How to Auto-Generate a Situationship Invoice Without the Math

By Del.GG Research Team | February 28, 2026 | 5 min read

You didn't just lose six months to a "thing" that wasn't a "thing." You lost capital. In 2026, we are finished absorbing the loss. It is time to stop crying and start auditing.

Forget the passive-aggressive text. The new standard for closure is the Open Banking Breakup Audit. By feeding your raw transaction logs into a secure LLM, you can weaponize the Sunk Cost Fallacy with forensic precision. The AI identifies "situationship overhead"—isolating every 3 AM Uber and dive bar tab—and formats a Venmo request that demands restitution.

It’s cold, calculated, and shockingly effective. Here is the exact prompt to turn your heartbreak into a billable hour.

The Economics of Closure: Why Your Ex is a Bad Asset

Let’s strip away the romance and look at the ledger. The viral "situationship invoice" isn't just a meme for the chronically online; it is a necessary audit. You didn't just lose a partner; you funded a non-performing asset.

The numbers are ugly. According to LendingTree (2022), 19% of millennials went into debt for dating. Fast forward to 2026, and inflation has turned that debt into a long-term liability. When you look at your bank statements, you aren't looking at dinner receipts; you are staring directly at bad debt.

We need to stop treating Emotional Labor as a volunteer activity. In any other sector, hours spent managing a client's instability would be billed at a premium rate. Why is your romantic life the only place where you accept unpaid internships?

"Gen Z isn't just asking for clarity; they are quantifying the opportunity cost of their time. If the commitment wasn't real, they want the capital back."
— Logan Ury, Director of Relationship Science at Hinge

This generator forces you to confront the financial reality of "breadcrumbing." Those $200 dinners and late-night requests weren't investments in a future. They were overhead costs for a merger that never happened. Send the bill.

The API Architecture of Heartbreak

Forget manual entry into static Canva templates. The 2026 standard is the "Open Banking Breakup Audit," a workflow that treats heartbreak as a math problem. By exporting raw transaction data (CSV) and piping it through an AI, users can isolate the exact financial footprint of a partner who refused to label the relationship.

This isn't petty revenge; it's data visualization. When ambiguity is the defining feature of modern dating, hard numbers provide the clarity that the partner refused to give.

To execute this audit safely, the workflow requires three technical steps:

1. The Privacy Sandbox: Never hand raw data to an AI. Use a local script or Excel "Find & Replace" to hash account numbers. You want emotional closure, not identity theft.
2. The 'Merchant Sentiment' Filter: Prompt the AI to tag specific Merchant Category Codes (MCCs). A 2:00 AM transaction is flagged as "Booty Call Overhead," while a recurring subscription is categorized under "Domestic Labor."
3. The 'Ick' Surcharge: Did they wear fedoras unironically? Did they clap when the plane landed? Add a line item for "Pain & Suffering."

While this PDF won't hold up in Small Claims Court, the psychological impact is undeniable. You aren't just sending a bill; you are sending a dataset that proves their indecision had a market price.