Settle Up Mcp

[](https://github.com/rithviknishad/settle-up-mcp/actions/workflows/docker.yml)

An MCP server for Settle Up. It lets an AI agent read and write your groups, members, expenses, balances, and recurring transactions. The server gives 26 tools.

Tools

Groups

| Tool | Action | Read-only | |---|---|---| | settleup_list_groups | Get your groups | Yes | | settleup_get_group | Get the settings and the counts of 1 group | Yes | | settleup_get_balances | Get who owes what in a group | Yes | | settleup_create_group | Create a group and add yourself | No | | settleup_update_group | Change the name or the settings | No | | settleup_get_invite_link | Get the link that invites a person | No | | settleup_change_currency | Change the group currency | No | | settleup_delete_group | Delete a group. Needs confirm | No |

Members

| Tool | Action | Read-only | |---|---|---| | settleup_list_members | Get the members of a group | Yes | | settleup_add_member | Add a person to a group | No | | settleup_update_member | Change a member | No | | settleup_deactivate_member | Set a member to not active | No |

Transactions

| Tool | Action | Read-only | |---|---|---| | settleup_list_expenses | Get the transactions of a group | Yes | | settleup_get_expense | Get all details of 1 transaction | Yes | | settleup_summarize_spending | Add the amounts by category, member, or month | Yes | | settleup_add_expense | Add a new expense | No | | settleup_add_transfer | Record a payment between 2 members | No | | settleup_update_expense | Change a transaction | No | | settleup_delete_expense | Delete a transaction. Needs confirm | No |

Recurring transactions

| Tool | Action | Read-only | |---|---|---| | settleup_list_recurring | Get the transaction templates | Yes | | settleup_add_recurring | Add a transaction template | No | | settleup_delete_recurring | Delete a template. Needs confirm | No |

History and access

| Tool | Action | Read-only | |---|---|---| | settleup_list_changes | Get the change log of a group | Yes | | settleup_list_categories | Get the custom categories | Yes | | settleup_list_permissions | Get who can access a group | Yes | | settleup_recalculate_debts | Ask the server to calculate the debts again | No |

Caution: A tool with confirm deletes data. Ask the user first. Then set confirm to true.

Configuration

Copy .env.example to .env. Then write your values.

| Variable | Purpose | |---|---| | SETTLEUP_EMAIL | Your Settle Up email | | SETTLEUP_PASSWORD | Your Settle Up password | | SETTLEUP_FIREBASE_API_KEY | The Firebase Web API key | | SETTLEUP_BASE_URL | The API server. The default is the sandbox | | MCP_AUTH_TOKEN | The bearer token that each agent must send |

The Settle Up API documentation gives the API key, the server URLs, and the sign-in rules. Develop on the sandbox first.

Caution: If MCP_AUTH_TOKEN is empty, the server accepts each request. Set a token and put HTTPS in front of the server before you deploy it.

Run it

docker compose up -d
curl http://localhost:8000/health

The MCP endpoint is http://localhost:8000/mcp. It uses the Streamable HTTP transport.

To use a built image, pull ghcr.io/rithviknishad/settle-up-mcp:latest.

Deploy it

Put the server behind HTTPS. Set MCP_AUTH_TOKEN. Keep the Settle Up secrets on the server only.

For a Kubernetes example, read Settle Up MCP on systems.nix. It shows a k3s deployment with the secrets, the service, and the ingress.

Connect an agent

{
  "mcpServers": {
    "settleup": {
      "url": "http://localhost:8000/mcp",
      "headers": { "Authorization": "Bearer YOUR_TOKEN" }
    }
  }
}

Develop

This project needs Python 3.13, Pipenv, and direnv.

pipenv install --dev
direnv allow

pipenv run test      # Run the tests.
pipenv run server    # Start the server.

Licence

MIT. See [LICENSE](LICENSE).

Source & license

This open-source MCP server is cataloged on AgentStack and links to its original source — we do not rehost the code.

• Author: rithviknishad
• Source: rithviknishad/settle-up-mcp
• License: MIT

Install and usage instructions live in the source repository linked above.