How do I settle payments in a Group?
Emma’s Settle feature makes it super easy to split expenses with friends and close the loop on who owes what. Once you’ve all added your expenses to a Group, Emma can automatically calculate the simplest way to settle up — saving you the headache of figuring it out manually.
Tap into your Group from the Feed.
Tap the “Settle” button.
Emma will instantly calculate the most efficient way to pay each other back.
You’ll see a summary of who should pay whom — and for how much.
Behind the scenes, Emma looks at everyone’s total balance and finds the smartest way to reduce the number of payments needed. It does this by:
Matching the person who owes the most with the person who’s owed the most.
Settling as much as possible between them.
Repeating this process until everyone is squared up.
This way, you avoid a mess of unnecessary transactions — and everyone gets paid back fairly.
Here’s how it works:
Tap into your Group from the Feed.
Tap the “Settle” button.
Emma will instantly calculate the most efficient way to pay each other back.
You’ll see a summary of who should pay whom — and for how much.
Behind the scenes, Emma looks at everyone’s total balance and finds the smartest way to reduce the number of payments needed. It does this by:
Matching the person who owes the most with the person who’s owed the most.
Settling as much as possible between them.
Repeating this process until everyone is squared up.
This way, you avoid a mess of unnecessary transactions — and everyone gets paid back fairly.
Updated on: 03/04/2025
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