How much do your
mates owe you?

Tell it how often you're the one who taps, and how flaky your mates are about paying back. It does the sad maths, backed by actual research.

How often do you front the bill?

Group dinners $28 a head2 a month

$2,016 a year fronted

Rounds of drinks $14 a head2 a month

$1,008 a year fronted

Ubers / rides $9 a head2 a month

$648 a year fronted

Shared groceries / house stuff $15 a head1 a month

$540 a year fronted

Subscriptions on your card $6 a head1 on your card

$216 a year fronted

Tickets / events fronted $45 a head4 a year

$540 a year fronted

$4,968 a year, all up

Your group

Usual group size (including you)4

How reliably do they pay you back? Eventually, mostly

neverinstantly

You front for your mates

$4,968/yr

of which $994 never comes back

gone every month

$83

per mate, a year

$331

that's roughly

a festival ticket + camping

That's a real holiday you're funding for other people.

Where it goes, a year

Group dinners$403

Rounds of drinks$202

Ubers / rides$130

Shared groceries / house stuff$108

Subscriptions on your card$43

Tickets / events fronted$108

Never chase a mate again → join OneTap

$926

owed to the average adult for dinners, rides & trips

PayPal survey (US)

$37

unpaid is enough to start quiet resentment

Consumer research

90 days

until an IOU becomes a grudge

Consumer research

43%

would end a friendship over an unpaid debt

Bank of America

Rough estimate, for fun. Each category assumes a typical share per person, so a dinner is $28 a head and a round is $14. Averages and survey data, not your bank statement.