How do I install Splitwise?

Splitwise is a local plugin. Install it using npm package: splitwise-mcp and add the generated configuration snippet to your AI app's MCP config file. Then restart your AI app.

What credentials does Splitwise need?

Splitwise requires the following credentials or environment variables: SPLITWISE_API_KEY. You can find setup instructions on the server detail page.

What AI apps work with Splitwise?

Splitwise uses the Model Context Protocol (MCP) and works with any MCP-compatible AI app, including Claude, ChatGPT / Codex, Gemini, Copilot, Cursor, and more.

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Splitwise MCP Server

by Chris Hall

Developer ToolsModerate7.0Local

Free

Splitwise expense and group management for Claude — shared expenses, settle up, friends

About

Splitwise expense and group management for Claude — shared expenses, settle up, friends

Security Report

7.0

Moderate7.0Moderate Risk

This is a well-structured MCP server for Splitwise with proper authentication, input validation, and appropriate permissions. The codebase uses API key authentication via environment variables, implements proper error handling including rate-limit retries, and has comprehensive test coverage. The server's permissions (network HTTP, environment variables) align with its stated purpose of calling the Splitwise API. Minor findings relate to error message detail exposure and code organization, but no security vulnerabilities were identified. Supply chain analysis found 2 known vulnerabilities in dependencies (0 critical, 1 high severity). Package verification found 1 issue.

7 files analyzed · 6 issues found

Security scores are indicators to help you make informed decisions, not guarantees. Always review permissions before connecting any MCP server.

Permissions Required

This plugin requests these system permissions. Most are normal for its category.

env_vars

Check that this permission is expected for this type of plugin.

HTTP Network Access

Connects to external APIs or services over the internet.

What You'll Need

Set these up before or after installing:

Your Splitwise API key (splitwise.com/apps/api)Required

Environment variable: SPLITWISE_API_KEY

How to Install

Add this to your MCP configuration file:

{
  "mcpServers": {
    "io-github-chrischall-splitwise-mcp": {
      "env": {
        "SPLITWISE_API_KEY": "your-splitwise-api-key-here"
      },
      "args": [
        "-y",
        "splitwise-mcp"
      ],
      "command": "npx"
    }
  }
}

Documentation

View on GitHub

From the project's GitHub README.

Splitwise MCP

A Model Context Protocol server that connects Claude to Splitwise, giving you natural-language access to your expenses, groups, friends, and balances.

[!WARNING] AI-developed project. This codebase was entirely built and is actively maintained by Claude Code. No human has audited the implementation. Review all code and tool permissions before use.

What you can do

Ask Claude things like:

"What do I owe?"
"Add a $50 dinner expense to the vacation group"
"Split this hotel bill 60/40 with Sarah"
"Who's in the trip group?"
"Add Meredith to the household group"
"Show me recent expenses"
"Delete that duplicate expense"

Requirements

Claude Desktop or Claude Code
Node.js 20.6 or later
A Splitwise account and API key

Acknowledgement of Terms

By using this MCP server, you acknowledge and agree to the following:

1. This server accesses your own Splitwise account via Splitwise's official Developer API. Auth happens via your own API consumer key + secret, which Splitwise issues to you when you register an app. It does not — and cannot — access anyone else's expenses or groups.

2. Splitwise's Developer Terms govern your use of this server. The clauses most relevant here:

You will use Splitwise Materials solely as necessary to develop, test and support a Self-Service integration of your software application… with Splitwise.

And on rate limits: "You will not use the API in a manner that exceeds rate limits, or constitutes excessive or abusive usage." And on competitive use: "You may not [use] Splitwise Materials to create an application that replicates existing Splitwise functionality or competes with Splitwise."

You are agreeing to those terms — read by the maintainer 2026-05-23 — every time you invoke a tool in this server.

3. Personal, non-commercial use only. This project is not affiliated with, endorsed by, sponsored by, or in partnership with Splitwise, Inc. It is a personal automation tool that calls the documented public Splitwise REST API on your own account. Do not use it to commercialize Splitwise data, compete with Splitwise's product, or share API credentials with third parties.

