diff --git a/apps/flipcash/core/src/androidMain/res/values/strings.xml b/apps/flipcash/core/src/androidMain/res/values/strings.xml
index 0e00a6b5f6..d588972214 100644
--- a/apps/flipcash/core/src/androidMain/res/values/strings.xml
+++ b/apps/flipcash/core/src/androidMain/res/values/strings.xml
@@ -1079,9 +1079,9 @@
     <string name="header_previousRequests">Previous Requests</string>
     <string name="label_requestProgress">%1$s paid, %2$s requested</string>
     <string name="label_requestCompleted">✓ %1$s paid</string>
-    <string name="title_amountPerPerson">Amount Per Person</string>
+    <string name="title_totalAmount">Total Amount</string>
     <string name="title_newRequest">New Request</string>
-    <string name="label_perPerson">per person</string>
+    <string name="label_requestTotal">Total</string>
     <string name="label_requestName">Name</string>
     <string name="title_requestName">What is the request for?</string>
     <string name="label_requestPeople">People</string>
@@ -1156,10 +1156,11 @@
     <!-- %1$s is a medium date and short time in the device locale: "Until Nov 2, 6:00 PM". -->
     <string name="value_requestUntil">Until %1$s</string>
     <string name="subtitle_requestAutoCloses">Request automatically closes after</string>
-    <plurals name="action_requestFromPeople">
-        <item quantity="one">Request %2$s from %1$d Person</item>
-        <item quantity="other">Request %2$s from %1$d People</item>
-    </plurals>
+    <!-- %1$s is the share when the total splits evenly: "Request $20 Each". -->
+    <string name="action_requestEach">Request %1$s Each</string>
+    <!-- %1$s is the smallest share when some shares are a cent more: "Request ~$33.33 Each". -->
+    <string name="action_requestEachApprox">Request ~%1$s Each</string>
+    <string name="title_splitBetween">Split Between</string>
     <string name="label_selectPeople_you">You</string>
     <string name="title_requestMaxPeople">100 People Max</string>
     <string name="description_requestMaxPeople">A request can include up to 100 people.</string>
diff --git a/apps/flipcash/features/messenger/src/main/kotlin/com/flipcash/app/messenger/internal/request/NewRequestDraft.kt b/apps/flipcash/features/messenger/src/main/kotlin/com/flipcash/app/messenger/internal/request/NewRequestDraft.kt
index 25b8c357c9..52c2bd6c4c 100644
--- a/apps/flipcash/features/messenger/src/main/kotlin/com/flipcash/app/messenger/internal/request/NewRequestDraft.kt
+++ b/apps/flipcash/features/messenger/src/main/kotlin/com/flipcash/app/messenger/internal/request/NewRequestDraft.kt
@@ -3,6 +3,7 @@ package com.flipcash.app.messenger.internal.request
 import com.flipcash.services.models.chat.ChatId
 import com.flipcash.services.models.chat.ChatMember
 import com.flipcash.services.models.chat.IdempotencyKey
+import com.flipcash.services.models.paymentrequest.NewShare
 import com.flipcash.services.models.paymentrequest.NewSplitRequest
 import com.flipcash.services.models.paymentrequest.PaymentRequestText
 import com.getcode.opencode.model.core.ID
@@ -14,10 +15,11 @@ import kotlin.time.Duration.Companion.minutes
 import kotlin.time.Instant
 
 /**
- * A payment request a creator is putting together in a private group, from Amount Per Person to
- * the confirm sheet. Frames 04–06 of the group requests spec.
+ * A payment request a creator is putting together in a private group, from Total Amount to the
+ * confirm sheet. Frames 04–06 of the group requests spec.
  *
- * @param members who Select People lists: the creator first, then the rest of the roster in its
+ * @param total what the shares add up to; see [splitTotal].
+ * @param members who Split Between lists: the creator first, then the rest of the roster in its
  *   order. Shares are sent in this order, whatever order the boxes were checked in.
  * @param selected who is asked, the creator included when [viewerId] is in it.
  * @param idempotencyKey minted when the confirm sheet first opens, and reused by every retry of
@@ -29,25 +31,37 @@ internal data class NewRequestDraft(
     val viewerId: ID,
     val members: List<ID>,
     val title: String,
-    val perPerson: Fiat? = null,
+    val total: Fiat? = null,
     val selected: Set<ID> = if (members.size > MAX_SHARES) emptySet() else members.toSet(),
     val deadline: Deadline = Deadline.Week,
     val idempotencyKey: IdempotencyKey? = null,
     val createdRequestId: ID? = null,
 ) {
-    /** Members asked other than the creator: the N in "Request $20 from N People". */
+    /** Members asked other than the creator. */
     val requestedCount: Int get() = selected.count { it != viewerId }
 
     val includesCreator: Boolean get() = viewerId in selected
 
-    /** Select People's button: at least one member other than the creator. */
+    /** Split Between's button: at least one member other than the creator. */
     val canContinue: Boolean get() = requestedCount > 0
 
