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Local-first personal finance MCP server

by adelaidasofia·io.github.adelaidasofia/finance-mcp·v0.1.0
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Local-first personal finance MCP. Aggregates bank, brokerage, credit, and loan accounts via Plaid.…

B73/100grade B
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B73/100

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If you have run it, two minutes of your experience saves the next person an afternoon.

Local-first personal finance MCP tools

No tool declarations could be read from the package source. They show once the server is installed.

Public scan report

scanner v0.1.9 · 2026-09-27 · same rubric, same numbers if you re-run it

no findings
  • –Code scanpackage could not be scannedn/a
  • –Live reliabilityno gateway calls yet and no remote to proben/a
  • –Tool poisoningtools not inspected (local package is not executed); not countedn/a
  • Auth qualitystatic API keys via environment variables6/15
  • Maintenancelast push 4 days ago15/15
  • Maintainer identityregistry namespace matches repository owner; GitHub account older than a year8/10
Overall 73/100. Components that don't apply are left out of the denominator. Any critical finding is an F.RubricAppeal a findingJSON

How Local-first personal finance MCP compares

Against every graded Finance MCP server, from our own scans and uptime checks. Updated after each scan run.

Safety score
73/100
higher than 45% of 1,765 Finance servers

Install Local-first personal finance MCP in Claude Code, Cursor or VS Code

The registry entry has no remote endpoint or installable package.

What the publisher says

From the Local-first personal finance MCP repository's README, as published. We do not edit it. Read it on GitHub

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finance-mcp

Local-first personal finance MCP. Aggregates bank, brokerage, credit, and loan accounts via Plaid. Writes balances, holdings, and transactions to your local Obsidian-style markdown vault. Access tokens stay in macOS Keychain. Never sends data anywhere except plaid.com.

What it does

  • Link any US bank or brokerage via Plaid (Chase, Citi, Schwab, Discover, Fidelity, Wells Fargo, Bank of America, Capital One, Vanguard, Robinhood, Coinbase, student-loan servicers, 12,000+ institutions total).
  • Pull live balances for every account → writes the auto-sync block in your vault's Accounts.md.
  • Pull investment holdings with shares, cost basis, current value → writes Investments.md.
  • Pull transactions cursor-style (delta only after first sync) → stores in local SQLite.
  • Roll up monthly cash flow by category → writes Cash Flow.md.
  • Pull liabilities (credit-card APRs, statement balances, student-loan payoff info).
  • Audit log every Plaid call and every keychain access.

Why local-first matters

Most personal-finance SaaS (Mint, Copilot, YNAB, Monarch) puts your bank data on their servers and charges you for the privilege. This MCP:

  • Runs on your laptop, talks directly to Plaid, writes to your local vault.
  • Stores access tokens in macOS Keychain, not env files or any database.
  • Never returns access tokens in tool responses — items are referenced by alias (chase, citi, etc.).
  • Vault data is plain markdown with inline Dataview fields — your data, your format, queryable forever.

Install

Open Claude Code, paste:

/plugin marketplace add adelaidasofia/finance-mcp /plugin install finance-mcp@finance-mcp

Requires macOS (for Keychain) and Python 3.11+. After install, set your Plaid credentials in .env at the plugin root (see SETUP.md for the Plaid signup walkthrough).

First-time use

> healthcheck

If it shows blockers, follow them. Once green:

> link_start(institution_alias="chase")

Open the returned linktoken in Plaid's Link demo page (paste the token in the field labeled "Link Token", then click "Open Plaid Link"). Complete bank auth in the browser. Copy the publictoken from the success page.

> link_complete(institution_alias="chase", public_token="public-sandbox-...")

Repeat for each bank.

> sync_balances
> sync_holdings
> sync_transactions
> rollup_month(month="2026-05")

Your vault's Accounts.md, Investments.md, and Cash Flow.md now have auto-sync blocks with current data. Re-run any time.

Tool surface

Shortened. The full README is on GitHub.

Nothing above is checked by us. What we check is on the safety report.

Local-first personal finance MCP: common questions

Is Local-first personal finance MCP server safe?
Mostly: it is graded B (73/100). Read the Local-first personal finance MCP safety report
Does Local-first personal finance MCP need an API key?
Yes. The registry entry asks for PLAID_SECRET.
Is Local-first personal finance MCP maintained?
The last commit was 40 days ago (2026-09-23). The latest release is v0.1.0.
What can I use instead of Local-first personal finance MCP?
Servers from other publishers that do the same job: MoneyMatter MCP server, Open Finance MCP server and BankMCP™ MCP server.

Alternatives to Local-first personal finance MCP

Same job from other publishers: the closest match first, then the best rated.

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