Free poker tool

Home Game Settle-Up Calculator

Type each player's buy-in and cash-out to build a compact payment list. A shared link puts those names and amounts in its URL, so use placeholders for private games.

PlayerBuy-inCash-out

1
Buy-inCash-out
Net-100.00
2
Buy-inCash-out
Net+50.00
3
Buy-inCash-out
Net-50.00
4
Buy-inCash-out
Net+100.00

Buy-ins

400.00

Cash-outs

400.00

Drift

0.00

Payments

Player 1Player 4100.00
Player 3Player 250.00

How home game settle-up actually works

For every player, compute net = cash-out − total buy-ins. Winners have a positive net, losers have a negative net. The sum of all nets must be zero — if it isn't, somebody miscounted chips or forgot a re-buy.

The calculator uses a compact greedy pass: it sorts balances by size and repeatedly matches the largest debtor with the largest creditor. This settles every balanced table, but it does not search every possible transfer graph and does not promise the global minimum number of payments.

Tips for a smooth poker night

Agree on chip values before the first hand.
Track every re-buy on paper or in an app — chips lie.
Cash out one player at a time, count chips with a witness.
Allow card transfers for players who didn't bring enough cash.
Save the final settlement somewhere — disputes always come up later.