Model a real group pool: contributors pay in, organizers spend, and every family sees the same view. Try the default 25-parent travel sports team, or edit every row to match your own group.
Runs in your browser. Nothing saved, nothing sent.
Example scenario
Twenty-five parents each contribute $300 into the team fund at the start of the season. Five organizing parents run the day-to-day: tournament food, water and snacks, senior gifts, team t-shirts, end-of-season banquet, coach gifts. Every family is entitled to see the full picture — who paid in, what was spent, who spent it, and what is left.
This is the problem a group wallet solves. Tracking only tells you what is owed. A group wallet shows the pool.
Collected
$7,500.00
from 25 contributors
Spent
$4,478.00
across 10 line items
Remaining
$3,022.00
Available for refunds or next cycle
Who paid into the pool and how much.
What was spent from the pool, with the organizer who paid up front.
Each organizing parent fronted money for the team. The pool owes them back these amounts at cycle close.
| Organizer | Total out-of-pocket | Reimbursement owed |
|---|---|---|
| Thompson family | $1,310.00 | $1,310.00 |
| Johnson family | $1,070.00 | $1,070.00 |
| Patel family | $1,070.00 | $1,070.00 |
| Brooks family | $627.00 | $627.00 |
| Lewis family | $401.00 | $401.00 |
Pro-rata view every family sees: their contribution, their share of the season's spending, and the refund they would receive if the pool closed today.
| Contributor | Contributed | Share of spend | Refund if closed today |
|---|---|---|---|
| Alvarez family | $300.00 | $179.12 | $120.88 |
| Brooks family | $300.00 | $179.12 | $120.88 |
| Chen family | $300.00 | $179.12 | $120.88 |
| Davies family | $300.00 | $179.12 | $120.88 |
| Edwards family | $300.00 | $179.12 | $120.88 |
| Fischer family | $300.00 | $179.12 | $120.88 |
| Garcia family | $300.00 | $179.12 | $120.88 |
| Huang family | $300.00 | $179.12 | $120.88 |
| Ibrahim family | $300.00 | $179.12 | $120.88 |
| Johnson family | $300.00 | $179.12 | $120.88 |
| Kowalski family | $300.00 | $179.12 | $120.88 |
| Lewis family | $300.00 | $179.12 | $120.88 |
| Martin family | $300.00 | $179.12 | $120.88 |
| Nguyen family | $300.00 | $179.12 | $120.88 |
| O'Brien family | $300.00 | $179.12 | $120.88 |
| Patel family | $300.00 | $179.12 | $120.88 |
| Quinn family | $300.00 | $179.12 | $120.88 |
| Rodriguez family | $300.00 | $179.12 | $120.88 |
| Singh family | $300.00 | $179.12 | $120.88 |
| Thompson family | $300.00 | $179.12 | $120.88 |
| Umar family | $300.00 | $179.12 | $120.88 |
| Vargas family | $300.00 | $179.12 | $120.88 |
| Williams family | $300.00 | $179.12 | $120.88 |
| Xu family | $300.00 | $179.12 | $120.88 |
| Yamamoto family | $300.00 | $179.12 | $120.88 |
A calculator is great for modeling a single season. It will not collect the $300 from each parent, record receipts from the five organizing moms, reimburse them automatically at cycle close, or refund the unspent balance pro-rata at the end of the year.
That is what a real group wallet does — and why Divy It Up is a financial operating system for groups, not just an expense tracker with a payments button bolted on.
It models the case a group wallet is built for: many contributors pay into a shared pool, a few organizers spend from it, and every member gets a clean view of what was collected, what was spent, who spent it, and what remains. The default scenario is a 25-parent travel sports team where each family contributes $300 and five organizing moms run food, gifts, shirts, and end-of-season costs across the season.
In the default scenario, five of the 25 contributing parents are also organizing moms — the people actually buying the food, coach gifts, and team shirts out of pocket and then getting reimbursed from the pool. The calculator shows each organizer's total out-of-pocket amount and the reimbursement they are owed when the cycle closes.
Each contributor's share of the total spend is their (contribution ÷ total collected) × total spent. Their refund if the pool closed today is their contribution minus that share. If everyone contributed equally, refunds come out equal; if contributions were uneven, the refund stays fair to the amounts people actually paid in.
No. The calculator runs entirely in your browser. You can edit contributors, add expenditures, rename people, and reset — nothing is uploaded or saved on our servers.
A simple split calculator asks "who paid what for one thing" and tells you who owes whom. That does not describe a traveling sports team, a fraternity chapter, a club, or a trip fund, because those groups pool money first and then spend it over weeks or months. This calculator treats the pool as the object — which is how the real world actually works.
Divy turns the pool into a real group wallet with Group Financial Transparency: contributions flow in, the organizers spend from it in-app, every member sees the same live view, and at cycle close Divy settles reimbursements and refunds automatically. The calculator shows the math. Divy It Up runs the system.
Divy It Up turns this exact scenario into a real group wallet — contributions, reimbursements, transparency, and refunds, all in one place.
