How does this MCP reduce the number of transactions?

It uses a greedy optimization algorithm to find the most direct way to settle debts, ensuring you don't make unnecessary transfers.

Which AI clients can I use with this MCP?

You can use this with any MCP-compatible client, including Claude, Cursor, Windsurf, and VS Code.

Do I need to host this myself?

No, Vinkius hosts and manages the MCP for you. You just connect it to your client and start using the capabilities.

Can I use this for simple one-on-one debts?

Yes, the math works for any number of participants, including just two people.

Does it handle the actual money transfers?

No, this MCP only calculates the math and generates the plan. You still perform the actual transfers through your bank or payment app.

How does the minimization algorithm work?

The engine uses a greedy strategy: it identifies the person with the largest debt and matches them with the person who is owed the most. It settles the maximum possible amount for one of these parties in each step, repeating until all balances are zero.

What capabilities are available in this MCP server?

The server provides three primary capabilities: net_balances_tool to calculate individual surpluses or deficits, settlement_transactions_tool to generate the transfer list, and expense_summary_tool for a high-level overview of group spending.

Can I use this with Claude Desktop or Cursor?

Yes, you can connect this server to any MCP-compatible client like Claude Desktop, Cursor, VS Code, or Windsurf using your personal Connection Token from the Vinkius dashboard.

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Connect Net Balance Minimizer to ChatGPT, Claude and Gemini

Set it up once and it works in ChatGPT, Claude, Cursor, and any other client you love. It all runs safely in the background, so you can relax and focus on what really matters. Settle all group balances with the fewest possible transfers.

Ask AI about this Connector

Developed, maintained, and hosted by Vinkius.

MCP VERIFIED · PRODUCTION READY · VINKIUS GUARANTEED

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Works with modern AI clients that support MCP, including ChatGPT, Claude, Cursor, and more.

Your AI does the work. We keep it safe and sound.

No other AI tool gives you this. Your workflow runs in the client you already love, your account stays protected, and you decide what the agent can and cannot do. It is the whole reason to make the switch.

Each Connector lives inside our infrastructure, the same place where your workflow runs. The three things below are already part of it, working quietly in the background so you never have to think about them. Nothing to add, nothing to set up, nothing to worry about.

V8 Isolate01

Each Connector runs inside its own sealed environment.

Each Connector runs inside its own sealed V8 runtime — no access to your files, your system, or other servers. A Connector never sees past its own request.

Kill Switch02

One switch stops every agent. Instantly.

One action deactivates every Connector, revokes every token, and ends every session at once. AI Governance keeps the record.

FinOps per User03

Spending limits that pause instead of surprise.

Every user keeps their own connections and credentials, isolated from everyone else. Anything that would cross your spending limit is held for your approval, not billed.

Three controls, built into the layer your AI connects through.

Curated set · 3 capabilities

We ship only the actions that matter.

Capability set01 / 01

01-03

3 capabilities in this set.

Part of 3 available through Net Balance Minimizer.

01
Expense summary
This capability provides a total overview of how much the group spent in total.
02
Settlement transactions
This capability generates the specific list of payments needed to settle all outstanding balances.
03
Net balances
This capability calculates the final amount each person is owed or owes after all expenses are accounted for.

Real work

What teams actually run

Group Travel

Input various hotel, food, and transport costs to see who needs to pay whom at the end of the trip.

Shared Housing

Resolve monthly utility and rent imbalances between roommates.

Dinner Splits

Quickly settle a restaurant bill when different people paid for different items.

Small Business Expenses

Calculate reimbursements for team members who covered shared costs on company cards.

One connector, every AI

Net Balance Minimizer works with the most popular AI clients.

These are the most popular clients, each with a step-by-step guide: one link, set up once, with governance and visibility built in. And because everything runs on the MCP standard, the same connection also works in any other compatible client — nothing to rebuild.

Building your own app? The connector is yours to use.

You don't need a client to put Net Balance Minimizer to work: the same hosted connection plugs into your own applications and agent code, with the same governance on every request. Build with it, chat with it — one connection for both.

Observed, not estimated

649ms average. Fast in production.

Net Balance Minimizer is checked daily against the live service.

Daily averagePeak 901ms

Oct 3Today

Fastest day: 539ms
Slowest day: 901ms
14-day trend: Slowing+18%

Connect your client

One URL. Every client.

