Poker Settlement Calculator
Enter each player's buy-in and cash-out. The calculator shows the fewest transfers needed to settle up — no spreadsheet required.
How It Works
The calculator computes each player's net (cash-out minus buy-in). Players who are down owe money; players who are up receive money. It then matches payers to receivers using a greedy algorithm that minimizes the number of transfers.
Why This Matters
The most common source of post-game arguments is money. Who paid what? Did someone re-buy? Where did the extra $20 go? A clean settlement removes all ambiguity and lets everyone leave the table feeling good.
Pro Tip
Want to Save Your Results?
This calculator is great for a one-off game. If you host weekly, Cash Game Host saves your player roster, tracks every buy-in and cash-out in real time, splits shared expenses automatically, and generates settlement every game — with lifetime player stats built in.
Save & Reuse Every Week
Cash Game Host remembers your players, tracks buy-ins in real time, and settles your game automatically. Free forever.
Get Started FreeFrequently Asked Questions
How does the settlement calculator work?
It computes each player's net (cash-out minus buy-in), then uses a greedy algorithm to find the minimum number of transfers needed to settle all debts.
What if the numbers don't add up?
If total buy-ins don't equal total cash-outs, something was recorded wrong. Check for missed re-buys or miscounted chips before settling.
Can I use this for games with shared expenses?
This calculator handles buy-ins and cash-outs only. For expense splitting integrated into settlement, use Cash Game Host.