FairSplit

Track who paid for what in a shared trip, flat, or event, and work out the smallest possible set of payments that settles everyone up. Everything lives in one JSON file per group on disk -- no Splitwise account, no bank linking, no API key, nothing to sign up for. It works just as well for a weekend trip chat as it does for a flatmates' group that has been running for years.

All the actual arithmetic (splitting, currency conversion, and the settlement plan) is done by a tested script, not by the model doing mental math -- money bugs are the kind of bug nobody notices until someone's short a real payment.

When to Use

Load this skill when the user:

• Says things like "split this bill", "who owes who", "settle up", "add an expense", or mentions a shared trip/flat/event fund
• Wants to record who paid for something and how to divide it
• Asks for a balance summary or a plan for who should pay whom
• Wants a shareable summary (CSV/Markdown) of a trip's expenses

Don't use it for:

• Moving real money, requesting payments, or linking bank/UPI/PayPal accounts -- FairSplit only records and calculates
• Personal budgeting or tracking one person's spending (no group, nobody to settle with)
• Tax, accounting, or invoicing work that needs an audit trail

Prerequisites

• Python 3.8+ on the machine running the terminal tool. Nothing to pip install -- scripts/ledger.py uses only the standard library.
• No API keys or environment variables are required.
• Outbound network access is needed only for the optional fx command.

How to Run

Run every command through the terminal tool with the bundled script:

python3 ${HERMES_SKILL_DIR}/scripts/ledger.py --data-dir "<fairsplit.data_dir>" <command> [options]

--data-dir is a global flag and goes before the subcommand. The configured fairsplit.data_dir and fairsplit.default_currency values are injected into your context when this skill loads, but they are not passed to the script automatically -- always pass the configured --data-dir, and pass --currency on init (falling back to fairsplit.default_currency). Without --data-dir the script uses $FAIRSPLIT_DATA_DIR, then ~/.hermes/data/fairsplit. A leading ~ is expanded by the script, so quoting the path is fine.

On Windows, use python instead of python3 if python3 isn't on PATH.

Quick Reference

The examples below omit --data-dir for brevity; include it in real calls.

Command	Purpose
init	Create a new group with a home currency and members
add	Record one expense
add-member	Add a person to an existing group
balances	Show each member's net position
settle	Compute the minimum-payment settlement plan
history	List recorded expenses, optionally filtered
undo	Delete an expense by id
export	Write a CSV or Markdown summary to disk
list-groups	List every group in the data directory
fx	Best-effort keyless exchange-rate lookup (optional)

Every command has --help. Full flag reference: references/cli-reference.md.

Procedure

1. Find or create the group

Ask what the group/trip is called if it isn't obvious from context (a chat title, or something the user already named). Check whether it exists first:

python3 ${HERMES_SKILL_DIR}/scripts/ledger.py list-groups

If it doesn't exist yet, create it. Get the member names and a home currency (fall back to the configured fairsplit.default_currency if the user doesn't say -- the script itself defaults to USD, so pass it):

python3 ${HERMES_SKILL_DIR}/scripts/ledger.py init --group "Goa Trip" --currency INR --members "Alice,Bob,Priya"

You don't need every member up front -- add auto-adds anyone new it sees as a payer or participant, and add-member covers someone joining later with no expenses yet.

2. Record expenses as they come up

Default to an equal split -- it's what the user means unless they say otherwise:

python3 ${HERMES_SKILL_DIR}/scripts/ledger.py add --group "Goa Trip" \
  --payer Alice --amount 1000 --description "Dinner" --split equal

Omit --participants to split across the whole group. For anything other than a plain even split, ask a specific clarifying question rather than guessing ("should this be split evenly, or does someone owe a different share?") and pick the right split type:

• --split equal -- default, divides evenly (remainder cents go to whoever sorts first alphabetically, deterministically)
• --split exact --detail "Alice:300,Bob:300,Priya:300" -- named amounts that must add up to the total exactly
• --split shares --detail "Alice:1,Bob:2,Priya:1" -- proportional weights (e.g. Bob had two portions)
• --split percent --detail "Alice:60,Bob:40" -- percentages of the total

Reading a receipt photo: if the user shares a photo of a receipt and the model can see images, read the merchant, line items, tax, and total directly from the image and propose a split (e.g. itemized, or one add call per person's items) -- then confirm the numbers with the user before running add, since a misread digit is a real-money mistake. If the model can't see images, ask the user to read out the total and any items that need splitting unevenly.