-    val canSend: Boolean get() = canContinue && perPerson != null && title.isNotBlank()
+    val canSend: Boolean get() = canContinue && split != null && title.isNotBlank()
 
     /** Who is asked, in [members] order. */
     val shares: List<ID> get() = members.filter { it in selected }
 
+    /** [total] split between [shares], or null with no total or a total too small to give everyone a unit. */
+    val split: List<NewShare>? get() = total?.let { splitTotal(it, shares, viewerId) }
+
+    /** The largest share. */
+    val largestShare: Fiat? get() = split?.maxByOrNull { it.amount.quarks }?.amount
+
+    /** The smallest share: the amount in "Request ~$33.33 Each". */
+    val smallestShare: Fiat? get() = split?.minByOrNull { it.amount.quarks }?.amount
+
+    /** Some shares are a unit more than others, so the button's amount is shown with "~". */
+    val isUnevenSplit: Boolean get() = largestShare != smallestShare
+
     val people: People
         get() {
             val others = members.count { it != viewerId }
@@ -69,15 +83,14 @@ internal data class NewRequestDraft(
 
     /** What Create sends, with [now] the moment Send Request was tapped. */
     fun toSplit(chatId: ChatId, text: PaymentRequestText.Encrypted, now: Instant): NewSplitRequest? {
-        val amount = perPerson ?: return null
+        val amount = total ?: return null
         if (!canContinue) return null
         return NewSplitRequest(
             chatId = chatId,
             text = text,
             currency = amount.currencyCode,
             endsAt = deadline.endsAt(now),
-            shares = shares,
-            perPerson = amount,
+            shares = split ?: return null,
         )
     }
 
@@ -129,3 +142,27 @@ internal data class NewRequestDraft(
             listOf(viewerId) + roster.map { it.userId }.filter { it != viewerId }.distinct()
     }
 }
+
+/**
+ * [total] split equally between [shares], in their order: each gets the total over the share
+ * count, rounded down to the currency's smallest unit, and the units left over go one each to the
+ * first shares that are not [creator]'s. The creator's share is marked paid from creation, so the
+ * leftover lands on members who actually pay. The amounts always sum to [total].
+ *
+ * Null when there are no shares, or the total is fewer units than shares, since every share must
+ * be at least one unit.
+ */
+internal fun splitTotal(total: Fiat, shares: List<ID>, creator: ID): List<NewShare>? {
+    if (shares.isEmpty()) return null
+    val unit = total.smallestUnit.quarks.coerceAtLeast(1L)
+    val units = total.quarks / unit
+    val count = shares.size.toLong()
+    if (units < count) return null
+    val base = units / count
+    val remainder = (units % count).toInt()
+    val takesExtra = (shares.filter { it != creator } + shares.filter { it == creator }).take(remainder).toSet()
+    return shares.map { id ->
+        val shareUnits = if (id in takesExtra) base + 1 else base
+        NewShare(id, Fiat(quarks = shareUnits * unit, currencyCode = total.currencyCode))
+    }
+}
diff --git a/apps/flipcash/features/messenger/src/main/kotlin/com/flipcash/app/messenger/internal/request/RequestCopy.kt b/apps/flipcash/features/messenger/src/main/kotlin/com/flipcash/app/messenger/internal/request/RequestCopy.kt
index 0a0ee96c4c..9df1781ca4 100644
--- a/apps/flipcash/features/messenger/src/main/kotlin/com/flipcash/app/messenger/internal/request/RequestCopy.kt
+++ b/apps/flipcash/features/messenger/src/main/kotlin/com/flipcash/app/messenger/internal/request/RequestCopy.kt
@@ -20,9 +20,12 @@ internal fun peopleValue(people: NewRequestDraft.People, resources: ResourceHelp
 internal fun peopleDetail(people: NewRequestDraft.People, resources: ResourceHelper): String? =
     resources.getString(R.string.subtitle_requestMarkedPaid).takeIf { people.markedPaid }
 
