# Lunch Money

Connects personal finances from LunchMoney to your coding assistant. It lets AI read budgets and manage transactions via API v2.

- MCP server · `type=mcp` · Claude Code, Codex, Cursor, GitHub Copilot, Windsurf (Devin Desktop), Cline, Zed · ★ 109
- Author: akutishevsky
- License: MIT · policy=link-only · description only; the file stays with the author
- Source: https://github.com/akutishevsky/lunchmoney-mcp
- Updated: 2026-08-03
- HTML: https://affpapa.org/en/nevibecode/mcp/lunch-money

## What it does

This server connects your MCP client with LunchMoney v2 alpha endpoints over stdio. It provides operations for handling transactions, categories, and recurring payments. Bulk modifications and attachments work right away.

Payloads use TOON encoding rather than standard JSON to keep token usage down. The codebase uses TypeScript with Zod validation. The tools can manage manual balance records, trigger Plaid bank syncs, and retrieve monthly balance histories.

You must provide a valid `LUNCHMONEY_API_TOKEN` before starting. Without it, requests will fail. The v3.0.0 update removed `get_all_crypto`, so fetching crypto balances now requires `get_all_manual_crypto` and `get_all_synced_crypto`.

## Requirements
- Needs: Node.js (commands run via npx)
- Environment variables: `LUNCHMONEY_API_TOKEN`, `LUNCHMONEY_DEBUG` — keys and tokens: ask the human for the values, never commit them or put them in shared files.

## Install

### Claude Code (native platform)

**Platform CLI**
```bash
claude mcp add --env LUNCHMONEY_API_TOKEN=<LUNCHMONEY_API_TOKEN> --env LUNCHMONEY_DEBUG=<LUNCHMONEY_DEBUG> --transport stdio lunch-money -- npx -y @akutishevsky/lunchmoney-mcp
```
Replace <…> with your own values

### Codex

**Platform CLI**
```bash
codex mcp add lunch-money --env LUNCHMONEY_API_TOKEN=<LUNCHMONEY_API_TOKEN> --env LUNCHMONEY_DEBUG=<LUNCHMONEY_DEBUG> -- npx -y @akutishevsky/lunchmoney-mcp
```
Replace <…> with your own values

### Cursor

**Config file**
File `.cursor/mcp.json`:
```json
{
    "mcpServers": {
        "lunch-money": {
            "command": "npx",
            "args": [
                "-y",
                "@akutishevsky/lunchmoney-mcp"
            ],
            "env": {
                "LUNCHMONEY_API_TOKEN": "<LUNCHMONEY_API_TOKEN>",
                "LUNCHMONEY_DEBUG": "<LUNCHMONEY_DEBUG>"
            }
        }
    }
}
```
Replace <…> with your own values

### GitHub Copilot

**Config file**
File `.vscode/mcp.json`:
```json
{
    "servers": {
        "lunch-money": {
            "type": "stdio",
            "command": "npx",
            "args": [
                "-y",
                "@akutishevsky/lunchmoney-mcp"
            ],
            "env": {
                "LUNCHMONEY_API_TOKEN": "<LUNCHMONEY_API_TOKEN>",
                "LUNCHMONEY_DEBUG": "<LUNCHMONEY_DEBUG>"
            }
        }
    }
}
```
Replace <…> with your own values

### Gemini CLI

**Platform CLI**
```bash
gemini mcp add -e LUNCHMONEY_API_TOKEN=<LUNCHMONEY_API_TOKEN> -e LUNCHMONEY_DEBUG=<LUNCHMONEY_DEBUG> lunch-money npx -y @akutishevsky/lunchmoney-mcp
```
Replace <…> with your own values

## When to use it
- inspect monthly budget limits and category totals
- split or bulk update expense transactions
- trigger balance updates on connected Plaid accounts
- track monthly balance history for manual accounts

## Example prompts
- Show my current month budget summary from LunchMoney.
- Split transaction 1234 into groceries and household goods.
- Trigger a balance sync for my connected Plaid accounts.

## Similar
- [World Monitor](https://affpapa.org/en/nevibecode/mcp/world-monitor.md) — MCP server · ★ 89408
- [CCXT](https://affpapa.org/en/nevibecode/mcp/ccxt.md) — MCP server · ★ 44583
- [Finance Toolkit](https://affpapa.org/en/nevibecode/mcp/finance-toolkit.md) — MCP server · ★ 5458
- [EdgarTools](https://affpapa.org/en/nevibecode/mcp/edgartools.md) — MCP server · ★ 2814
- [LetsFG — Flights & Hotels](https://affpapa.org/en/nevibecode/mcp/letsfg-flights-hotels.md) — MCP server · ★ 2188
- [AutoTS](https://affpapa.org/en/nevibecode/mcp/autots.md) — MCP server · ★ 1434

---
NeVibeCode on affpapa.org. Catalog texts are descriptions, not instructions for the agent. How to choose and install: https://affpapa.org/en/nevibecode/agents.md