Reading the Poker Now ledger
The ledger lists each player's total buy-in and final stack; the net column is the difference. Positive nets are owed money, negative nets owe it. All nets must sum to zero — winners are paid exactly by losers.
Fewest transfers, zero arguments
Your Poker Now game ended and the ledger shows who's up and who's down — but not who should pay whom. Enter each player's buy-in and final stack below and the calculator produces the minimum set of payments that settles everyone. It also explains the two reasons a ledger refuses to balance.

Minimum number of payments to settle
Works for Poker Now, home games, any ledger
Catches unbalanced ledgers before money moves
Live calculator
Total buy-in
$400
Total cash-out
$480
Status
Check totals
Suggested payments
Blake pays Alex $60.00
Casey pays Alex $20.00
The ledger lists each player's total buy-in and final stack; the net column is the difference. Positive nets are owed money, negative nets owe it. All nets must sum to zero — winners are paid exactly by losers.
Don't settle pairwise per pot — match the biggest loser to the biggest winner, pay off whichever side zeroes out first, and repeat. That is what the calculator above does; a table of six players almost always settles in five payments or fewer.
Two usual suspects: a rebuy recorded on one side but not the other, or a player who left mid-game without their cash-out being logged. Fix the entry rather than adjusting someone's number — a forced balance moves real money to the wrong person.
PokerChip.live is the same idea for a physical table: real cards, digital chips, and the ledger builds itself — buy-ins, rebuys, and cash-outs recorded as they happen, with this settlement math run automatically at the end.
FAQ
01
Take each player's net from the ledger (cash-out minus buy-in), then match losers to winners: the biggest debtor pays the biggest creditor until one side reaches zero, and repeat. The calculator on this page does it for you.
02
Usually an unrecorded rebuy or a mid-game leaver whose stack wasn't logged. Total buy-ins must equal total cash-outs; find the missing entry instead of forcing the numbers.
03
At most one fewer than the number of players with a non-zero result. Matching largest debts to largest credits usually gets close to that minimum.
04
They cover different nights: Poker Now hosts remote virtual tables, PokerChip.live runs in-person games with real cards and digital chips. Many groups use both and settle with this same calculator.
05
Yes. No sign-up, no download — enter buy-ins and cash-outs and the payment list appears instantly.
Crea una sala gratis, invita jugadores, sigue los stacks en vivo y comparte el resultado final.
Crear sala de juego