diff --git a/src/app/trips/[id]/page.tsx b/src/app/trips/[id]/page.tsx
index 1e6ccd4..d00ff44 100644
--- a/src/app/trips/[id]/page.tsx
+++ b/src/app/trips/[id]/page.tsx
@@ -128,7 +128,10 @@ export default function TripDetailPage({ params }: { params: Promise<{ id: strin
 
       {/* Stat cards */}
       <div className="grid grid-cols-2 sm:grid-cols-4 gap-4">
-        <StatCard label="Total Spend" value={`$${Number(total_spend).toFixed(2)}`} sub="all transactions" color={t.color} />
+        {/* Deliberately every payer, not just this owner — a trip cost what the
+            group put into it. The split figures below are owner-scoped, so this
+            says whose money it counts to stop the two being read as one lens. */}
+        <StatCard label="Total Spend" value={`$${Number(total_spend).toFixed(2)}`} sub="all payers, net of refunds" color={t.color} />
         <StatCard label="Transactions" value={String(transaction_count)} sub="total" color={t.color} />
         <StatCard label="Daily Average" value={`$${Number(daily_average).toFixed(2)}`} sub="per day" color={t.color} />
         <StatCard label="Days" value={String(num_days)} sub={dateRange ?? "date range"} color={t.color} />