Poker settlement calculator

Everything starts with what each player put in. In a tournament, everyone's buy-in is the same and each rebuy or add-on costs the same again, so the calculator adds those up across the table to get the prize pool. In a cash game, every player has their own buy-in, so the pot is simply the sum of what each person actually put on the table, rebuys and add-ons included.

What each player is owed depends on the mode. In a tournament, the prize pool is split according to the payout structure you pick: winner takes all, a top-three split, or your own custom percentages, matched against the finishing positions you select. In a cash game there's no split to decide, because the chips already did it. Each player's result is their cash-out minus what they put in, and the balance checker confirms the cash-outs add up to the pot before you settle.

The interesting part is turning those results into payments. You could have every loser pay into a pot and every winner draw from it, but that's a pile of small transfers nobody wants to chase. So the calculator does it the lean way. It takes the biggest winner and the biggest loser and clears as much of that gap as one payment can cover. Whoever still has a balance left gets matched against the next person in line, and it repeats until everyone sits at zero. What you get is the fewest payments that settle the whole table, whichever mode you played.

To be clear about what this is: the tool works out who owes who and how much. It does not move any money. There's nothing to connect, no bank details, no payment processing. Once it shows you the list, you settle up however your group already does it, whether that's cash on the table or a transfer between phones. The calculator just removes the argument about the numbers.

The main use is the end of a poker night, when the game's done and you need to turn the result into who owes who. For a tournament, set your payout split and enter everyone's finishing position. For a cash game, count out each player's chips, type in their buy-in and cash-out, and the payments fall out cleanly even when everyone bought in for a different amount.

Rebuys are handled along the way. Every time someone goes back in, the pool grows, and trying to hold that running total in your head while you're also playing is a losing battle. Tick the rebuy count up as it happens and the pot tracks it live, so the final numbers are already right when the last hand's done.

It also covers the messier nights. A custom three-way split your group always uses, an add-on round halfway through, a cash game where the chip counts don't quite add up to the pot. The balance checker tells you exactly how far off you are and in which direction, so you can recount before anyone transfers a cent, or proceed knowingly if the books were never going to balance.

And when the result's ready, you don't have to relay it by hand. Copy the whole settlement as clean text and paste it into the group chat, or save it as a summary card image to share. Everyone sees the same results and the same list of who pays who, so there's nothing left to dispute.