-/** The summary's button, "Request <amount> from <n> People", the creator not counted. */
-internal fun requestButtonText(draft: NewRequestDraft, amount: String, resources: ResourceHelper): String =
-    resources.getQuantityString(R.plurals.action_requestFromPeople, draft.requestedCount, draft.requestedCount, amount)
+/**
+ * The summary's button, "Request <share> Each", [share] being the smallest share formatted. When
+ * [uneven], some shares are a unit more, so it reads "Request ~<share> Each".
+ */
+internal fun requestButtonText(share: String, uneven: Boolean, resources: ResourceHelper): String =
+    resources.getString(if (uneven) R.string.action_requestEachApprox else R.string.action_requestEach, share)
 
 /** The sheet for checking a 101st share: title and body. */
 internal fun maxPeopleNotice(resources: ResourceHelper): Pair<String, String> =
diff --git a/apps/flipcash/features/messenger/src/main/kotlin/com/flipcash/app/messenger/internal/request/RequestMoneyScreen.kt b/apps/flipcash/features/messenger/src/main/kotlin/com/flipcash/app/messenger/internal/request/RequestMoneyScreen.kt
index e928d2aabb..71008995a7 100644
--- a/apps/flipcash/features/messenger/src/main/kotlin/com/flipcash/app/messenger/internal/request/RequestMoneyScreen.kt
+++ b/apps/flipcash/features/messenger/src/main/kotlin/com/flipcash/app/messenger/internal/request/RequestMoneyScreen.kt
@@ -134,7 +134,7 @@ internal fun RequestMoneyScreen(
                     largeHeader = true,
                     appBar = {
                         AppBarWithTitle(
-                            title = stringResource(R.string.title_amountPerPerson),
+                            title = stringResource(R.string.title_totalAmount),
                             titleAlignment = Alignment.CenterHorizontally,
                             onBackIconClicked = back,
                         )
@@ -166,6 +166,7 @@ internal fun RequestMoneyScreen(
                         onBack = back,
                         onToggle = { viewModel.toggle(it.userId) },
                         onSend = back,
+                        title = stringResource(R.string.title_splitBetween),
                         buttonText = stringResource(R.string.action_done),
                         buttonEnabled = draft.canContinue,
                         viewerId = viewModel.viewerId,
@@ -371,7 +372,8 @@ private fun RequestSummaryContent(
     onTiming: () -> Unit,
     onRequest: () -> Unit,
 ) {
-    val amount = draft.perPerson?.text().orEmpty()
+    val amount = draft.total?.text().orEmpty()
+    val share = (draft.smallestShare ?: draft.total)?.text().orEmpty()
     val resources = LocalResources.current
     CodeScaffold(
         topBar = {
@@ -389,7 +391,7 @@ private fun RequestSummaryContent(
                     .padding(horizontal = CodeTheme.dimens.inset)
                     .padding(bottom = CodeTheme.dimens.grid.x2)
                     .testTag("request_summary_send"),
-                text = requestButtonText(draft, amount, resources),
+                text = requestButtonText(share, draft.isUnevenSplit, resources),
                 enabled = draft.canSend,
                 isLoading = sending,
                 onClick = onRequest,
@@ -409,7 +411,7 @@ private fun RequestSummaryContent(
                 color = CodeTheme.colors.textMain,
             )
             Text(
-                text = stringResource(R.string.label_perPerson),
+                text = stringResource(R.string.label_requestTotal),
                 style = CodeTheme.typography.textMedium,
                 color = CodeTheme.colors.textSecondary,
             )
diff --git a/apps/flipcash/features/messenger/src/main/kotlin/com/flipcash/app/messenger/internal/request/RequestMoneyViewModel.kt b/apps/flipcash/features/messenger/src/main/kotlin/com/flipcash/app/messenger/internal/request/RequestMoneyViewModel.kt
index 11e269d833..6a9fcad6a5 100644
--- a/apps/flipcash/features/messenger/src/main/kotlin/com/flipcash/app/messenger/internal/request/RequestMoneyViewModel.kt
+++ b/apps/flipcash/features/messenger/src/main/kotlin/com/flipcash/app/messenger/internal/request/RequestMoneyViewModel.kt
@@ -161,20 +161,20 @@ internal class RequestMoneyViewModel @Inject constructor(
         _state.update { it.copy(stage = Stage.Amount, draft = null) }
     }
 
