Personal Finance Mcp
Self-host this if you want Claude to query your actual bank accounts, credit cards, and investments through Plaid's API. It exposes nine read-only tools: list accounts and balances, search transactions by date or keyword, surface recurring charges, pull mortgage and loan details, and check investment holdings. You supply your own Plaid credentials (free tier works), link each institution once through their helper script, then drop access tokens in environment variables. The author runs it on Prefect Horizon for zero cost, but any Python host works as long as you gate the endpoint. Read-only by design, so it won't move money or initiate transfers.
- GitHub stars
- 3
- tools
- 9
- auth
- Secret needed
- transport
- HTTP
- env vars
- 4
- last updated
- Apr 20, 2026
Tools
9 toolsPublic tool metadata for what this MCP can expose to an agent.
list_accountsEvery account across every linked bank, with balances
Every account across every linked bank, with balances
No parameter schema in public metadata yet.
get_balancesLive current + available balances (optionally filtered by account)
Live current + available balances (optionally filtered by account)
No parameter schema in public metadata yet.
get_transactionsTransactions in a date range (up to 2 years back)
Transactions in a date range (up to 2 years back)
No parameter schema in public metadata yet.
search_transactionsKeyword search across merchant / name / counterparty
Keyword search across merchant / name / counterparty
No parameter schema in public metadata yet.
get_recurring_transactionsDetected recurring inflow + outflow streams
Detected recurring inflow + outflow streams
No parameter schema in public metadata yet.
get_liabilitiesCredit cards, student loans, mortgages with APRs and payment details
Credit cards, student loans, mortgages with APRs and payment details
No parameter schema in public metadata yet.
get_investment_holdingsCurrent holdings with symbol + security metadata
Current holdings with symbol + security metadata
No parameter schema in public metadata yet.
get_investment_transactionsBuy / sell / dividend history in a date range
Buy / sell / dividend history in a date range
No parameter schema in public metadata yet.
get_institutions_statusHealth of each linked bank (surfaces re-auth needs)
Health of each linked bank (surfaces re-auth needs)
No parameter schema in public metadata yet.
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PLAID_CLIENT_ID*secretYour Plaid client_id from the Plaid dashboard (Team Settings -> API).
PLAID_SECRET*secretYour Plaid secret for the target environment (production or sandbox).
PLAID_ENVdefault: productionPlaid environment: production or sandbox.
PORTdefault: 8000Port the MCP HTTP server listens on inside the container.
Readme
personal-finance-mcp
Unofficial. This project is not affiliated with, endorsed by, or sponsored by Plaid Inc. "Plaid" is a trademark of Plaid Inc. This is a self-hosted client that talks to Plaid's API using credentials you supply.
A self-hosted, read-only MCP server that connects your banks, credit cards, loans, and brokerage accounts (via Plaid) to an MCP client like Claude Code. Ask questions about your own finances in plain English — no third-party aggregator (Monarch, Mint, etc.) involved.
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?"
Example session (illustrative):
Details
- Repository
- github.com/josuem1109/personal-finance-mcp
- Package
ghcr.io/josuem1109/personal-finance-mcp:1.0.0- Transport
- HTTP
- Auth
- Required
- Registry
- MCP registry, active