Reading your personal ledger
How to read and verify your personal ledger in Settled Up.
What is the personal ledger?
Your personal ledger is a complete breakdown of your financial position within a tab. You can access it by tapping your name (or anyone's name) on the Balances screen.
It is split into two sections: Expenses and Settlements.
The Expenses card
This tells you about your share of the tab:
| Field | What it means |
|---|---|
| Total tab expenses | The total cost of everything on the tab, across all members. |
| Your share | Your portion of the expenses you were included in. Shows how many of the total expenses included you. |
| You paid | The total amount you put down as the payer across all expenses. |
If your share and what you paid are different, you either overpaid or underpaid relative to your fair share.
The Settlements card
This shows how the difference was resolved:
| Field | What it means |
|---|---|
| Overpaid / Underpaid | The difference between what you paid and your share. This is the amount that needs to be settled. |
| Received | Settlement payments you received from others. |
| Paid out | Settlement payments you made to others. |
| Net balance | Your current position. "All settled" means everything balances to zero. |
The numbers should add up: overpaid − received + paid out = net balance. If the net balance is zero, you are fully settled.
The Activity feed
Below the summary cards, the activity feed shows every individual transaction in chronological order (newest first). Each item shows:
- The description and amount
- Whether you lent (paid for others) or borrowed (others paid for you)
- A running balance showing your cumulative position after each transaction
You can use this to trace exactly how your balance built up over time.
Verifying the numbers
To check your ledger is accurate:
- 1 Check "Your share" matches the number of expenses you were part of. If you were excluded from an expense, your share will be lower than others.
- 2 Check "You paid" matches the expenses you remember paying for.
- 3 Check the overpaid/underpaid amount equals "You paid" minus "Your share".
- 4 Check the settlements add up: overpaid − received + paid out = net balance.
If anything looks wrong, check the individual expenses on the Expenses tab to see the per-person split for each one.