4. Your API key is yours alone. Splitwise issues credentials per-app, per-developer. Do not commit your SPLITWISE_API_KEY (or consumer key/secret) to git, do not paste it into shared chats, and do not embed it in a public client.

5. You accept full responsibility for any consequences of using this server in connection with your Splitwise account — rate limiting, API key revocation, account warnings, or any enforcement action. If Splitwise objects to your use or your usage exceeds their rate limits, stop using this server.

This section is the maintainer's good-faith summary of the terms — it is not legal advice and does not modify or supersede Splitwise's actual Developer Terms.

Installation

Option A -- npx (recommended)

npx -y splitwise-mcp

Add to your Claude config (.mcp.json or Claude Desktop config):

{
  "mcpServers": {
    "splitwise": {
      "command": "npx",
      "args": ["-y", "splitwise-mcp"],
      "env": {
        "SPLITWISE_API_KEY": "your-api-key-here"
      }
    }
  }
}

Option B -- from source

git clone https://github.com/chrischall/splitwise-mcp.git
cd splitwise-mcp
npm install
npm run build

Add to Claude Desktop config:

Mac: ~/Library/Application Support/Claude/claude_desktop_config.json
Windows: %APPDATA%\Claude\claude_desktop_config.json

{
  "mcpServers": {
    "splitwise": {
      "command": "node",
      "args": ["/absolute/path/to/splitwise-mcp/dist/index.js"],
      "env": {
        "SPLITWISE_API_KEY": "your-api-key-here"
      }
    }
  }
}

Getting your API key

Go to secure.splitwise.com/apps/register
Register an app (name and description can be anything)
Copy the API key from the app detail page

Credentials

Env var	Required	Notes
`SPLITWISE_API_KEY`	Yes	API key from splitwise.com/apps/register

Available tools

20 tools across 5 domains. All tools are prefixed sw_.

User

Tool	What it does
`sw_get_current_user`	Get the authenticated user's profile
`sw_get_user`	Get another user's profile by ID

Groups

Tool	What it does
`sw_list_groups`	List all groups with members
`sw_get_group`	Group details including members and balances
`sw_create_group`	Create a new group
`sw_delete_group`	Soft-delete a group
`sw_undelete_group`	Restore a deleted group
`sw_add_user_to_group`	Add a user to a group
`sw_remove_user_from_group`	Remove a user from a group

Friends

Tool	What it does
`sw_list_friends`	List all friends
`sw_create_friend`	Add a friend by email
`sw_delete_friend`	Remove a friendship

Expenses

Tool	What it does
`sw_list_expenses`	List or search expenses with filters
`sw_get_expense`	Full details of a single expense
`sw_create_expense`	Create an expense (equal or custom split)
`sw_update_expense`	Edit an existing expense
`sw_delete_expense`	Soft-delete an expense
`sw_undelete_expense`	Restore a deleted expense
`sw_get_comments`	Get comments on an expense
`sw_create_comment`	Add a comment to an expense
`sw_delete_comment`	Delete a comment

Utilities

Tool	What it does
`sw_get_notifications`	Recent activity feed
`sw_get_categories`	Expense category list
`sw_get_currencies`	Supported currency codes

Troubleshooting

"SPLITWISE_API_KEY is required" -- set the environment variable in your MCP config or a .env file.

429 rate limit -- Splitwise has undocumented rate limits. Wait a moment and retry.

Tools not appearing in Claude -- go to Claude Desktop > Settings > Developer to see connected servers. Make sure you fully quit and relaunched after editing the config.

Development

npm test        # run the test suite (vitest)
npm run build   # compile TypeScript -> dist/

Project structure

src/
  client.ts         Splitwise API client (auth, request handling)
  index.ts          MCP server entry point
  tools/
    user.ts         sw_get_current_user, sw_get_user
    groups.ts       group CRUD and membership
    friends.ts      friend list and management
    expenses.ts     expense CRUD, comments
    utilities.ts    notifications, categories, currencies