant income disparity — for example, a group dinner where some friends are students and others are working professionals. Itemized splitting, where each person pays only for what they ordered (plus a proportional share of tax and tip), is widely considered the fairest option for restaurant bills where individual orders vary significantly. A 2025 study by NerdWallet found that 62% of Americans have felt uncomfortable about how a bill was split, underscoring the importance of choosing the right method. For a deeper dive into each approach, read our guide on how to split bills fairly with friends.
Whether you are dining out with coworkers, planning a group vacation, or splitting rent with roommates, having the right tool makes all the difference. The best bill splitting apps in 2026 combine instant calculation with seamless payment integration, but sometimes all you need is a quick, free calculator to determine each person's share — and that is exactly what N-Bang provides.
Common questions about bill splitting and N빵
N빵 (N-ppang) is a Korean slang term that means "divide by N people." The "빵" is a playful phonetic adaptation of "분의" (divided by). For example, if 4 friends split a bill, it is called "4빵" (sa-ppang). The term originated in Korean youth culture and is now widely used across all age groups in South Korea. It reflects Korea's communal dining culture where one person typically pays the full bill and then collects each person's share digitally via apps like KakaoPay or Toss.
The fairest method depends on the situation. Equal splitting works best when everyone ordered similar items. Itemized splitting — where each person pays for exactly what they ordered plus a proportional share of tax and tip — is the fairest approach when orders vary significantly. Proportional splitting by income is gaining popularity among friend groups with income disparity. A 2025 NerdWallet study found that 62% of Americans have felt uncomfortable about how a bill was split, so choosing the right method matters for maintaining healthy relationships.
Equal splitting is faster and works well for casual meals where everyone ordered in the same price range. However, if one person ordered a $15 salad and another had a $60 steak, itemized splitting is more equitable. A good rule of thumb: if the most expensive order is more than double the cheapest, consider itemized splitting. For shared appetizers, desserts, or bottles of wine, split those items equally and assign individual entrees to each person.
The best bill splitting apps in 2026 include Splitwise (best for tracking group expenses over time), Venmo (best for quick peer-to-peer payments in the US), Zelle (best for instant bank transfers), KakaoPay and Toss (dominant in South Korea with 97% adoption), and PayPal (best for international splits). For a free calculator without needing to download an app, nbbang.org provides instant bill splitting with equal, percentage, and itemized options. See our full review of the best bill splitting apps.
In 2026, cashless bill splitting is the norm. Have one person pay the full bill on their card, then use a peer-to-peer payment app like Venmo, Zelle, KakaoPay, or Toss to collect each person's share instantly. Alternatively, many restaurants now allow split payments across multiple cards at the point of sale. Use a bill splitting calculator to determine exact amounts before requesting payments to avoid confusion or disputes.
Tips and guides for smarter expense sharing
Everything you need to know about splitting bills fairly with friends, roommates, and travel groups. Covers methods, apps, etiquette, and common awkward situations.
Read the full guide →Compare the top bill splitting and payment apps. In-depth reviews of Splitwise, Venmo, KakaoPay, Toss, Zelle, and more with pros, cons, and recommendations.
Read the full review →Different methods for splitting (equal, proportional, itemized), etiquette tips for awkward situations, and cultural perspectives including Korean 더치페이 culture.
Read the full guide →