-    /** Amount Per Person's Next. Zero stays put. */
+    /** Total Amount's Next. Zero stays put. */
     fun amountEntered() {
         val entered = amountDelegate.state.value.enteredAmount
         if (entered <= 0.0) return
-        val perPerson = Fiat(entered, currency)
+        val total = Fiat(entered, currency)
         val viewerId = userManager.accountId ?: return
         val chatId = _state.value.chatId ?: return
         val roster = rosters.state.value[chatId].orEmpty()
         _state.update { s ->
-            val draft = s.draft?.copy(perPerson = perPerson) ?: NewRequestDraft(
+            val draft = s.draft?.copy(total = total) ?: NewRequestDraft(
                 viewerId = viewerId,
                 members = NewRequestDraft.members(viewerId, roster),
                 title = defaultTitle(),
-                perPerson = perPerson,
+                total = total,
             )
             s.copy(stage = Stage.Summary, draft = draft)
         }
@@ -262,7 +262,7 @@ internal class RequestMoneyViewModel @Inject constructor(
                 val created = requests.create(split, key).getOrElse { return@launch failed(it, chatId, draft) }
                 // Once per confirm: a retry reuses createdRequestId and never reaches here.
                 analytics.track(
-                    PaymentRequestEvents.created(draft.requestedCount, AnalyticsState.SUCCESS, draft.perPerson?.analytics, null),
+                    PaymentRequestEvents.created(draft.requestedCount, AnalyticsState.SUCCESS, draft.total?.analytics, null),
                 )
                 created.id
             }
@@ -298,7 +298,7 @@ internal class RequestMoneyViewModel @Inject constructor(
             PaymentRequestEvents.created(
                 draft.requestedCount,
                 AnalyticsState.FAILURE,
-                draft.perPerson?.analytics,
+                draft.total?.analytics,
                 error.analytics,
             ),
         )
diff --git a/apps/flipcash/features/messenger/src/main/kotlin/com/flipcash/app/messenger/internal/screens/cash/GroupSendScreens.kt b/apps/flipcash/features/messenger/src/main/kotlin/com/flipcash/app/messenger/internal/screens/cash/GroupSendScreens.kt
index 9b42cf5fc6..17ab621fb5 100644
--- a/apps/flipcash/features/messenger/src/main/kotlin/com/flipcash/app/messenger/internal/screens/cash/GroupSendScreens.kt
+++ b/apps/flipcash/features/messenger/src/main/kotlin/com/flipcash/app/messenger/internal/screens/cash/GroupSendScreens.kt
@@ -75,6 +75,7 @@ internal fun GroupSelectPeopleContent(
     onBack: () -> Unit,
     onToggle: (ChatMember) -> Unit,
     onSend: () -> Unit,
+    title: String = stringResource(R.string.title_selectPeople),
     buttonText: String = pluralStringResource(R.plurals.action_sendToPeople, selected.size, selected.size),
     buttonEnabled: Boolean = selected.isNotEmpty(),
     /** Shown as "You" rather than by name, for a list the viewer is on. */
@@ -84,7 +85,7 @@ internal fun GroupSelectPeopleContent(
     CodeScaffold(
         topBar = {
             AppBarWithTitle(
-                title = stringResource(R.string.title_selectPeople),
+                title = title,
                 titleAlignment = Alignment.CenterHorizontally,
                 onBackIconClicked = onBack,
             )
diff --git a/apps/flipcash/features/messenger/src/test/kotlin/com/flipcash/app/messenger/internal/request/NewRequestDraftTest.kt b/apps/flipcash/features/messenger/src/test/kotlin/com/flipcash/app/messenger/internal/request/NewRequestDraftTest.kt
index 161206b6cf..51ca28ea6a 100644
--- a/apps/flipcash/features/messenger/src/test/kotlin/com/flipcash/app/messenger/internal/request/NewRequestDraftTest.kt
+++ b/apps/flipcash/features/messenger/src/test/kotlin/com/flipcash/app/messenger/internal/request/NewRequestDraftTest.kt
@@ -4,6 +4,7 @@ import com.flipcash.app.messenger.internal.request.NewRequestDraft.Deadline
 import com.flipcash.app.messenger.internal.request.NewRequestDraft.People
 import com.flipcash.services.models.chat.ChatId
 import com.flipcash.services.models.chat.ChatMember
+import com.flipcash.services.models.paymentrequest.NewShare
 import com.flipcash.services.models.paymentrequest.PaymentRequestText
 import com.flipcash.services.models.UserProfile
 import com.getcode.opencode.model.core.ID
@@ -23,12 +24,15 @@ import kotlin.time.Instant
 class NewRequestDraftTest {
 
