- Personal Finance MCP
Personal Finance MCP
Self-hosted, read-only MCP server for personal finance. Connect your banks, credit cards, loans, and brokerage accounts via Plaid and query them from Claude Code in plain English — no third-party aggregator involved.
Overview
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. Ask questions about your own finances in plain English — no Monarch, no Mint, no third-party aggregator.
Unofficial. Not affiliated with Plaid Inc. Self-hosted client using credentials you supply.
What you can ask
- "What's my total balance across all accounts?"
- "Show me transactions over $100 in the last 30 days."
- "Which subscriptions am I still paying for?"
- "How much did I spend on groceries last month?"
- "Any bank that needs re-authentication?"
Tools (9, all read-only)
| Tool | What it does |
|---|---|
list_accounts | Every account across every linked bank, with balances |
get_balances | Live current + available balances |
get_transactions | Transactions in a date range (up to 2 years back) |
search_transactions | Keyword search across merchant / name / counterparty |
get_recurring_transactions | Detected recurring inflow + outflow streams |
get_liabilities | Credit cards, student loans, mortgages with APRs |
get_investment_holdings | Current holdings with symbol + security metadata |
get_investment_transactions | Buy / sell / dividend history in a date range |
get_institutions_status | Health of each linked bank (surfaces re-auth needs) |
Quickstart
Requires Python 3.11+, a Plaid account (free Trial plan, 10 Items), and an MCP client.
- Sign up at plaid.com → Trial plan → enable Transactions, Liabilities, Investments.
- Clone the repo, install requirements, copy
.env.exampleto.env, fill in Plaid credentials. - Run
uvicorn link_helper:app --port 8765once per bank to generate access tokens. - Run
python server.py— serves onhttp://localhost:8000/mcp. - Add to Claude Code:
claude mcp add --transport http personal-finance http://localhost:8000/mcp
Full setup, deployment (Docker, Fly.io, Raspberry Pi, Prefect Horizon), and security notes in the GitHub README.
Security
- Single-tenant. One deployment per person. Don't share.
- Read-only. No tool mutates state at any institution.
- Tokens live in env vars, never on disk.
.envis gitignored. - You own Plaid compliance — you're the Plaid customer under your own account.
License
MIT
Server Config
{
"mcpServers": {
"personal-finance": {
"command": "docker",
"args": [
"run",
"-i",
"--rm",
"-p",
"8000:8000",
"-e",
"PLAID_CLIENT_ID",
"-e",
"PLAID_SECRET",
"-e",
"PLAID_ENV",
"personal-finance-mcp"
],
"env": {
"PLAID_CLIENT_ID": "<YOUR_PLAID_CLIENT_ID>",
"PLAID_SECRET": "<YOUR_PLAID_SECRET>",
"PLAID_ENV": "production"
}
}
}
}Project Info
Created At
a month agoUpdated At
a month agoAuthor Name
JosueM1109Star
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