Activate the Connector, copy your link, and paste it into the client you already use. 3 capabilities arrive ready to run.

Preview access · not provider authentication

The vk_preview_* token belongs to Vinkius preview infrastructure. It lets Claude discover and display the capabilities of Net Balance Minimizer, so you can see the experience inside your AI.

It does not authenticate your account with Net Balance Minimizer. Actions requiring credentials or live account data may not run until you activate the Connector and authorize the service.

Net Balance Minimizer Connector

You're all set. Choose your MCP client and follow the setup instructions.

Connector linkhttps://edge.vinkius.com/vk_preview_W7TmPMniO9AqGP0eTB3MFXvOFa7jD7N3hvAcTsNg/mcp

Claude Desktop

Follow the steps below to connect in seconds.

1In Claude Desktop, open Settings → Connectors.
2Click “Add custom connector” and paste the connector link above as the remote MCP server URL.
3Click Add and start a new chat — Net Balance Minimizer capabilities are ready to use.

Configuration · claude_desktop_config.jsonCopy

{
  "mcpServers": {
    "net-balance-minimizer-mcp": {
      "url": "https://edge.vinkius.com/vk_preview_W7TmPMniO9AqGP0eTB3MFXvOFa7jD7N3hvAcTsNg/mcp"
    }
  }
}

Claude
ChatGPT
Cursor
VS Code
Windsurf
Claude Code
JetBrains
Cline

Step-by-step instructions for each client are in the guide. How to connect

Guided setup for Claude? Set up Net Balance Minimizer in Claude and other AIs

See all the AI clients this connector works with ↑

Who it's for

Built for the work Net Balance Minimizer owners hand off.

This MCP is for anyone managing shared costs for groups, from casual social settings to organized shared living.

01
Travel Coordinators
Hand off messy trip expense lists to the agent to get a final payment plan.
02
Roommates
Use the agent to resolve monthly shared bills and utility splits.
03
Event Organizers
Let the agent calculate final payouts for group dinners or small gatherings.

FAQ

Questions Net Balance Minimizer owners ask.

01
How does this MCP reduce the number of transactions?
It uses a greedy optimization algorithm to find the most direct way to settle debts, ensuring you don't make unnecessary transfers.
02
Which AI clients can I use with this MCP?
You can use this with any MCP-compatible client, including Claude, Cursor, Windsurf, and VS Code.
03
Do I need to host this myself?
No, Vinkius hosts and manages the MCP for you. You just connect it to your client and start using the capabilities.
04
Can I use this for simple one-on-one debts?
Yes, the math works for any number of participants, including just two people.
05
Does it handle the actual money transfers?
No, this MCP only calculates the math and generates the plan. You still perform the actual transfers through your bank or payment app.
06
How does the minimization algorithm work?
The engine uses a greedy strategy: it identifies the person with the largest debt and matches them with the person who is owed the most. It settles the maximum possible amount for one of these parties in each step, repeating until all balances are zero.
07
What capabilities are available in this MCP server?
The server provides three primary capabilities: net_balances_tool to calculate individual surpluses or deficits, settlement_transactions_tool to generate the transfer list, and expense_summary_tool for a high-level overview of group spending.
08
Can I use this with Claude Desktop or Cursor?
Yes, you can connect this server to any MCP-compatible client like Claude Desktop, Cursor, VS Code, or Windsurf using your personal Connection Token from the Vinkius dashboard.

Explore

More in Finance

Connect Net Balance Minimizer to Claude, Cursor, ChatGPT & more

Your AI does the work. We keep it safe and sound.

Each Connector runs inside its own sealed environment.

One switch stops every agent. Instantly.

Spending limits that pause instead of surprise.

We ship only the actions that matter.

01-03

Expense summary

Settlement transactions

Net balances

What teams actually run

Group Travel

Shared Housing

Dinner Splits

Small Business Expenses

Building your own app? The connector is yours to use.

Net Balance Minimizer Connector

Claude Desktop

Travel Coordinators

Roommates

Event Organizers

How does this MCP reduce the number of transactions?

Which AI clients can I use with this MCP?

Do I need to host this myself?

Can I use this for simple one-on-one debts?

Does it handle the actual money transfers?

How does the minimization algorithm work?

What capabilities are available in this MCP server?

Can I use this with Claude Desktop or Cursor?

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