     private val viewer = id(0)
-    private val twenty = Fiat(20.0, CurrencyCode.USD)
+    private val twenty = usd(2_000)
     private val now = Instant.fromEpochSeconds(1_800_000_000)
 
     private fun id(n: Int): ID = listOf((n shr 8).toByte(), n.toByte())
 
-    private fun draft(memberCount: Int, rosterViewerAt: Int = 3) = run {
+    /** [cents] US cents, built from quarks so no double rounding creeps in. */
+    private fun usd(cents: Long) = Fiat(quarks = cents * 10_000, currencyCode = CurrencyCode.USD)
+
+    private fun draft(memberCount: Int, rosterViewerAt: Int = 3, total: Fiat = usd(52_000)) = run {
         // The viewer sits mid-roster to show the creator still goes first.
         val others = (1 until memberCount).map(::id)
         val roster = others.toMutableList().apply { add(rosterViewerAt.coerceAtMost(size), viewer) }
@@ -37,13 +41,13 @@ class NewRequestDraftTest {
             viewerId = viewer,
             members = NewRequestDraft.members(viewer, roster),
             title = "Saturday Request",
-            perPerson = twenty,
+            total = total,
         )
     }
 
     // 14
     @Test
-    fun `everyone selected asks 25 and sends 26 shares creator first`() {
+    fun `520 between everyone asks 25 and sends 26 shares of 20 creator first`() {
         val draft = draft(26)
 
         assertEquals(People.EveryoneIncludingYou, draft.people)
@@ -52,16 +56,21 @@ class NewRequestDraftTest {
         assertEquals(26, draft.shares.size)
         assertEquals(viewer, draft.shares.first())
         assertEquals((1 until 26).map(::id), draft.shares.drop(1))
+        assertEquals(draft.shares, draft.split!!.map { it.userId })
+        assertEquals(List(26) { twenty }, draft.split!!.map { it.amount })
+        assertEquals(twenty, draft.largestShare)
     }
 
     // 15
     @Test
-    fun `creator and one other reads one person including you`() {
-        val draft = draft(26).copy(selected = setOf(viewer, id(4)))
+    fun `40 between the creator and one other reads one person including you`() {
+        val draft = draft(26, total = usd(4_000)).copy(selected = setOf(viewer, id(4)))
 
         assertEquals(People.SomeIncludingYou(1), draft.people)
         assertEquals(1, draft.requestedCount)
         assertEquals(listOf(viewer, id(4)), draft.shares)
+        assertEquals(listOf(twenty, twenty), draft.split!!.map { it.amount })
+        assertEquals(twenty, draft.largestShare)
     }
 
