Recipe
Connect Claude to your Split The Bill account
Split The Bill runs a Streamable-HTTP MCP server at mcp.split-the-bill.app/mcp. Add it to Claude with a personal token and you can ask Claude to split a bill, check a balance, or send an invoice in plain language — it calls your real account, and the backend still does every calculation.
Last reviewed: September 2026
An MCP (Model Context Protocol) server lets an AI assistant call an application's real functions instead of just describing them. Split The Bill's MCP server is live in production — no waitlist, no flag — and free on every plan, including Free. Once connected, Claude has 31 tools covering bills, groups, expenses, debts, settlements, invoices, contacts, notifications and the dashboard, all scoped to your own account and your own token.
Step-by-step
- 1
Mint an MCP token
In the app, go to Profile → API access. Click New token, give it a name like "Claude", and pick a scope: read for lookups only, read_write to also create bills and settlements, or full to also allow deletes. Copy the mcp_… value shown — it's displayed exactly once.
- 2
Add the server to Claude
In Claude's MCP settings, add a new server pointing at https://mcp.split-the-bill.app/mcp, with an Authorization: Bearer <your token> header. No install and no separate app — it's a single HTTP endpoint.
- 3
Ask it to split a bill
Try something like: "split last night's £84 dinner with Anna and Tom, I paid." Claude calls create_bill with the amount and participants; the backend computes each person's share and the bill appears in your account, split, exactly as if you'd entered it in the app.
- 4
Ask it about your balances or settle up
"Who owes me money?" calls get_overall_debts or get_unified_debts and reads back your live balances. "Mark that I paid Tom back" calls create_settlement, which the other side confirms with confirm_settlement — the same flow as settling up in the app.
The math is never the assistant's
Every MCP tool that creates or updates a bill, expense, or settlement is explicit that the backend validates totals and currency and computes the split — the assistant only shapes the request. Nothing is estimated by the AI; it's the same deterministic backend and Python math the web app uses.
Scoped and revocable
A token is read, read_write, or full — never more than you granted when you created it. If you ever want to cut Claude off, revoke the token instantly from Profile → API access; nothing else in your account is affected.
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.
Do I need a Pro plan to use this?▾
No. Minting an MCP token and using the MCP server is free on every plan, including Free — it isn't gated behind Pro.
Is it safe to connect an AI to my account this way?▾
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 call is forwarded to the same backend and authorization the app uses. You also control the blast radius with token scope, and can revoke a token instantly.
Free tier covers most recipes. Pro is 100 receipts every 30 days + private invite links.
