Ask your assistant to split the bill. It actually does it.
Split The Bill runs a Streamable-HTTP MCP server at mcp.split-the-bill.app/mcp. Connect it to Claude, ChatGPT or any MCP-compatible assistant, and it can create bills, check who owes whom, record a settlement, or send an invoice — for real, in your own account, using the same deterministic math as the app.
An MCP (Model Context Protocol) server is a standard way for an AI assistant to call an application's real functions instead of just describing them. Split The Bill's MCP server, live at mcp.split-the-bill.app/mcp, gives an assistant 31 tools to create bills, manage groups, record settlements and send invoices in the user's own account — with every amount still computed by the same deterministic backend the web app uses, never estimated by the AI.
How to connect an assistant
- 1
Open Profile → API access
In your account, go to Profile and open the API access card. It lists any MCP tokens you've already created and lets you mint a new one.
- 2
Create a token and choose a scope
Name the token, pick a scope — read (look things up only), read_write (create bills and settlements too), or full (also delete things) — and copy the mcp_… value. It is shown exactly once.
- 3
Point your MCP client at the endpoint
Add mcp.split-the-bill.app/mcp as an MCP server in Claude, ChatGPT or your client of choice, with Authorization: Bearer <your token>. No install, no separate app — just the endpoint and the token.
- 4
Talk to it like you would the app
Ask it to split a bill, check a group's balances, or record a payment. It calls the same backend and the same Python math the web app uses — nothing is estimated by the assistant.
What the assistant can actually do
Create and manage bills
Create a bill with line items and tax/tip, list your bills, pull one up with its full split, or update and delete one — the assistant does the data entry, the backend still does every calculation.
Groups, balances and settlements
Create a group, add a member, see who owes whom in a group, and record or confirm a settlement — the fewest-payments math is computed server-side, never guessed by the model.
Invoices and the full debt picture
Create an invoice with line items and a client, or pull your overall and unified debt position across every group in one call — the same dashboard data the app shows you.
Scoped, revocable access
A token is read-only, read+write, or full — never more than you granted — and you can revoke it instantly from Profile → API access if you ever want to cut an assistant off.
Connect an assistant to your account
Minting a token is free on every plan. Create a free account first if you don't have one yet.
Try it freeMCP access is free on every plan — Pro only unlocks the rest of the app (chat, reports, more).
What people actually ask it to do
"Split last night's dinner with Anna and Tom, I paid £84"
The assistant calls create_bill with the amount and the people involved; the backend splits it and returns each person's share — no manual entry in the app required.
"Who owes me money right now?"
A call to get_overall_debts (or get_unified_debts for the net view across bills, expenses and groups) returns your live balances, computed server-side, in one message.
"Mark that I paid Tom back for the trip"
create_settlement records the payment from you to Tom; Tom's side confirms it with confirm_settlement, and the group balance updates the same way it would in the app.
"Send an invoice to my client for 8 hours at $75"
create_invoice takes the line items and client details and returns a real invoice in your account — the same one you'd otherwise build by hand on the Invoices page.
Why this is different from asking a generic chatbot
It isn't guessing — it's calling your account
A generic assistant can only describe how to split a bill. This one creates the actual bill, in your actual account, and returns the actual computed split.
The math is never the AI's
Every tool description says it plainly: the backend validates totals and currency and computes every split, balance and settlement. The assistant only shapes the request.
Free on every tier
Minting a token and using the MCP server costs nothing and isn't gated to Pro — it's included for every account, including Free.
Nothing sits between your token and your data but the backend
The MCP server itself is stateless: it holds no database and no secrets beyond its own backend URL, and never checks your token itself — every request is forwarded to the same backend and auth path the app uses.
Asking a chatbot vs. connecting the MCP server
Both start with typing a sentence to an assistant. What happens after is different.
| Asking a chatbot vs. connecting the MCP server | ✗ | ✓ |
|---|---|---|
| Splitting a bill | The chatbot does the arithmetic in its head and tells you the numbers — nothing is saved anywhere. | The assistant calls create_bill; the bill exists in your account with a real, backend-computed split. |
| Checking who owes whom | You have to open the app yourself and look. | The assistant calls get_overall_debts or a group's debts and reads your live balances back to you. |
| Recording a payment | Not possible — a chatbot with no account access can't change anything. | create_settlement and confirm_settlement record and confirm it exactly as the app would. |
| Trusting the amount | You're trusting a language model's arithmetic. | Every amount is computed by the same deterministic backend and Python math the app itself uses. |
Frequently asked questions
- Can Claude split a bill for me?
- Yes. Connect Claude to Split The Bill's MCP server at mcp.split-the-bill.app/mcp with your mcp_ token, then ask it to split a bill in plain language — it calls create_bill and the backend computes the split, the same as the app would.
- Is there an MCP server for expense splitting?
- Yes — Split The Bill runs one in production at mcp.split-the-bill.app/mcp, with 31 tools covering bills, groups, expenses, debts, settlements, invoices, contacts, notifications and the dashboard. Any MCP-compatible client can connect to it.
- Does this work with ChatGPT, not just Claude?
- Yes. It's a standard MCP endpoint, so any MCP-compatible client can connect — Claude, ChatGPT, or your own tooling — using the same mcp_ token and Authorization: Bearer header.
- Is the MCP server free, or is it a Pro feature?
- Free, on every plan, including Free. Minting a token and calling the MCP server isn't gated behind Pro — Pro only unlocks other parts of the app, like chat, reports and plans.
- Is it safe to give an AI access to my bills and payments?
- The MCP server itself is stateless — it holds no database and no secrets beyond its own backend URL, and it never checks your token itself; every call is forwarded to the same backend and authorization the web app uses. You also control the blast radius with token scope: read-only, read+write, or full, and you can revoke any token instantly from Profile → API access.
- Can an assistant delete my bills or move my money?
- An assistant can only do what the token you gave it allows. A read-scoped token can't change anything; read_write can create bills, expenses, and settlements; only a full-scoped token can delete a bill or expense — and the server never moves money itself, it only records payments you or the other side already made.