     // 16
@@ -116,7 +125,86 @@ class NewRequestDraftTest {
 
         assertEquals(now + 28.days - 5.minutes, split.endsAt)
         assertEquals(CurrencyCode.USD, split.currency)
-        assertEquals(twenty, split.perPerson)
+        assertEquals(draft.split, split.shares)
+    }
+
+    // 49
+    @Test
+    fun `100 between the creator and two others puts the extra cent on the first other`() {
+        val draft = draft(5, total = usd(10_000)).copy(selected = setOf(viewer, id(1), id(2)))
+
+        assertEquals(listOf(viewer, id(1), id(2)), draft.split!!.map { it.userId })
+        assertEquals(listOf(usd(3_333), usd(3_334), usd(3_333)), draft.split!!.map { it.amount })
+        assertEquals(usd(3_334), draft.largestShare)
+        assertEquals(usd(3_333), draft.smallestShare)
+        assertTrue(draft.isUnevenSplit)
+        assertTrue(draft.canSend)
+    }
+
+    // 53
+    @Test
+    fun `100_02 between the creator and two others is three even shares`() {
+        val draft = draft(5, total = usd(10_002)).copy(selected = setOf(viewer, id(1), id(2)))
+
+        assertEquals(listOf(usd(3_334), usd(3_334), usd(3_334)), draft.split!!.map { it.amount })
+        assertEquals(usd(3_334), draft.smallestShare)
+        assertFalse(draft.isUnevenSplit)
+    }
+
+    // 50
+    @Test
+    fun `100_02 between three others without the creator is three even shares`() {
+        val draft = draft(5, total = usd(10_002)).copy(selected = setOf(id(1), id(2), id(3)))
+
+        val amounts = draft.split!!.map { it.amount }
+        assertEquals(listOf(usd(3_334), usd(3_334), usd(3_334)), amounts)
+        assertEquals(10_002L * 10_000, amounts.sumOf { it.quarks })
+    }
+
+    // 51
+    @Test
+    fun `2 cents between three people cannot be sent`() {
+        val draft = draft(5, total = usd(2)).copy(selected = setOf(viewer, id(1), id(2)))
+
+        assertNull(draft.split)
+        assertFalse(draft.canSend)
+        assertNull(draft.toSplit(ChatId(byteArrayOf(1)), sealed(), now))
+    }
+
+    // 52
+    @Test
+    fun `40 to one other without the creator is a single share of 40`() {
+        val draft = draft(5, total = usd(4_000)).copy(selected = setOf(id(2)))
+
+        assertEquals(listOf(NewShare(id(2), usd(4_000))), draft.split)
+        assertEquals(usd(4_000), draft.largestShare)
+    }
+
+    @Test
+    fun `the remainder skips the creator wherever the creator sits`() {
+        // 5 cents over 3 shares leaves 2 over: both go to the others, never the creator.
+        val shares = listOf(id(1), viewer, id(2))
+
+        val split = splitTotal(usd(5), shares, viewer)!!
+
+        assertEquals(listOf(usd(2), usd(1), usd(2)), split.map { it.amount })
+    }
+
+    @Test
+    fun `a total typed as a double still splits to the cent`() {
+        // 100.02 * 1e6 lands just under a whole quark.
+        val split = splitTotal(Fiat(100.02, CurrencyCode.USD), listOf(id(1), id(2), id(3)), viewer)!!
+
+        assertEquals(List(3) { usd(3_334) }, split.map { it.amount })
+    }
+
+    @Test
+    fun `a currency with no minor unit splits in whole units`() {
+        val yen = Fiat(quarks = 1_000L * 1_000_000, currencyCode = CurrencyCode.JPY)
+
+        val split = splitTotal(yen, listOf(viewer, id(1), id(2)), viewer)!!
+
+        assertEquals(listOf(333L, 334L, 333L), split.map { it.amount.quarks / 1_000_000 })
     }
 
     @Test
diff --git a/apps/flipcash/features/messenger/src/test/kotlin/com/flipcash/app/messenger/internal/request/RequestCopyTest.kt b/apps/flipcash/features/messenger/src/test/kotlin/com/flipcash/app/messenger/internal/request/RequestCopyTest.kt
index 2a6d1622d7..c96965aae5 100644
--- a/apps/flipcash/features/messenger/src/test/kotlin/com/flipcash/app/messenger/internal/request/RequestCopyTest.kt
+++ b/apps/flipcash/features/messenger/src/test/kotlin/com/flipcash/app/messenger/internal/request/RequestCopyTest.kt
@@ -16,7 +16,7 @@ import kotlin.test.assertEquals
 import kotlin.test.assertFalse
 import kotlin.test.assertNull
 
-/** The summary copy for the spec's cases 14, 15, 17 and 18. */
+/** The summary copy for the spec's cases 14–18, 49, 52 and 53. */
 @RunWith(RobolectricTestRunner::class)
 @Config(manifest = Config.NONE)
 class RequestCopyTest {
@@ -26,33 +26,60 @@ class RequestCopyTest {
 
     private fun id(n: Int): ID = listOf((n shr 8).toByte(), n.toByte())
 
-    private fun draft(memberCount: Int) = NewRequestDraft(
+    // As the summary formats an amount: "$20" for a whole amount, "$33.34" otherwise.
+    private fun Fiat.text(): String = formatted(Fiat.FormattingRule.Truncated)
+
+    private fun draft(memberCount: Int, total: Fiat = Fiat(520.0, CurrencyCode.USD)) = NewRequestDraft(
         viewerId = viewer,
         members = NewRequestDraft.members(
             viewer,
             (0 until memberCount).map { ChatMember(id(it), mockk<UserProfile>(relaxed = true), emptyList()) },
         ),
         title = "Saturday Request",
-        perPerson = Fiat(20.0, CurrencyCode.USD),
+        total = total,
     )
 
