Personal Finance MCP

What is Personal Finance MCP?

A self-hosted, read-only MCP server that connects your banks, credit cards, loans, and brokerage accounts (via Plaid) to Claude Code. It lets you ask questions about your own finances in plain English without a third-party aggregator like Monarch or Mint. This is an unofficial project not affiliated with Plaid Inc.

How to use Personal Finance MCP?

Requires Python 3.11+, a free Plaid Trial plan (up to 10 Items), and an MCP client like Claude Code. Clone the repository, install dependencies, copy .env.example to .env and fill in Plaid credentials. Run uvicorn link_helper:app --port 8765 once per bank to generate access tokens, then run python server.py to serve the server on http://localhost:8000/mcp. Add it to Claude Code with claude mcp add --transport http personal-finance http://localhost:8000/mcp.

Key features of Personal Finance MCP

• Nine read-only tools: list_accounts, get_balances, get_transactions, search_transactions, get_recurring_transactions, get_liabilities, get_investment_holdings, get_investment_transactions, and get_institutions_status
• Self-hosted and single-tenant – one deployment per person
• No third‑party aggregator; connects directly via Plaid
• All tools are read‑only, never mutating financial data
• Credentials stored in environment variables, never on disk

Use cases of Personal Finance MCP

• Ask “What’s my total balance across all accounts?” in Claude Code
• Find transactions over $100 in the last 30 days
• Discover which subscriptions you’re still paying for
• Query how much was spent on groceries last month
• Check which banks need re‑authentication

FAQ from Personal Finance MCP

How is Personal Finance MCP different from Monarch or Mint?

It connects directly via Plaid without a third‑party aggregator; it is self‑hosted and purely read‑only.

What are the prerequisites to run Personal Finance MCP?

Python 3.11+, a free Plaid Trial plan (up to 10 Items), and an MCP client such as Claude Code.

Is Personal Finance MCP affiliated with Plaid?

No, it is unofficial and not affiliated with Plaid Inc.

Where does my financial data reside?

Data is fetched live from Plaid each time a tool is called; tokens are stored in environment variables and never written to disk.

What transport does Personal Finance MCP use?

It serves on HTTP at localhost:8000/mcp and can be added to Claude Code via the HTTP transport.