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Local-first personal finance MCP

adelaidasofia/finance-mcp

Connects your Claude environment to Plaid's 12,000+ supported financial institutions and writes the results into local markdown files. You link banks through Plaid's standard flow, then pull balances, investment holdings, transactions, and liabilities on demand. Access tokens live in macOS Keychain, transaction history goes into local SQLite, and account summaries write to your vault as auto-sync blocks in Accounts.md, Investments.md, and Cash Flow.md. Built for people who want their financial data aggregated locally instead of sitting on a SaaS server. Starts in Plaid sandbox mode by default, supports development and production environments once you're ready to connect real accounts.

tools
12
auth
Secret needed
transport
STDIO
env vars
2
last updated
May 20, 2026
View on GitHub

Tools

12 tools

Public tool metadata for what this MCP can expose to an agent.

healthcheckVerify Plaid creds, vault path, keychain access.

Verify Plaid creds, vault path, keychain access.

No parameter schema in public metadata yet.

link_startStart linking a new bank. Returns link_token.

Start linking a new bank. Returns link_token.

No parameter schema in public metadata yet.

link_completeExchange public_token, store in Keychain.

Exchange public_token, store in Keychain.

No parameter schema in public metadata yet.

list_linkedList linked institutions + last-sync timestamps.

List linked institutions + last-sync timestamps.

No parameter schema in public metadata yet.

unlinkRemove an institution. Revokes Plaid item + deletes Keychain entry.

Remove an institution. Revokes Plaid item + deletes Keychain entry.

No parameter schema in public metadata yet.

sync_balancesPull current balances → Accounts.md.

Pull current balances → Accounts.md.

No parameter schema in public metadata yet.

sync_holdingsPull investment positions → Investments.md.

Pull investment positions → Investments.md.

No parameter schema in public metadata yet.

sync_transactionsCursor-based transaction sync → SQLite.

Cursor-based transaction sync → SQLite.

No parameter schema in public metadata yet.

sync_liabilitiesPull credit + loan details.

Pull credit + loan details.

No parameter schema in public metadata yet.

sync_allAll of the above in sequence.

All of the above in sequence.

No parameter schema in public metadata yet.

rollup_monthCompute monthly income/expense rollup → Cash Flow.md.

Compute monthly income/expense rollup → Cash Flow.md.

No parameter schema in public metadata yet.

audit_tailLast N audit-log entries.

Last N audit-log entries.

No parameter schema in public metadata yet.

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Configuration

PLAID_CLIENT_ID*

From dashboard.plaid.com

PLAID_SECRET*secret

From dashboard.plaid.com

Readme

View the full README on GitHub

Details

Repository
github.com/adelaidasofia/finance-mcp
Package
https://github.com/adelaidasofia/finance-mcp/releases/download/v0.1.0/finance-mcp.mcpb
Transport
STDIO
Auth
Required
Registry
MCP registry, active

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