Personal Finance MCP

Created By

JosueM110916 days ago

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.

# plaid

# personal-finance

Overview Content Tools Comments

Content

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.example to .env, fill in Plaid credentials.
Run uvicorn link_helper:app --port 8765 once per bank to generate access tokens.
Run python server.py — serves on http://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. .env is 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"
      }
    }
  }
}

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