# personal-finance

This MCP server runs deterministic finance calculations, builds a plan from a plain-language situation, and fetches market data when connected to Claude Code.

- MCP server · `type=mcp` · Claude Code, Codex, Cursor, GitHub Copilot, Windsurf (Devin Desktop), Cline, Zed, Gemini CLI · ★ 6
- Author: sarveshtalele
- License: MIT · policy=link-only · description only; the file stays with the author
- Source: https://github.com/sarveshtalele/personal-finance-mcp
- Updated: 2026-08-01
- HTML: https://affpapa.org/en/nevibecode/mcp/personal-finance

## What it does

\`personal-finance` exposes deterministic finance calculators through MCP. It covers time-value calculations, debt payments, portfolio metrics, bond and equity valuation, mutual funds, savings products, and related planning tasks. The same inputs produce the same numeric result.

A planning tool named `create_financial_plan` routes a user’s description to the relevant calculators and combines the results into a prioritized plan. The project also provides a web interface and API, while its market-data tools can retrieve fund NAVs, foreign-exchange rates, and stock quotes. Those sources work without API keys.

Running from source requires Python 3.10+. The Claude Code setup uses `uvx` and starts the server over stdio. The hosted connector is a shared, rate-limited instance that may cold-start after idle, so private or heavier use belongs on a local or self-hosted setup.

## Requirements
- Needs: Python and uv (commands run via uvx)

## Install

### Claude Code (native platform)

**Platform CLI**
```bash
claude mcp add personal-finance -- uvx personal-finance-mcp
```
uvx runs the command named after the package; if the README names another one, use uvx --from personal-finance-mcp <command>

### Codex

**Platform CLI**
```bash
codex mcp add personal-finance -- uvx personal-finance-mcp
```
uvx runs the command named after the package; if the README names another one, use uvx --from personal-finance-mcp <command>

### Cursor

**Config file**
File `.cursor/mcp.json`:
```json
{
    "mcpServers": {
        "personal-finance": {
            "command": "uvx",
            "args": [
                "personal-finance-mcp"
            ]
        }
    }
}
```
uvx runs the command named after the package; if the README names another one, use uvx --from personal-finance-mcp <command>

### GitHub Copilot

**Config file**
File `.vscode/mcp.json`:
```json
{
    "servers": {
        "personal-finance": {
            "type": "stdio",
            "command": "uvx",
            "args": [
                "personal-finance-mcp"
            ]
        }
    }
}
```
uvx runs the command named after the package; if the README names another one, use uvx --from personal-finance-mcp <command>

### Gemini CLI

**Platform CLI**
```bash
gemini mcp add personal-finance uvx personal-finance-mcp
```
uvx runs the command named after the package; if the README names another one, use uvx --from personal-finance-mcp <command>

## When to use it
- calculate future or present value
- estimate loan payments and amortization
- compare portfolio return and risk metrics
- turn a financial situation into a prioritized plan
- retrieve a fund NAV, FX rate, or stock quote

## Example prompts
- Create a retirement plan from my age, income, savings, and target retirement age.
- Compare paying down this loan early with investing the same monthly amount.
- Get the latest NAV for this mutual fund and use it in an SIP calculation.

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