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Friends settling up after a home poker game, phone calculator on the table

Settle up a poker night without a single argument

Every home-game dispute traces back to the same moment: the game ends, and nobody's sure who bought in for what. The fix is a ledger kept during the game and a payout method that minimises transfers. Both take two minutes to learn.

The ledger: three columns, kept live

For each player, track total buy-in (every rebuy counts), and at the end, their final stack. Net = stack − buy-in:

PlayerBuy-insFinal stackNet
Alex$20$65+$45
Dana$40$55+$15
Sam$20$5−$15
Marco$60$15−$45
Total$140$140$0 ✓
The zero check: the Net column must sum to exactly zero — chips can't be created or destroyed. If it doesn't, a buy-in went unrecorded, and it's far easier to find now than after two people have gone home.

Pay out with the fewest transfers

Don't let everyone pay everyone. Match the biggest loser to the biggest winner and repeat — four players who could owe each other six different IOUs collapse to two payments:

The messy way (6 IOUs) Minimal transfers (2) Sam Alex Dana Marco Marco−45 Sam−15 Alex+45 Dana+15 $45$15
Same nets, two ways: pairwise IOUs (left) vs matching losers to winners (right). Marco pays Alex $45; Sam pays Dana $15. Done.
  1. List winners (+) and losers (−) from the ledger.
  2. Biggest loser pays the biggest winner until one of them hits zero.
  3. Repeat with what's left. For N players you'll never need more than N−1 transfers.

Prevent the disputes before they exist

Or let the table keep the books

When you host on Master Poker, this whole page happens automatically: every buy-in, top-up and cash-out is logged the moment it happens, the ledger is on-screen for the whole table (and always sums to zero — the engine enforces it), and when the game ends you get a shareable recap card with final standings and the minimal settle-up already computed. Whether your group squares anything at all — or it's just bragging rights — is entirely your own private business, and none of it happens on Master Poker.

A note on real money. This guide is educational. Master Poker is a play-chips-only social game — we never host wagers, hold funds, process payments, or take a cut, and nothing of monetary value changes hands on the platform. If you and your friends choose to settle real money among yourselves, that is a private arrangement entered into entirely at your own risk, and it is your own responsibility to make sure it is legal where you live. Laws on home-game and social gambling vary by country, state, and city — when in doubt, check your local rules first.

Host a game with a self-keeping ledger Free · play chips only · recap & settle-up card at the end