# Travel Companion Split AI Agent Connect

> Travel Companion Split MCP handles the math for shared trip costs. Your AI client uses this MCP to calculate total group spending, track who owes what, and generate the shortest possible list of payments to settle all debts between friends or family.

## Overview
- **Category:** finance
- **Price:** Free
- **Endpoint:** https://edge.vinkius.com/vk_preview_PHUNWN0rf9LmK1sCZJp2bVyciYkgoJMokhtpZ9HO/ai-agent-connect
- **Tags:** expense-splitting, travel-tools, group-finance, settlement, calculation

## Description

You shouldn't have to spend your post-vacation time staring at a spreadsheet trying to figure out who paid for dinner and who owes the group money. This MCP turns your AI client into a precise financial coordinator for group travel. Instead of manually tracking every receipt, you give your agent the raw numbers and let it handle the heavy lifting. It calculates the total expenditure, determines the fair share for every person, and identifies the exact net balances for every traveler. When it's time to settle up, the MCP generates a minimal transaction plan so you aren't sending twenty different Venmo requests. It's a direct way to move from messy group chats to a clear, finalized settlement in seconds.

## Tools

### calculate_settlement_plan
This tool generates the fewest possible transactions needed to settle all debts in your group. It tells you exactly who needs to pay whom to get everyone to zero.

### get_companion_balances
This tool checks the financial standing of every person in the group. It shows you exactly how much each person has contributed and whether they are currently owed money or owe money.

### get_expense_summary
This tool provides the high level numbers for the trip. It shows the total amount spent by the group and what each person's target share should be.

### validate_group_integrity
This tool confirms that your list of companions is valid before the math starts. It ensures the calculation can proceed without errors.

## Prompt Examples

**Prompt:** 
```
What is the total expense and target share for companions ['user1', 'user2', 'user3']?
```

**Response:** 
```
The total group expense is $300.00, and the target share per person is $100.00.
```

**Prompt:** 
```
Who owes money and who is owed money for companions ['user1', 'user2']?
```

**Response:** 
```
User1 has a net balance of +$50.00 (is owed money), and User2 has a net balance of -$50.00 (owes money).
```

**Prompt:** 
```
Generate a settlement plan for companions ['user1', 'user2', 'user3'].
```

**Response:** 
```
User2 should pay $50.00 to User1.
```

## Capabilities

### Debt Settlement
Your agent creates a minimal list of payments to clear all group debts.

### Balance Tracking
The AI identifies the net financial position of every traveler.

### Cost Summarization
Your client calculates total group spending and individual target shares.

### Data Validation
The MCP verifies group lists to ensure calculations are accurate.

## Use Cases

### Family Vacations
Split hotel and meal costs among multiple family members without arguing over the math.

### Friend Group Trips
Use the settlement plan to send a single list of Venmo requests to your friends.

### Shared Airbnbs
Calculate individual shares for large group rentals based on total expenditure.

### Business Travel
Quickly determine net balances for team members sharing travel expenses.

## Benefits

- Reduces the number of individual transactions needed to settle up.
- Eliminates manual math errors in group expense splitting.
- Provides a clear view of who is owed money and who owes money.

## How It Works

Connecting this MCP to your AI client gives it the ability to act as a financial calculator for your group.

1. Connect the MCP to your client like Claude or Cursor via Vinkius.
2. Provide your agent with the list of companions and the expense data.
3. Ask the agent to summarize the total costs or check individual balances.
4. Request a settlement plan to see the final payment instructions.

## Frequently Asked Questions

**How does the settlement plan work?**
The MCP calculates the net balance for every person and then generates the smallest number of transactions required to make everyone's balance zero.

**Can I use this with Claude or Cursor?**
Yes, you can connect this MCP to any MCP-compatible client including Claude, Cursor, and Windsurf.

**Does this MCP handle the actual money transfers?**
No, this MCP only calculates the math and the plan. You still use your preferred app to actually send the money.

**What if my group list is incorrect?**
The MCP includes a validation tool to check that your list of companions is valid before it attempts to run calculations.

**How does it determine how much each person owes?**
It calculates the total group expenditure and divides it by the number of companions to find the target share for each person.

**How does the tool calculate the split?**
The tool divides the total group expense by the number of companions to determine an equal target share for everyone.

**What is a settlement plan?**
A settlement plan is a minimal list of transactions generated by `calculate_settlement_plan` to ensure everyone's net balance reaches zero.

**Can I use this for large groups?**
Yes, the engine is designed to handle any number of companions and calculate their individual balances and settlement needs.