# Couples Shared Account Engine MCP for AI Agents MCP > The Couples Shared Account Engine calculates fair and proportional expense sharing between partners based on their respective incomes. It determines who owes what for joint bills, tracks surpluses after shared costs, and figures out the exact transfer amounts needed to keep household accounts balanced. ## Overview - **Category:** productivity - **Price:** Free - **Endpoint:** https://edge.vinkius.com/vk_preview_Sn0UWJ5l9QLKeKgxKhtLF3s6Cz3QO1cm5zbunWIz/mcp - **Tags:** finance, budgeting, couples, expenses, automation, shared-accounts ## Description When you and a partner share bills, figuring out who owes what can be a headache that leads to arguments. This engine cuts through the complex math of proportional finance. It ensures every person contributes their fair share relative to their earnings, so nobody feels unfairly burdened by joint expenses. You use this MCP to calculate initial contribution weights based on income, then determine exact dollar amounts owed for specific shared costs. If someone pays upfront, the engine calculates the precise transfer needed to settle the balance. It even checks the financial stability of the partnership after all obligations are met. Since Vinkius hosts this MCP, your AI client connects once and gains immediate access to this complex finance tool alongside thousands of others. ## Tools ### calculate_income_proportions Determines the proportional weight of each partner's income compared to the total household income. ### calculate_individual_obligations Calculates the exact dollar amount each partner is responsible for paying towards shared household expenses. ### calculate_partner_surplus Evaluates the remaining funds available to each partner after all joint costs and personal expenditures are deducted. ### calculate_reconciliation_transfer Provides a clear transfer amount needed between partners to balance out discrepancies in how shared bills were paid. ## Prompt Examples **Prompt:** ``` We have $4,000 in total joint bills this month. Partner A earns $80k and Partner B earns $60k. How much does each owe? ``` **Response:** ``` **📊 Shared Expense Obligations Report** Based on your income proportions (A: 66.7%, B: 33.3%), here are the individual obligations for the $4,000 in shared bills: * **Partner A:** **$2,666.67** * **Partner B:** **$1,333.33** Please remember to check your total surplus after these payments are made. ``` **Prompt:** ``` My partner paid $800 for rent and I only owed them $600 based on our proportions. What needs to be transferred? ``` **Response:** ``` **💰 Reconciliation Transfer Needed** The initial payment was: $800.00 Your proportional share should have been: $600.00 To settle the account and balance out, **your partner owes you exactly $200.00.** This amount transfers from your current account to theirs. ``` **Prompt:** ``` What is our financial standing if we have $15k left after all bills? Assuming A earns $70k and B earns $40k. ``` **Response:** ``` **✅ Financial Surplus Check** After accounting for all shared expenses and personal savings goals, here’s the remaining surplus: * Partner A Surplus: **$5,250.00** (Remaining funds) * Partner B Surplus: **$4,750.00** (Remaining funds) The joint account remains stable and healthy. ``` ## Capabilities ### Determine contribution weight by income It calculates what percentage of the total household finances each partner should contribute based on their individual earnings. ### Calculate specific obligations for shared costs The tool determines the exact dollar amount each partner is responsible for contributing to joint expenses. ### Figure out necessary account transfers It calculates the precise money transfer required between partners to fully reconcile a set of shared bills. ### Check remaining financial balance You can evaluate the remaining surplus or deficit for each partner after all joint obligations and personal costs are accounted for. ## Use Cases ### The initial budget split You and your partner just moved in together. You ask your agent to run the incomes through `calculate_income_proportions` so you know what percentage of shared costs each of you should generally cover. ### Reconciling a large upfront payment One partner paid $3,000 for annual insurance while the bills totaled $2,500. You run `calculate_reconciliation_transfer` to get the precise amount the other person needs to send over immediately. ### Figuring out bill responsibility You just got a list of shared costs—utilities, food, etc. Your agent uses `calculate_individual_obligations` to tell you exactly how much money each person needs to pull out for the month. ### Reviewing joint financial health After paying all the bills and covering personal savings goals, your agent runs `calculate_partner_surplus` so you can see if the shared account has enough left over to cover an emergency fund. ## Benefits - Eliminate arguments over money. The engine provides objective, math-backed splits instead of relying on gut feelings or who paid the card. - Determine precise contributions. Use `calculate_individual_obligations` to know exactly how much each partner owes for groceries or utilities. - Manage cash flow instantly. Running `calculate_reconciliation_transfer` tells you the exact transfer needed, so you can settle up in one transaction. - Check financial stability easily. `calculate_partner_surplus` shows if your shared finances are actually healthy after all bills are covered. - `calculate_income_proportions` quickly gives you the percentage weight of each person's income, setting a fair baseline for all shared decisions. ## How It Works The bottom line is that it automates the messy arithmetic of shared finances, giving you clear dollar amounts and proportions instead of guesswork. 1. First, feed the engine your partners' incomes. This calculates the financial weight of each person to determine their fair contribution proportion. 2. Next, input all shared expenses and individual spending. The tool then uses these figures to calculate exactly how much money each partner owes for the joint costs. 3. Finally, run a reconciliation check. It tells you the precise transfer amount one partner needs to send to another to settle up completely. ## Frequently Asked Questions **How does the Couples Shared Account Engine handle proportional splits when incomes are vastly different?** It uses your combined income to determine a mathematical proportion for each partner. For example, if one person earns much more, they contribute a higher percentage of shared costs automatically. **I need help figuring out who owes what after paying rent upfront; can the Couples Shared Account Engine do that?** Yes, it calculates exactly how much money needs to be transferred between partners. You just input the total bill and who paid it, and it figures out the precise settlement amount. **If we use the engine for shared costs, does it also tell me if our overall finances are stable?** It checks your financial stability using a surplus calculation. It shows you what remaining funds each person has left after all obligations and personal spending are accounted for. **Can the Couples Shared Account Engine calculate my contribution share if we aren't paying 50/50?** Absolutely. The engine is designed specifically to move beyond simple splits, calculating contributions based on income ratios so it’s always fair and accurate. **What kind of data do I need for the Couples Shared Account Engine to work correctly?** You primarily need three things: the total incomes of all partners involved, a list of shared expenses, and details on who paid what. The more accurate your inputs, the better the resulting split will be.