End the night with zero confusion. Enter buy-ins and cash-outs, and get the minimum number of transfers to settle up.
Get started free Free forever — 10 sessions includedAfter a home game wraps up, the last thing anyone wants is a complicated accounting exercise. PokerCharts makes settlement simple — just enter each player's total buy-in amount and their final cash-out, and the calculator handles everything else. You can add as many players as you need, and the interface is designed to be fast enough to use while everyone is still at the table. No more scribbling on napkins or arguing about who owes what; the numbers are clear and transparent for the whole group.
The settlement algorithm calculates the fewest possible transactions needed to make everyone whole. Instead of every loser paying every winner individually, which can require dozens of transfers in a large game, PokerCharts optimizes the payment paths so the group settles with the minimum number of payments. This reduces the complexity of settling up through Venmo, cash, or any other payment method. The math is handled instantly, and the result is a clear list showing exactly who pays whom and how much.
Whether your home game has four regulars or fifteen players rotating through, the settlement calculator scales effortlessly. Each player can have multiple buy-ins throughout the night, and the calculator correctly totals everything before computing the final settlement. You can also handle situations where a player leaves early and settles individually, then run the calculator for the remaining group. The flexibility accommodates the messy reality of home games where players come and go at different times.
Once the settlement is calculated, you can share the results with your group through a clean, easy-to-read summary. Copy the settlement breakdown to paste into your group chat, or let each player see exactly what they owe or are owed. Having a clear record also helps avoid disputes days later when someone forgets the details. PokerCharts saves your home game history so you can look back at past games, track which players are up or down over time, and keep a running record of your home game results.
Add up each player's total buy-ins (including rebuys) and their final cash-out. Subtract buy-ins from cash-outs to get each player's net result. Winners are owed the sum of losers' net losses. The naive way is everyone-pays-everyone — for 8 players that's up to 28 transactions. PokerCharts' settlement calculator solves it as a graph optimization, producing the minimum number of transfers (typically 3–5 for an 8-player game) so settling up is fast.
Use a settlement calculator that produces minimum transfers, then have everyone Venmo / Zelle / cash directly to whoever they owe. Don't try to chain payments through one person — that creates a creditor risk. PokerCharts' calculator outputs a clean list ("Bob pays Alice $80, Bob pays Carol $40, Dave pays Carol $30") that you can paste into the group chat for clarity.
A chop is when remaining players agree to split the prize pool before the tournament finishes. The fairest split uses ICM (Independent Chip Model) — calculates each player's expected equity based on chip stacks and remaining payouts. A simple chip-chop (split proportional to chips) overpays the chip leader; ICM smooths that out. Many home games use a "save" — guarantee everyone a minimum, then play out the rest for the difference.
Yes. Each player can have multiple buy-ins logged through the night — every rebuy adds to their total investment. The settlement calculator uses the total buy-in (sum of all entries) and the final cash-out to compute net results. Rebuys are common in cash games and re-entry tournaments; the calculator handles both without separate logic.
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