# Household Expense Settlement AI Agent Connect > Household Expense Settlement MCP handles the messy math of shared living. It lets your AI agent calculate exactly what everyone owes based on custom ownership weights, generates the fewest possible money transfers to settle up, and keeps a clear record of total spending. It's a way to turn a pile of receipts into a clean settlement plan through your preferred AI client. ## Overview - **Category:** productivity - **Price:** Free - **Endpoint:** https://edge.vinkius.com/vk_preview_owzqWoy1UsYijNBNLrHgIFVb6Y8iDzkyC15vfSe9/ai-agent-connect - **Tags:** expenses, settlement, budget, household, reimbursement ## Description Managing shared expenses with roommates or family members usually involves messy spreadsheets and endless debates about who owes what. This MCP changes that by giving your AI agent the logic needed to handle complex split scenarios. Instead of assuming everyone pays an equal share, you can assign specific ownership weights to each person. Your agent uses these weights to figure out the true financial standing of every participant. Once the math is done, you don't have to figure out the logistics of paying people back. The MCP calculates a settlement plan that minimizes the number of actual transfers required to get everyone to zero. You can check total spending at any time or verify that your ownership percentages are mathematically sound before you start calculating balances. It turns a tedious manual process into a quick conversation with your AI client. ## Tools ### get_expense_summary This tool provides a high-level overview of all total household spending. ### generate_settlement_plan This tool creates a plan that uses the minimum number of transfers to settle all debts. ### validate_weights This tool checks if your assigned ownership percentages are mathematically valid. ### calculate_individual_standings This tool determines the net financial position of each person based on their payments and ownership weights. ## Prompt Examples **Prompt:** ``` Calculate the standings for Alice (0.6) and Bob (0.4) where Alice paid 60 and Bob paid 40. ``` **Response:** ``` Alice has paid 60 and owes 48, resulting in a net position of +12. Bob has paid 40 and owes 48, resulting in a net position of -8. ``` **Prompt:** ``` Generate a settlement plan for Alice (+20) and Bob (-20). ``` **Response:** ``` Bob should transfer 20 to Alice. ``` **Prompt:** ``` What is the total expense if Alice paid 50 and Bob paid 30? ``` **Response:** ``` The total expenses are 80. ``` ## Capabilities ### Weighted Cost Splitting Your agent uses custom percentages to assign costs to different people. ### Minimal Transfer Logic The MCP finds the shortest path to settle debts with the fewest transactions. ### Balance Verification Your agent calculates the exact net position for every person involved. ### Spending Overviews The tool provides a summary of total household expenditures. ### Weight Validation The agent checks that ownership percentages add up correctly. ## Use Cases ### Roommate Bill Splitting Split a utility bill where one person pays a larger share based on room size. ### Family Expense Tracking Calculate how much each parent owes the household fund after monthly shopping trips. ### Group Travel Expenses Settle up costs for a shared vacation where different people covered different items. ### Co-living Settlements Use minimal transfer logic to settle monthly rent and grocery costs among several residents. ## Benefits - Reduces the number of bank transfers needed to settle up. - Supports custom ownership weights instead of just equal splits. - Eliminates manual calculation errors in debt distribution. - Provides a clear summary of total household spending. ## How It Works Connect the MCP to your AI client and start talking about your expenses. 1. Connect the MCP to your preferred AI client via Vinkius. 2. Provide the total expenses and what each person paid. 3. Define the ownership weights for each participant. 4. Ask the agent to calculate standings or a settlement plan. ## Frequently Asked Questions **How does this MCP handle unequal splits?** It uses ownership weights to assign costs. You tell the agent the percentage each person is responsible for, and it calculates the balance accordingly. **Can I use this with Claude or Cursor?** Yes. You can connect this MCP to any compatible client like Claude, Cursor, or Windsurf. **What does a settlement plan do?** It identifies the most efficient way to settle debts, aiming for the fewest number of money transfers between people. **Do I need to host this myself?** No. Vinkius hosts and manages the MCP for you. You just connect it to your client. **How do I ensure my split percentages are correct?** The MCP includes a tool to validate weights, which checks that your ownership percentages are mathematically sound. **How does the settlement plan work?** The `generate_settlement_plan` tool uses a strategy to minimize the number of transactions by matching the largest debtors with the largest creditors. **What happens if my ownership weights don't add up to 100%?** You can use the `validate_weights` tool to check your weights. The engine requires that the sum of all ownership weights equals exactly 1.0. **Can I see a summary of all spending?** Yes, the `get_expense_summary` tool provides the total expenses, transaction count, and identifies the top contributor.