Cash Game Settlement
Enter chip amounts and cash-to-chip ratio to calculate how much cash each player owes or is owed after your cash game home poker session.
Enter the number of chips and their cash value to calculate the ratio automatically
👥Players
Summary
Settlement Results
How Poker Cash Game Settlement Works
After a home cash game ends, every player has a chip-in amount (what they bought in for) and a chip-out amount (what they finished with). The difference between the two is each player's net win or loss. Settling up means turning those net numbers into real cash payments - and doing it in as few transfers as possible.
- Add every player and enter their chip-in and chip-out totals.
- Set your chip-to-cash ratio so chip counts convert to dollar amounts.
- Get a settlement plan showing exactly who pays who, and how much.
Frequently Asked Questions
How does the poker settlement calculator work?
Enter each player's chip-in (starting buy-in) and chip-out (final chip count) amounts, plus your cash-to-chip ratio. The calculator works out each player's net win or loss, then figures out the smallest possible number of payments so everyone ends up settled - instead of every loser paying every winner individually.
What is a chip-to-cash ratio and how do I set it?
The ratio converts poker chip values into real money, e.g. 100 chips = $10 means every chip is worth $0.10. Set the chips and cash fields to match your buy-in (for example, if a $20 buy-in gets each player 200 chips, enter 200 chips and 20 cash) and every calculation below updates automatically.
Does this work for any home poker game, not just Texas Hold'em?
Yes. The settlement math only cares about how many chips each player started and ended with, so it works for any cash game format - Texas Hold'em, Omaha, Seven Card Stud, or a mixed game night.
Why does it combine payments instead of everyone paying winners directly?
If five players lost and three players won, settling "everyone pays everyone" can take a dozen separate transfers. This calculator finds the minimum number of payments needed, so a home game usually settles in just a handful of Venmo/cash transfers instead.
Is this cash game settlement calculator free to use?
Yes, it's completely free with no sign-up required. If you want to track chips live during the game instead of settling up afterward, Poker Chip also offers real-time digital chip tracking for home games.