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.

Here’s how it works:

1. Tap into your Group from the Feed.
   
2. Tap the “Settle” button.
   
3. Emma will instantly calculate the most efficient way to pay each other back.
   
4. 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