     // 14
     @Test
-    fun `everyone selected reads everyone including you and requests from 25 people`() {
+    fun `520 between everyone reads everyone including you and requests 20 each`() {
         val draft = draft(26)
 
         assertEquals("Everyone, Including You", peopleValue(draft.people, resources))
         assertEquals("You'll be marked as paid", peopleDetail(draft.people, resources))
-        assertEquals("Request $20 from 25 People", requestButtonText(draft, "$20", resources))
+        assertEquals("Request $20 Each", requestButtonText(draft.smallestShare!!.text(), draft.isUnevenSplit, resources))
     }
 
     // 15
     @Test
     fun `creator and one other read in the singular`() {
-        val draft = draft(26).copy(selected = setOf(viewer, id(4)))
+        val draft = draft(26, total = Fiat(40.0, CurrencyCode.USD)).copy(selected = setOf(viewer, id(4)))
 
         assertEquals("1 Person, Including You", peopleValue(draft.people, resources))
-        assertEquals("Request $20 from 1 Person", requestButtonText(draft, "$20", resources))
+        assertEquals("Request $20 Each", requestButtonText(draft.smallestShare!!.text(), draft.isUnevenSplit, resources))
+    }
+
+    // 49
+    @Test
+    fun `100 between three requests about the smaller share each`() {
+        val draft = draft(26, total = Fiat(100.0, CurrencyCode.USD)).copy(selected = setOf(viewer, id(1), id(2)))
+
+        assertEquals("Request ~$33.33 Each", requestButtonText(draft.smallestShare!!.text(), draft.isUnevenSplit, resources))
+    }
+
+    // 53
+    @Test
+    fun `100_02 between three splits evenly and has no tilde`() {
+        val draft = draft(26, total = Fiat(100.02, CurrencyCode.USD)).copy(selected = setOf(viewer, id(1), id(2)))
+
+        assertEquals("Request $33.34 Each", requestButtonText(draft.smallestShare!!.text(), draft.isUnevenSplit, resources))
+    }
+
+    // 52
+    @Test
+    fun `40 to one other requests 40 each`() {
+        val draft = draft(26, total = Fiat(40.0, CurrencyCode.USD)).copy(selected = setOf(id(2)))
+
+        assertEquals("Request $40 Each", requestButtonText(draft.smallestShare!!.text(), draft.isUnevenSplit, resources))
     }
 
     // 16
diff --git a/apps/flipcash/features/messenger/src/test/kotlin/com/flipcash/app/messenger/internal/request/RequestMoneyAnalyticsTest.kt b/apps/flipcash/features/messenger/src/test/kotlin/com/flipcash/app/messenger/internal/request/RequestMoneyAnalyticsTest.kt
index cf7b864229..675ea4d2d1 100644
--- a/apps/flipcash/features/messenger/src/test/kotlin/com/flipcash/app/messenger/internal/request/RequestMoneyAnalyticsTest.kt
+++ b/apps/flipcash/features/messenger/src/test/kotlin/com/flipcash/app/messenger/internal/request/RequestMoneyAnalyticsTest.kt
@@ -81,7 +81,8 @@ class RequestMoneyAnalyticsTest {
         vm.requestConfirm()
     }
 
-    private val perPerson = Fiat(5.0, CurrencyCode.USD)
+    // $5 between the creator and two others: Created reports the $5 total, not a $1.67 share.
+    private val total = Fiat(quarks = 5_000_000L, currencyCode = CurrencyCode.USD)
 
     @Test
     fun `a created request sends Created once, counting the people asked and not the creator`() {
@@ -91,7 +92,7 @@ class RequestMoneyAnalyticsTest {
         vm.send()
 
         assertEquals(
-            listOf(PaymentRequestEvents.created(2, AnalyticsState.SUCCESS, perPerson.analytics, null)),
+            listOf(PaymentRequestEvents.created(2, AnalyticsState.SUCCESS, total.analytics, null)),
             analytics.events,
         )
     }
@@ -104,7 +105,7 @@ class RequestMoneyAnalyticsTest {
         vm.send()
 
         assertEquals(
-            listOf(PaymentRequestEvents.created(2, AnalyticsState.FAILURE, perPerson.analytics, "denied")),
+            listOf(PaymentRequestEvents.created(2, AnalyticsState.FAILURE, total.analytics, "denied")),
             analytics.events,
         )
     }
diff --git a/libs/analytics-events/EVENTS.md b/libs/analytics-events/EVENTS.md
index 45a75af7a7..392b0f7a2f 100644
--- a/libs/analytics-events/EVENTS.md
+++ b/libs/analytics-events/EVENTS.md
@@ -340,7 +340,7 @@ Group payment requests: one amount asked of several members of a group chat. Pay
 
