# Trip Cost Splitter AI Agent Connect

> Trip Cost Splitter handles the math for group travel expenses. It calculates exactly who owes what across different currencies and finds the fastest way to settle up. You can use it with any MCP-compatible client to turn messy travel receipts into a clean list of payments.

## Overview
- **Category:** finance
- **Price:** Free
- **Endpoint:** https://edge.vinkius.com/vk_preview_zZJ14DIKjFLn4DCdOEk7mCfNnPPrWgAW8OUSMgOn/ai-agent-connect
- **Tags:** expense-splitting, currency-conversion, travel-tools, debt-settlement, multi-currency

## Description

Managing shared costs during a trip is usually a headache of spreadsheets and manual math. This MCP fixes that by letting your AI client handle the heavy lifting. You provide the raw expense data, and the MCP calculates the net financial position for every person in the group. It doesn't just tell you the totals; it figures out the most efficient way to settle debts so you aren't sending twenty different Venmo requests. If your group traveled through multiple countries, the built-in currency conversion keeps everything accurate. You can verify your data is clean before running calculations to ensure no one gets overcharged or underpaid. It turns a chaotic group chat of receipts into a precise settlement plan.

## Tools

### calculate_net_balances
This tool finds the net financial position for every person in your group. It determines exactly how much each participant is owed or owes.

### convert_currency
Use this to change a specific amount from one currency to another. It's useful for normalizing trip costs when people pay in different denominations.

### suggest_settlements
This tool generates a specific list of transfers needed to clear all debts. It focuses on minimizing the total number of payments required.

### validate_trip_data
This tool checks that all participants and currencies are correctly recorded in your data. It prevents errors before you start calculating balances.

## Prompt Examples

**Prompt:** 
```
Calculate the net balances for Alice, Bob, and Charlie. Alice paid 100 USD for everyone. Bob and Charlie are beneficiaries. The exchange rate for USD is 1.0.
```

**Response:** 
```
Alice: +66.67 USD, Bob: -33.33 USD, Charlie: -33.33 USD.
```

**Prompt:** 
```
Suggest settlements for these balances: Alice: +50 USD, Bob: -20 USD, Charlie: -30 USD.
```

**Response:** 
```
Bob pays Alice 20 USD and Charlie pays Alice 30 USD.
```

**Prompt:** 
```
Convert 50 EUR to USD using an exchange rate where 1 EUR = 1.1 USD.
```

**Response:** 
```
55.0 USD
```

## Capabilities

### Net Balance Calculation
Your agent uses this to determine the final standing of every traveler.

### Debt Minimization
The AI identifies the fewest number of transfers needed to settle the group.

### Multi-Currency Support
Your agent converts different currencies to keep all math consistent.

### Data Validation
The tool checks that all names and currency types are valid before processing.

## Use Cases

### Multi-Currency Trips
Calculate how much a group owes when some expenses were in Euros and others were in Dollars.

### Minimal Transfer Settlements
Find the most direct way to pay back friends after a weekend getaway.

### Expense Auditing
Verify that all participants are accounted for before finalizing a trip budget.

### Quick Debt Resolution
Get a clear list of who needs to pay whom immediately after a trip ends.

## Benefits

- Reduces the number of individual transfers needed to settle up.
- Handles currency conversions within the same workflow.
- Prevents errors by validating participant and currency data.
- Automates the math required to find net balances.

## How It Works

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

1. Connect your preferred client like Claude or Cursor to Vinkius.
2. Provide your list of expenses, participants, and currencies to your agent.
3. The agent uses the MCP to validate the data and calculate net balances.
4. Request a settlement plan to see the most efficient way to pay everyone back.

## Frequently Asked Questions

**How does this MCP handle different currencies?**
The MCP includes a conversion tool that allows your agent to translate amounts between different currencies to keep the math accurate.

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

**What does it mean to suggest settlements?**
It identifies the minimum number of transfers required so that everyone's balance reaches zero without unnecessary extra payments.

**Do I need to host this myself?**
No, Vinkius hosts and manages the MCP for you. You just connect your client and start using the tools.

**How do I ensure my trip data is correct?**
You can use the validate_trip_data tool to check that all participants and currencies are properly entered before you run your calculations.

**How does the tool handle different currencies?**
The tool uses provided exchange rates to normalize all expenses to a single base currency, ensuring accurate debt calculation regardless of the original currency used.

**What is the most efficient way to settle debts?**
You can use the `suggest_settlements` tool, which matches the largest debtors with the largest creditors to minimize the total number of transactions required.

**Can I verify if my trip data is complete?**
Yes, the `validate_trip_data` tool checks if all participants and currencies mentioned in your expenses are present in your reference data.