# Shared Expense Settlement Plan AI Agent Connect

> Shared Expense Settlement Plan MCP handles the math for group debts. It takes raw expense data and turns it into specific instructions on who owes what, how much they owe, and a summary you can send to the group to get everyone paid back quickly.

## Overview
- **Category:** productivity
- **Price:** Free
- **Endpoint:** https://edge.vinkius.com/vk_preview_LdMRLQjOi1Fx4YbMgSvBTEG80HODKZPAJqAOxp3U/ai-agent-connect
- **Tags:** expenses, settlement, split-bills, accounting, group-finance

## Description

You shouldn't have to spend an hour with a spreadsheet just to figure out who owes what after a trip or a group dinner. This MCP handles the heavy lifting of group accounting. You feed your raw expense data into your AI client, and it calculates the net positions for every person involved. It doesn't just tell you the totals; it builds an optimized plan that minimizes the number of transfers needed to settle up. You can generate individual to-do lists for every participant so they know exactly what their specific task is. Once the math is done, you can grab a clean, ready-to-send summary to post in your group chat. It takes the friction out of splitting bills and ensures no one gets shortchanged.

## Tools

### generate_settlement_transfers
This tool creates the most efficient payment instructions to settle all debts. It calculates the fewest number of transfers required to get everyone to a zero balance.

### get_participant_action_lists
This tool generates a personalized list of actions for each person. It tells every participant exactly how much they need to pay or receive.

### calculate_net_positions
This tool determines the final balance for every person in the group. It identifies who is overall in debt and who is owed money.

### summarize_settlement_plan
This tool produces a concise summary of the entire settlement process. It's designed to be copied and sent directly to a group for quick resolution.

## Prompt Examples

**Prompt:** 
```
Calculate the settlement plan for Alice paying $100 for groceries split equally between Alice and Bob.
```

**Response:** 
```
Bob owes Alice $50.00.
```

**Prompt:** 
```
Generate a summary for a group trip where total expenses were $500 and the deadline is Friday.
```

**Response:** 
```
Total group spend: $500.00. Payment instructions: Charlie -> Alice: $125.00. Please settle all amounts by Friday.
```

**Prompt:** 
```
Show me the action list for Dave after the expenses are processed.
```

**Response:** 
```
Dave needs to PAY $25.50 to Eve.
```

## Capabilities

### Net Position Calculation
Your agent uses this to find the final balance for every person in a group.

### Transfer Optimization
The MCP creates the shortest path of payments to settle all debts.

### Individual Action Lists
Your agent generates specific to-do lists for each person involved in the expenses.

### Settlement Summaries
The tool builds a clean text summary ready for group messaging.

## Use Cases

### Group Travel
After a weekend trip, you give the AI the list of who paid for hotels, gas, and food to get a final settlement plan.

### Shared Housing
Split utility bills or bulk grocery runs among roommates without manual spreadsheets.

### Dinner Parties
Quickly calculate how much each person owes when one person puts the whole meal on their card.

### Small Business Expenses
Settle small debts between team members who covered various project costs.

## Benefits

- Reduces the number of individual bank transfers needed to settle up.
- Eliminates manual math errors in group debt calculations.
- Provides clear, individual instructions for every person in the group.
- Creates ready-to-send summaries for group chats.

## How It Works

You connect the MCP to your AI client and start feeding it expense data.

1. Connect the MCP to Claude, Cursor, or Windsurf via Vinkius.
2. Provide your raw expense data or a list of who paid what to your AI client.
3. Ask the agent to calculate net positions and optimize transfers.
4. Get the final payment instructions or a summary to send to the group.

## Frequently Asked Questions

**How do I use this MCP with my AI?**
You connect it once through the Vinkius platform. After that, you can use it directly within any MCP-compatible client like Claude or Cursor.

**Do I need to manually calculate the totals first?**
No. You can provide the raw expense data, and the MCP tools will handle the math, including calculating net positions.

**Can it minimize the number of payments people have to make?**
Yes. The generate_settlement_transfers tool is specifically designed to create optimized payment instructions.

**What if I want to send the results to a group chat?**
You can use the summarize_settlement_plan tool to create a clean, concise summary that is ready to be copied and pasted.

**Does this work for large groups?**
Yes. The MCP is built to handle multiple participants and calculate the specific actions for each person.

**How does the settlement optimization work?**
The system uses `generate_settlement_transfers` to match the largest debtors with the largest creditors, minimizing the total number of transactions needed to clear all debts.

**Can I customize how much each person pays?**
Yes, you can define specific split rules for each expense, such as equal shares, fixed amounts, or percentage allocations.

**What is a net position?**
A net position is the final balance of a participant, calculated by `calculate_net_positions`. A positive balance means they are owed money, while a negative balance means they owe money.