Creating and settling a notebook
Updated on 18 June 2026
From creating a notebook to closing it, the step by step for shared expenses that add up exactly.
A notebook stays with you from the first euro fronted to the last repayment. Here is how to create one, enter the expenses in it, track the balances and close it once everyone is settled up.
Create the notebook
Give it a clear name (Weekend in Lyon, Flat share, Joint gift) so you can find it easily.
Add the participants
List everyone involved from the start, so you do not have to correct things later.
Enter the expenses as you go
For each expense, specify who paid and who it counts for.
Check the balances
The notebook continuously calculates what each person owes or is owed.
Follow the repayment plan
Apply the suggested list of transfers, kept as short as possible, and record each repayment.
Close the notebook
Once all balances are at zero, settle the notebook and export the summary if you wish.
Reading the balances well
A positive balance means a person fronted more than their share: they are owed the difference. A negative balance means they still owe something. The minimal repayment plan shows exactly who sends how much and to whom.
Manage balances and repaymentsUnderstand everything about balance calculation and the minimal plan.
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