MyFinance MCP
A remote MCP server for personal finance - log expenses by talking, snap receipt photos, import whole bank statements, and get budgets, trends and net worth computed for you, in any currency.
Website: myfinance-mcp.com · Free while in beta · Built by Rteam
Quick Start
Already hosted and ready to use - just connect it to your MCP client:
https://myfinance-mcp.com/mcp
On Claude.ai: Customize → Connectors → + → Add custom connector → paste the URL → Connect. Leave the OAuth Client ID and Client Secret fields empty - filling them breaks sign-in.
On ChatGPT: Settings → Apps → Create app → paste the URL → choose OAuth → Create.
On first connect you sign in with Google or register with an email and password. Your data persists across reconnections.
Why
- No app, no forms, no spreadsheet. "Spent 24.50 eur on groceries at Lidl" is the whole workflow.
- Every number is computed in SQL. The server owns the data and the math; the AI reads the results, it never guesses arithmetic.
- Any currency. Transactions keep their original currency; the FX rate to your base currency is frozen at transaction date, so history never rewrites itself.
- Statements in one message. Drop a CSV/PDF export; hundreds of rows import in one call with idempotent deduplication, hand-logged twins merged, totals reconciled.
- Personal vs business. Entity tag on accounts and transactions, filterable everywhere, included in CSV export for your accountant.
- Dashboards in the chat. Budgets, trends, summaries and accounts render as interactive panels (MCP Apps) right in the conversation.
Tech Stack
- Bun - runtime and package manager
- Express - HTTP layer
- MCP SDK - Model Context Protocol over Streamable HTTP (stateless)
- OAuth 2.1 - PKCE + dynamic client registration, Google sign-in optional
- Prisma + PostgreSQL - all money as
numeric, all stats as SQL aggregates - Docker - single container deployment
MCP Tools
| Tool | Description |
|---|---|
log_expense | Record one purchase, bill or receipt (negative amount = refund) |
log_income | Record income: salary, invoice, refund, interest |
log_transfer | Move money between accounts, cross-currency supported; never counts as spending |
log_balance | Anchor an account's balance at a date; later flows compute from the snapshot |
import_transactions | Bulk statement import (up to 500 rows/call): dedup by bank reference or derived key, twin merge, reconciliation check |
create_account | Create a bank / card / cash / investment account with currency and personal/business entity |
update_account | Rename an account or change its type, entity or main currency |
delete_account | Delete one money account (with its transactions after explicit confirmation) |
merge_accounts | Fold one account into another: move rows, de-duplicate both sides, rewrite transfers |
get_accounts | All accounts with balances and net worth, converted to base currency |
get_summary | Period totals by category, merchant or month; expense or income breakdown, category drill-down and exclusions |
get_transactions | List and filter raw transactions |
get_trends | Month-over-month spending trends and deltas |
set_budget | Monthly cap per category or overall |
get_budget_progress | Live budget progress with days left; renders as a dashboard |
update_transaction | Fix any field of an existing transaction, including its type (e.g. turn a cash withdrawal into a transfer); category fixes are remembered per merchant for future syncs |
delete_transaction | Delete one transaction by id |
delete_transactions | Bulk delete by ids |
get_settings | Base currency and timezone |
update_settings | Change base currency or timezone |
export_transactions | Full CSV export (includes the entity column for accountant handoff) |
connect_bank | Link a real bank via open banking (Enable Banking, EU/UK): list banks, start consent, status, per-account sync toggle, disconnect |
sync_bank | Pull booked transactions and balances from the connected bank; incremental, transfer pairing, dedup-safe. Healthy connections also auto-sync server-side roughly daily |
connect_zenmoney | Link a ZenMoney account (international and .ru backends auto-detected) for read-only sync |
sync_zenmoney | Pull ZenMoney accounts and transactions; incremental, dedup-safe, keeps your manual edits |
delete_all_data | Permanently delete the user profile and ALL data (GDPR erasure) |
ping | Health and auth check |
MCP Apps
Four tools return an interactive dashboard (ui://myfinancemcp/dashboard) rendered directly in the chat on clients that support MCP Apps: budget rings, monthly trends, category summaries and the accounts/net-worth panel. Light and dark theme aware.
Security & Privacy
- Receipt photos are parsed by YOUR AI client; images never reach this server.
- Amounts, merchants and notes are never written to server logs (blind logs); telemetry stores event types and ids only.
- OAuth 2.1 with PKCE, encrypted tokens, rate-limited sign-in.
- All 27 tools carry MCP annotations (read-only and destructive ops flagged, connector tools marked open-world), so clients can gate confirmations correctly.
- Bank access is strictly read-only: open banking consent via Enable Banking (the bank authenticates the user; we never see credentials), ZenMoney via the user's own API token. Session ids and tokens are stored AES-256-GCM encrypted.
- CSV export and instant full deletion are tools, not support tickets.
- Hosted instance: EU data residency, row-level security keyed to your account.
- 154 automated end-to-end checks (full OAuth flow, every tool, import dedup semantics, GDPR deletion) run in CI and as a hard deploy gate.
See SECURITY.md for the disclosure policy.
Self-hosting
MIT-licensed; runs anywhere Bun and Postgres run.
1. Postgres
Any PostgreSQL 15+ works. Supabase free tier is a good fit: create a project and copy the session pooler connection string (IPv4).
Apply the schema:
bun install
bunx prisma db push
2. Environment variables
| Variable | Description |
|---|---|
PORT | Server port (default 8788) |
BASE_URL | Public URL of the server (OAuth issuer) |
DATABASE_URL | Postgres connection string |
MYFINANCE_MCP_EMAIL | Bootstrap user email |
MYFINANCE_MCP_PASSWORD_HASH | Bootstrap user password hash (see below) |
GOOGLE_CLIENT_ID | (optional) Google OAuth client ID for "Continue with Google" |
GOOGLE_CLIENT_SECRET | (optional) Google OAuth client secret |
RESEND_API_KEY | (optional) Resend key for new-signup email notifications |
NOTIFY_EMAIL | (optional) Where signup notifications go |
FROM_EMAIL | (optional) Verified sender for notifications |
AUTO_SYNC_INTERVAL_MS | (optional) Bank auto-sync tick, default hourly (syncs connections >20h stale); 0 disables |
Generate the password hash:
bun -e "console.log(await Bun.password.hash(process.argv[1]))" 'your-password'
3. Run
docker compose up -d # uses the included Dockerfile, port 8788
Put nginx (or any TLS-terminating proxy) in front and point BASE_URL at your domain. The static landing in site/ is optional - serve it from the same origin if you want one.
Development
bun install
cp .env.example .env # fill in your values
bun run dev # hot reload on :8788
bun run e2e # self-contained end-to-end suite (spawns its own server)
bun run lint
The e2e suite (154 checks) covers the full OAuth flow (discovery, dynamic registration, PKCE, refresh rotation), every tool, statement-import dedup semantics, ZenMoney sync against a stubbed Diff API, and GDPR deletion.
API Endpoints
| Endpoint | Description |
|---|---|
POST /mcp | MCP endpoint (Bearer auth) |
GET /health | Health check |
GET /.well-known/oauth-authorization-server | OAuth metadata discovery |
GET /.well-known/oauth-protected-resource/mcp | Protected resource metadata |
POST /register | Dynamic client registration |
GET /authorize | OAuth authorization (sign-in page) |
POST /token | Token exchange |
GET /auth/google | Google sign-in start (when configured) |
GET /api/stats | Public aggregate counters (counts only, never amounts) |
License
MIT - Rteam FZE LLC