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Split bill UPI calculator with payment links
Split the bill, enter your UPI ID, and this page makes a UPI payment link for each friend with your name, their share and a note already filled in. They tap the link on their phone and it opens Google Pay, PhonePe, Paytm or any UPI app ready to pay you.
Updated November 2026
Private by design: everything on this page is calculated in your browser. Your UPI ID, names and amounts are not sent to SplitSimple or anyone else.
UPI split calculator
UPI payments are in Indian rupees only, so amounts here are in INR.
1. Split the bill
2. Your UPI details
Filled in from the split. Type to change it.
How it works
- Split. The total is divided by the number of people. If you paid and you are one of them, you get links for everyone else, since you do not need to pay yourself.
- Build the link. Each link follows the standard UPI format:
upi://pay?pa=your@upi&pn=Your%20Name&am=500.00&cu=INR&tn=Dinner.pais your UPI ID,pnyour name,amthe amount,cuthe currency andtnthe note. - Share. Copy one link at a time, or copy the summary with every link and paste it into your WhatsApp group.
- Pay. On a phone, tapping the link opens a UPI app such as Google Pay, PhonePe or Paytm with your details filled in. Your friend checks the amount and enters their own UPI PIN.
The page checks that your UPI ID looks right: a handle, an @ sign, then the bank or app suffix, like asha.k@okhdfcbank or 9876543210@ybl. It cannot check that the ID exists, so pay yourself ₹1 from another app if you are unsure.
Worked example: dinner for four
Asha pays a restaurant bill of ₹3,200 for four friends. She enters 3,200 and 4 people, leaves "I am one of these people" ticked, and adds her UPI ID. Each share is ₹800, and the page makes three links, one each for Ben, Chitra and Dev, all for ₹800.00 with the note "Dinner at Toit". She taps Copy summary and pastes this into the group chat:
| Payer | Amount | Pays to |
|---|---|---|
| Ben | ₹800.00 | Asha (her UPI ID) |
| Chitra | ₹800.00 | Asha (her UPI ID) |
| Dev | ₹800.00 | Asha (her UPI ID) |
If the bill was ₹3,250, the share would be ₹812.50. You can type 815 in the amount box to make it a round number. The extra ₹7.50 covers the paise and nobody has to think about it.
When a single link is not enough
Payment links work best for one bill paid by one person. On a trip where different people pay for the hotel, cabs and food, the right amounts depend on everything that was spent. Work out the balances first with the trip expense calculator, which tells you who pays whom with the fewest payments, then come back here to make links for each of those payments. A SplitSimple group does both in one place and remembers what was settled.
Frequently asked questions
Which apps open a UPI payment link?
Any UPI app installed on the phone, including Google Pay, PhonePe, Paytm, BHIM and most bank apps. On Android the phone asks which app to use. On iPhone the link usually opens the UPI app you installed most recently or that is set to handle UPI links.
Is it safe to share my UPI ID?
Yes. A UPI ID only lets people send money to you. Nobody can take money from your account with it. Money only leaves an account when its owner enters their own UPI PIN. Never enter your PIN to receive money.
Does SplitSimple see my UPI ID or the amounts?
No. The split and the links are calculated by JavaScript in your browser. Nothing you type on this page is sent to SplitSimple or anyone else.
Why does the link not open on my laptop?
UPI links only work on a phone with a UPI app. Copy the link or the summary and send it to your friends on WhatsApp. They tap it on their phone to pay.
Can my friend change the amount after opening the link?
Most apps show the amount filled in and some let the payer edit it before paying. Check your bank or UPI app history to confirm what each person actually sent.
Track it with your group
SplitSimple is free: add expenses, see who owes whom, and settle up with the fewest payments.
Start a group, free