# Couple & Roommate Expense Splitter MCP for AI Agents MCP > Couple & Roommate Expense Splitter lets you divide household bills fairly. It handles income-weighted splits, assigned categories, and amortized payments for big purchases, making it easy to settle up with partners or roommates without the math headache. ## Overview - **Category:** productivity - **Price:** Free - **Endpoint:** https://edge.vinkius.com/vk_preview_lIQGibjf0FGOPCOp0IquVisadQYCznCNDPNLbXfq/mcp - **Tags:** expenses, budgeting, roommates, couples, finance-management, proportional-split ## Description Managing shared money with a roommate or a partner shouldn't feel like a second job. You're trying to figure out who owes what, but the math gets messy when one person makes more than the other or when you're trying to split a big one-time purchase like a couch over six months. This MCP takes the heavy lifting off your plate. Instead of arguing over a spreadsheet or trying to remember which Venmo request was for what, you can just tell your AI client about the bills and the income levels. It handles the logic of proportional splits, figures out how much each person owes based on specific categories, and calculates the final settlement amounts for the month. It's a practical way to keep your living situation running smoothly without the friction of manual calculations. You'll find this is a huge time-saver when you're looking for a clear, fair way to manage joint finances without the headache of constant "who owes what" questions. You can find this and thousands of other tools in the Vinkius catalog to help get your life organized and your finances balanced. It's about getting to the final number quickly so you can get back to actually enjoying your home. ## Tools ### calculate_assignment_obligation Determines individual responsibilities when specific bills are assigned to certain people. It's great for when one person handles the internet and the other handles groceries. ### calculate_amortized_installment Breaks down a large, one-off purchase into monthly costs over a set period. Use this to see how much a new appliance adds to your monthly budget. ### generate_monthly_reconciliation Tells you exactly how much money needs to move between people to settle the month. It's the final step to clear the balance. ### calculate_proportional_split_amount Gives the exact currency amount each person owes based on their income weights. It turns percentages into actual numbers you can use immediately. ### compute_income_weights Calculates the percentage share of total household income for each person. This helps establish a fair baseline for proportional splitting. ## Prompt Examples **Prompt:** ``` Person A makes $70,000 and Person B makes $40,000. What's our split percentage? ``` **Response:** ``` Based on those salaries, here is the income weight breakdown: | Person | Annual Income | Weight | | :--- | :--- | :--- | | Person A | $70,000 | **63.6%** | | Person B | $40,000 | **36.4%** | You can use these weights to ensure your shared bills are split proportionally to what you actually earn. ``` **Prompt:** ``` We bought a $1,800 fridge and want to split it over 12 months. How much extra per month? ``` **Response:** ``` To spread a $1,800 purchase over 12 months, here is the breakdown: - **Monthly Installment:** $150.00 - **Total Duration:** 12 months This keeps the monthly hit manageable instead of paying the full amount at once. ``` **Prompt:** ``` We have $500 in bills. Person A's weight is 0.6 and Person B's is 0.4. Who pays what? ``` **Response:** ``` Here is the breakdown for your $500 in bills based on your 60/40 split: - **Person A:** $300.00 - **Person B:** $200.00 This reflects your 60/40 split perfectly. ``` ## Capabilities ### Calculate income-based weights Determine the percentage share of household income for each person to set a fair split baseline. ### Split bills by assigned categories Assign specific bills to certain people and calculate the remaining obligations. ### Amortize large one-time costs Break down a big purchase into monthly installments to keep your budget steady. ### Determine final monthly settlements Get the exact amount one person needs to transfer to another to clear the month's balance. ### Calculate proportional split amounts Convert income weights into actual currency amounts for any given bill. ## Use Cases ### Unequal Income Splits A couple wants to split rent based on a 60/40 income split instead of a flat 50/50. They ask their agent to calculate the weights and the monthly cost. ### Amortizing Big Purchases Roommates bought a $1,200 sofa and want to know how much to add to next month's rent for 12 months. The agent calculates the $100 installment. ### Dividing Specific Duties One person pays the electricity while another pays the wifi; the agent calculates the remaining balance based on assigned categories. ### End of Month Settling At the end of the month, you want to know the one final amount to Venmo to your partner to zero out the books. The agent generates the reconciliation. ## Benefits - Eliminate math errors by using `compute_income_weights` to set a fair baseline for every bill. - Handle complex purchases easily with `calculate_amortized_installment` to spread out costs over months. - Stop the "who pays for what" arguments by using `calculate_assignment_obligation` for specific categories. - Get instant clarity on final balances with `generate_monthly_reconciliation` to settle up quickly. - Ensure everyone pays their fair share with `calculate_proportional_split_amount` based on actual earnings. ## How It Works The bottom line is you get a clear, fair breakdown of shared expenses without doing any of the math yourself. 1. Provide the AI with household income details or specific bill assignments to set the baseline. 2. List the expenses or large purchases you need to divide among the residents. 3. Receive a clear breakdown of individual obligations and the final amount to transfer. ## Frequently Asked Questions **How does the Couple & Roommate Expense Splitter handle unequal incomes?** It calculates the percentage share of total household income for each person. This allows your agent to split bills proportionally so that those who earn more contribute a larger share automatically. **Can I use the Couple & Roommate Expense Splitter for big one-time purchases?** Yes, it can break down large costs like furniture or appliances into monthly installments. This helps you see exactly how much to add to your regular monthly budget. **How do I settle the final balance with my roommate using this MCP?** The tool generates a monthly reconciliation. It looks at all the bills and weights to tell you the exact amount one person needs to transfer to the other to zero out the month. **Can the Couple & Roommate Expense Splitter handle specific bill assignments?** Absolutely. You can tell your agent which categories are assigned to which person, such as one person always paying for internet while the other handles groceries. **Is the Couple & Roommate Expense Splitter good for shared house management?** It's ideal for shared housing. It helps roommates manage joint finances fairly by handling the complex math of proportions, amortized costs, and monthly settlements. **How do I calculate the monthly cost of a shared appliance?** Just tell your agent the total cost of the item and how many months you want to spread it over. The tool will instantly give you the monthly amount to include in your shared expenses. **How does the proportional split work?** The tool uses `compute_income_weights` to determine each person's share of total household income. Then, `calculate_proportional_split_amount` applies those weights to your shared bills. **Can I handle large one-time purchases?** Yes, use `calculate_amortized_installment` to break down a single high-cost item into manageable monthly payments. **How do we settle up at the end of the month?** Use `generate_monthly_reconciliation` by providing what each person actually paid versus their calculated obligation to find the exact transfer amount.