IBKTopr

IBKTopr is a user-oriented app for managing shared expenses. It tracks upfront payments, individual liabilities, and net balances, ensuring every expense is clearly accounted for. Users can simulate cost-splitting based on headcount, duration of participation, frequency of usage, or custom weights to visualize how changes in rules affect the final amounts. All calculations are performed using the smallest currency unit, applying precise rules for distributing remainders. The system visualizes original payment relationships and optimized settlement paths; it employs mixed-integer programming to minimize the number of transactions while supporting constraints such as designated payees, prohibited direct paths, and member-to-member transfers. Users can view source bills at every stage and record partial settlements and linked refunds. Rule snapshots facilitate the tracking of subsequent changes, while ledger archiving and spreadsheet export options make it easy to save and share data.