Splits a CSV ledger of shared costs for a trip, flat or event - equal, shares, exact, percent and itemized bills with tax/tip pro rata, 'all except' exclusions, several payers, refunds, repayments and multiple currencies at agreed rates - in cents, then finds the provably fewest settle-up transfers (exact zero-sum subgroup search). Returns balances, a per-person audit and a chat message. Includes a stdlib Python planner with --self-test.
Splits shared costs for a group trip, house share, or event: equal, subset, weighted, or exact splits, mixed currencies with stated rates, and repayments already made, all in integer cents so totals match. Produces per-person balances and a short "who pays whom" list (at most one transfer fewer than people). Use when friends ask "who owes what?" after a trip or a shared house month. Includes a stdlib Python splitter with --self-test.
Compares commute options - car (fuel or EV), transit, bike, e-bike, walking, day-share mixes and park-and-ride legs - per month and year with cash cost, door-to-door time, time cost at your own hourly value, cost per trip and CO2. Picks pass vs pay-per-ride for the days you ride, separates car running costs from fixed costs, and shows the break-even value of an hour. Includes a stdlib Python calculator with --self-test.
Builds fixed-rate loan and mortgage amortization schedules, shows how much of each payment goes to interest, and compares payoff strategies such as extra monthly payments, one-off lump sums, a higher fixed payment, or a shorter term, with interest saved, months saved, payoff date, and an APR estimate when fees apply. Use when a user asks "how much interest will I pay?", "should I overpay my mortgage?", "what if I pay 200 more a month?", or wants a payoff plan for a car, student, or home loan.
Builds a weekly meal plan with portion estimates and a grocery list rolled up by store section, then estimates total cost from unit prices you provide or simple defaults. Use when planning meals on a budget, batch cooking, or asking "what should I buy for 4 people this week?". Includes a stdlib Python cost estimator with --self-test.
Keeps shared expenses fair among roommates, trips and friend groups: reads receipts you forward, splits by who had what, and sends gentle balance summaries without awkwardness.
Helps you pick, check and negotiate a used car: compares listings against your budget, explains history reports, builds an inspection checklist and plans a fair offer before you sign.
Finds retention offers before you pay full price again: for each renewing subscription it researches known discounts and cancel-flow offers, and drafts the exact chat or email to get them.
Plans road trips with realistic driving days, scenic stops, charging or fuel and places to sleep.
