# personal-finance-mcp

Brings your banks, cards, loans and brokerage accounts in through Plaid. Ask about your own finances in plain English, with no third-party aggregator in the middle.

- MCP server · `type=mcp` · Claude Code, Codex, Cursor, GitHub Copilot, Windsurf (Devin Desktop), Cline, Zed · ★ 9
- Author: JosueM1109
- License: MIT · policy=link-only · description only; the file stays with the author
- Source: https://github.com/JosueM1109/personal-finance-mcp
- Updated: 2026-04-20
- HTML: https://affpapa.org/en/nevibecode/mcp/personal-finance-mcp

## What it does

You host the server yourself, and every tool is read-only. Nine of them cover accounts, balances, transactions, recurring charges, liabilities and investment holdings. Responses carry a `warnings` list, so a single failing bank does not take the whole query down with it.

You need a Plaid account on the free Trial plan, plus Transactions, Liabilities and Investments switched on in the dashboard. Skip that step and tools come back empty, with `PRODUCTS_NOT_SUPPORTED` in `warnings`. Banks are linked one at a time: start `uvicorn link_helper:app --port 8765`, finish Plaid Link in the browser, then paste the printed token into `.env`. Running `python server.py` serves the endpoint at `http://localhost:8000/mcp`.

Putting this on a public host means gating the endpoint first. An open `/mcp` with your tokens inside hands over every linked account. OAuth 2.1, Cloudflare Access or a private network all work. The project is unaffiliated with Plaid Inc. and built for a single person per deployment.

## Requirements
- Needs: Docker
- Environment variables: `PLAID_CLIENT_ID`, `PLAID_SECRET`, `PLAID_ENV`, `PORT` — keys and tokens: ask the human for the values, never commit them or put them in shared files.

## Install

### Claude Code (native platform)

**Install**
- The MCP registry has no launch command for it: see the repository README

## When to use it
- total up balances across every linked account
- pull transactions for a date range or by keyword
- spot subscriptions that are still charging
- read APRs and payment terms on cards and loans
- check which banks need re-authentication

## Example prompts
- What's my total balance across all accounts?
- Which subscriptions am I still paying for?

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