How does debt shuffling work?
Imagine coming home from a trip where a bunch of your friends shared expenses. You shouldn’t have to write a check to each one of your friends; if you simplify it down, you should only have to pay a few people. BillMonk does the math to make settling up as easy as possible. Debt shuffling is a way to reduce the number of people you have to settle up with. Choose a group of people, and BillMonk will propose a way to shuffle debt around so that each person still owes the same net amount, but has debts with fewer people. We also pay attention to who you know the best (based on how often you share bills with them). We try to eliminate debts with people you don’t see that often, so that the debts that are left over after the shuffle are with people you can pay back easily.
