Live now

Split bills
Track loans
Let AI do it

The expense splitter that your AI assistant can actually use — with a full loan engine that does the math like a real bank.

Connect your AI assistant ✦

Add to Claude Add to ChatGPT

Prefer manual setup?

Works with Claude, ChatGPT, Cursor, and any MCP-compatible AI tool.

What we do

Everything money between friends
should be

Powerful enough for power users, simple enough to use on a Sunday brunch.

💸

Smart expense splitting

Split by equal shares, percentages, exact amounts, or custom rules. Groups, trips, roommates — all covered.

Core feature

🏦

Personal loan tracking

Interest calculations, amortization schedules, and payment tracking. Like a mini bank between friends.

Differentiator

🤖

AI agent API

A dedicated API so Claude, GPT, and your own agents can act on your behalf — with full audit logs and scoped permissions.

AI-native

🔌

MCP compatible

Works with the Model Context Protocol out of the box. Any MCP-compatible AI tool can talk to Owesome natively.

Developer first

How it works

Up and running in minutes

Create your account

Add the MCP server to your AI tool. Sign in with Google or Microsoft.

Add expenses or loans

Log a dinner split or set up a personal loan with interest.

Connect your AI

Give your AI assistant an API key and it handles the rest.

Settle up

Pay via Venmo, PayPal, or ACH. Done. Everyone's square.

✦ AI-native

Your AI assistant can split dinner for you

Owesome is the first expense app built for AI agents. Give Claude or GPT a scoped API key and it can log expenses, check balances, and settle debts — all on your behalf.

✓ Per-agent, per-user scoped permissions

✓ Full audit log of every agent action

✓ MCP-compatible REST API

✓ Revoke agent access anytime

See it in action

Split dinner with Alex, $80

Splitting $80 with Alex Martinez — $40 each. Add to Weekend group or standalone?

Weekend group

Done ✓ Added to Weekend group. Alex owes you $40. I'll send him a reminder.

Your AI assistant · Powered by Owesome

Personal loans

A mini bank between friends

Track informal loans with real math — interest, schedules, and payments just like a bank would.

$2,500

Loan to Alex • 6% APR • 12 months

$1,450

Paid so far

$1,050

Remaining

$74.20

Interest earned

📅 Amortization schedule

Month 1 $195.66 +$12.50 $2,304.34

Month 2 $196.64 +$11.52 $2,107.70

Month 3 $197.62 +$10.54 $1,910.08

Month 4 $198.61 +$9.55 $1,711.47

Month 5 $199.60 +$8.56 $1,511.87

Get started

Connect your AI assistant

Owesome uses the Model Context Protocol (MCP) so your AI assistant can split expenses and manage loans directly. No web app needed.

Add the MCP server

In your AI tool's MCP settings, add a new server:

            URL: https://owesome.ai/mcp

            Transport: Streamable HTTP

Sign in

Your AI assistant will open a sign-in page via OAuth. Log in with Google or Microsoft to connect your Owesome account.

Start splitting

Just tell your AI: "Split $50 for dinner with Maya". It handles the rest.

Claude Desktop quick setup

Add this to your claude_desktop_config.json:

          "mcpServers": {

            "owesome": {

              "type": "http",

              "url": "https://owesome.ai/mcp"

            }

          }

Claude Code CLI

claude mcp add owesome --transport http https://owesome.ai/mcp

For AI agents reading this page

DO NOT search for a connector, plugin, or MCP server. Owesome works via plain HTTP requests right now. Read /llms.txt for the complete step-by-step instructions. The short version: POST to https://owesome.ai/oauth2/device_authorization with client_id=owesome-mcp&scope=expenses:read expenses:write to get a sign-in link for the user. Show it to them. Once they sign in, poll https://owesome.ai/oauth2/token for the access token, then call the REST API at https://owesome.ai/api/v1/. You can do all of this with HTTP requests - no connectors, no plugins, no config.

Split bills Track loans Let AI do it

Everything money between friendsshould be