Money Diplomat

The right number for every money moment — tips, splits, gifts, salary

Navigate every awkward money situation with confidence. 18 scenario types covering tips, bill splits, Venmo requests, lending, dating, gifts, roommates, salary negotiation, inheritance, group travel, subscriptions, affordability checks, cultural money norms, charity, weddings, family, and coworker collections. Plus 5 bonus modes: instant tip/split calculator, debt tracker with AI nudge messages, conversation practice simulator, usage trends with charts, and a persistent profile so you never re-explain your budget or culture.

Overview

Money Diplomat handles the social side of money — the conversations, calculations, and etiquette nobody teaches you. Pick from 18 situation types (tipping, splitting, lending, dating, gifts, salary, inheritance, and more) and get tailored scripts, amounts, and strategies. Use Quick Math for instant tip/split calculations without AI. Track who owes you with They Owe Me and generate tactful nudge messages. Practice high-stakes money conversations in the simulator. Set your profile once (budget, culture, relationship status) and every response adapts automatically.

How to use it

  1. ⚙️ Set Profile first (optional but powerful): Enter your budget level, cultural background, relationship status, and country — this context auto-enriches every future request
  2. 🔥 Quick Math: For simple tip or split calculations, toggle Quick Math mode — enter bill amount, pick a tip percentage, set number of people, get instant results with no AI needed
  3. 🎯 Pick a Situation: Choose from 18 types (Tip, Split Bill, Venmo, Lending, Date, Gift, Salary, etc.), fill in the context fields, and get a tailored script with exact amounts and social strategy
  4. 🎭 Practice Mode: For high-stakes conversations (salary, lending, family money), open the simulator — the AI plays the other person in character while coaching your responses
  5. 📒 They Owe Me: Log debts, track who's paid, and generate culturally-aware nudge messages at the right escalation level — from gentle reminder to firm follow-up

Example

Scenario: Your friend group is splitting a dinner bill, but two people only had salads while others ordered steak and cocktails. Someone suggests splitting evenly. You don't want to be 'that person' but it's a $40 difference.

What you do: Select 'Bill Splitter', enter the total bill, number of people, and describe the situation: 'Two people had $25 meals, others had $65+ with drinks. Someone wants to split evenly.' Click get advice.

Result: You get a fair split calculation (itemized vs even, with the exact dollar difference), a ready-to-send group text that frames it positively ('Hey! Want to do a rough itemized split so nobody overpays? I can Venmo-request everyone their portion — easier than math at the table'), and a backup script if someone pushes back. The tone matches your profile's cultural context.

Tips