 ### Payment Request: Created
 
-A group payment request was created, on success or failure. The amount is what each person is asked for. `Payer Count` is the number of people asked, not counting the creator.
+A group payment request was created, on success or failure. The amount is the request's total, split between everyone in it, the creator included when they are. `Payer Count` is the number of people asked, not counting the creator.
 
 | Property | Type | Optional | Values |
 |---|---|---|---|
diff --git a/libs/analytics-events/events.toml b/libs/analytics-events/events.toml
index 223e9d0c66..1d27e1b304 100644
--- a/libs/analytics-events/events.toml
+++ b/libs/analytics-events/events.toml
@@ -622,7 +622,7 @@ properties = [
   { name = "Payer Count", type = "count" },
   { group = "outcome" },
 ]
-description = "A group payment request was created, on success or failure. The amount is what each person is asked for. `Payer Count` is the number of people asked, not counting the creator."
+description = "A group payment request was created, on success or failure. The amount is the request's total, split between everyone in it, the creator included when they are. `Payer Count` is the number of people asked, not counting the creator."
 
 [[event]]
 domain = "Payment Request"
diff --git a/services/flipcash/src/commonMain/kotlin/com/flipcash/services/internal/network/extensions/LocalToProtobuf.kt b/services/flipcash/src/commonMain/kotlin/com/flipcash/services/internal/network/extensions/LocalToProtobuf.kt
index 6a20150836..a9f017045f 100644
--- a/services/flipcash/src/commonMain/kotlin/com/flipcash/services/internal/network/extensions/LocalToProtobuf.kt
+++ b/services/flipcash/src/commonMain/kotlin/com/flipcash/services/internal/network/extensions/LocalToProtobuf.kt
@@ -453,10 +453,10 @@ internal fun NewSplitRequest.asGroupChatPaymentRequest(): PaymentRequestModel.Gr
         .setCurrency(currency.name.lowercase())
         .setEndsAt(endsAt.asTimestamp())
         .addAllShares(
-            shares.map { userId ->
+            shares.map { share ->
                 PaymentRequestModel.Share.newBuilder()
-                    .setUserId(userId.asUserId())
-                    .setNativeAmount(perPerson.decimalValue)
+                    .setUserId(share.userId.asUserId())
+                    .setNativeAmount(share.amount.decimalValue)
                     .build()
             }
         )
diff --git a/services/flipcash/src/commonMain/kotlin/com/flipcash/services/models/paymentrequest/PaymentRequest.kt b/services/flipcash/src/commonMain/kotlin/com/flipcash/services/models/paymentrequest/PaymentRequest.kt
index 3bc9454ffa..6bc56389a0 100644
--- a/services/flipcash/src/commonMain/kotlin/com/flipcash/services/models/paymentrequest/PaymentRequest.kt
+++ b/services/flipcash/src/commonMain/kotlin/com/flipcash/services/models/paymentrequest/PaymentRequest.kt
@@ -141,17 +141,20 @@ fun newerOf(held: PaymentRequest?, incoming: PaymentRequest): PaymentRequest = w
 
 /**
  * What a creator sends to open a split in a private group. [text] is already sealed under the
- * group's chat key; [shares] lists who is asked, in roster order, the creator first when included.
+ * group's chat key; [shares] lists who is asked and for how much, in roster order, the creator
+ * first when included.
  */
 data class NewSplitRequest(
     val chatId: ChatId,
     val text: PaymentRequestText.Encrypted,
     val currency: CurrencyCode,
     val endsAt: Instant,
-    val shares: List<ID>,
-    val perPerson: Fiat,
+    val shares: List<NewShare>,
 )
 
+/** One member's part of a [NewSplitRequest]: a whole number, at least one, of the currency's smallest unit. */
+data class NewShare(val userId: ID, val amount: Fiat)
+
 /**
  * The intent id a viewer's share payment must use. Anyone who learns it before the share is paid
  * can use it up, so it never prints: keep it in memory for the one payment and never log it.