3. Answer balance and settlement questions

python3 ${HERMES_SKILL_DIR}/scripts/ledger.py balances --group "Goa Trip"
python3 ${HERMES_SKILL_DIR}/scripts/ledger.py settle --group "Goa Trip"

settle is the useful one to lead with in most replies -- it collapses everyone's tangled IOUs into the minimum number of actual payments (at most members - 1), not a naive pairwise list. Report it like "Priya pays Alice 241.66, Priya pays Bob 16.67" rather than dumping raw balances on the user.

4. Wrap up a trip or period

python3 ${HERMES_SKILL_DIR}/scripts/ledger.py export --group "Goa Trip" --format md --out /tmp/goa-trip-summary.md

Read the file back and paste the summary into the chat (or hand back the path if the user wants to forward it themselves -- see Pitfalls below for how attachments are and aren't delivered).

Pitfalls

• Never do the arithmetic yourself. Splitting, rounding, currency conversion, and settlement all go through ledger.py. Money is stored in integer cents internally specifically so nothing drifts by a fraction of a cent across dozens of expenses -- re-deriving numbers by hand reintroduces exactly that bug.
• exact split amounts must sum to the total, to the cent. The script refuses (non-zero exit, clear stderr message) rather than silently absorbing the difference. If the user's numbers don't add up, say so and ask which figure is wrong instead of fudging one participant's share.
• A different --currency on add requires --fx-rate. The fx command does a best-effort keyless lookup (Frankfurter/ECB) but needs outbound network access, which may not be available in every sandbox -- if it fails, just ask the user for the rate (or the converted amount) and pass --fx-rate directly. Everything downstream (balances, settlement) always operates in the group's single home currency; the original amount/currency/rate are kept on the expense record for reference.
• Deleting an expense changes past balances, not just future ones -- say so before running undo if the group has already been told a settlement plan based on it.
• Exported files are plain CSV/Markdown, not images -- they don't trigger the media auto-delivery described in the Skills System docs (that's for image/audio paths). Read the file back and either paste its contents into the chat, or tell the user the path if they're working locally. Don't claim it "sent as an attachment" unless the platform you're on actually does that for arbitrary files.
• One JSON file per group, not per platform. The same group ledger works whether the conversation is happening in Telegram, Discord, the CLI, or anywhere else -- don't create a second group for the same trip just because the question came from a different chat. When in doubt, run list-groups and ask which one the user means.
• init --force wipes the group's expense history. Only use it when the user explicitly wants to reset a group, and confirm first.
• Amounts must be positive. add rejects zero, negative, NaN, and non-numeric amounts. There's no "refund" expense type: to reverse an expense, undo it. To record a settle-up payment (or any money one person handed back to another), add an expense paid by the person who sent the money with the recipient as the only participant, e.g. after "Priya pays Alice 241.66": add --payer Priya --amount 241.66 --participants Alice --description "Settle-up" --category settlement.
• Names are case-sensitive. alice and Alice are two different people. Reuse the exact spelling init or balances printed.

Verification

After recording an expense, always show the per-person shares the script printed (it prints them automatically) so the user can catch a mistake immediately, before more expenses stack on top of a wrong split.

Before reporting a settlement plan, sanity-check that it isn't the "warning: balances do not sum to zero" case balances prints -- that only happens if the JSON file was hand-edited outside the script, and means the ledger needs manual repair before the settlement plan can be trusted.

Advanced

See references/cli-reference.md for the full flag reference (including history filters and export formats) and references/settlement-algorithm.md for how the minimum-payment settlement plan is computed and why storage uses integer minor units. For a recurring split (e.g. monthly rent), wire a cron job that runs an add command on a schedule -- see the "Recurring splits" section of the CLI reference for a ready-to-use example.

Development

examples/stress_test.py is a stdlib-only regression test: it generates 200 random expenses across 5 people and asserts balances sum to exactly zero and settlement never exceeds members - 1 payments. Run it after changing anything in scripts/ledger.py:

python3 ${HERMES_SKILL_DIR}/examples/stress_test.py