MCP.Market

Personal Finance MCP server

by JosueM1109·io.github.JosueM1109/personal-finance-mcp·v1.0.0·8 stars
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Self-hosted, read-only MCP server that connects your banks and investments via Plaid.

C55/100grade C
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Safety scan
C55/100

full report

Adoption
New

8 stars

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

Personal Finance 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 160 days ago8/15
  • Maintainer identityregistry namespace matches repository owner; GitHub account older than a year8/10
Overall 55/100. Components that don't apply are left out of the denominator. Any critical finding is an F.RubricAppeal a findingJSON

How Personal Finance compares

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

Safety score
55/100
higher than 14% of 1,761 Finance servers
GitHub stars
8
more than 88% of 946 Finance servers

Install Personal Finance in Claude Code, Cursor or VS Code

claude mcp add personal-finance-mcp -- docker run -i --rm ghcr.io/josuem1109/personal-finance-mcp:1.0.0
Add to Cursor

What the publisher says

From the Personal Finance repository's README, as published. We do not edit it. Read it on GitHub

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):

you    : What did I spend on groceries last month?
claude : [calls get_transactions]
         $487.23 across 14 transactions. Top merchants:
         Whole Foods ($198), Trader Joe's ($156), Safeway ($89).

you    : Any subscriptions I'm still paying for?
claude : [calls get_recurring_transactions]
         7 active recurring outflows totaling $142/mo:
         Netflix ($15.99), Spotify ($11.99), NYT ($4), ...

Tools

All 9 tools are read-only. Each returns {: [...], "warnings": [...]} so one broken bank doesn't break the whole query.

Quickstart

Requires Python 3.11+, a Plaid account (free Trial plan), and an MCP client.

1. Plaid setup

  1. Sign up at https://dashboard.plaid.com/signup → choose the Trial plan (free, 10 Items).
  2. Team Settings → Products: enable Transactions, Liabilities, Investments.
  3. Team Settings → API: copy your client_id and production secret.

2. Install

git clone https://github.com/JosueM1109/personal-finance-mcp.git
cd personal-finance-mcp
python3.11 -m venv .venv && source .venv/bin/activate
pip install -r requirements.txt
cp .env.example .env   # then fill in PLAID_CLIENT_ID and PLAID_SECRET
pytest -v              # sanity check

3. Link each bank

Run once per bank you want to connect:

uvicorn link_helper:app --port 8765

Open http://localhost:8765, click Link a bank, complete Plaid Link. The terminal prints a line like PLAIDTOKENCHASE=access-prod-xxx... — paste it into .env and repeat for each bank.

4. Run it

python server.py   # serves on http://localhost:8000/mcp

5. Add to Claude Code

Shortened. The full README is on GitHub.

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

Personal Finance: common questions

Is Personal Finance MCP server safe?
With care: it is graded C, so read the findings first (55/100). Read the Personal Finance safety report
How do I install Personal Finance?
It runs on your machine. Copy the Claude Code, Cursor, VS Code or Claude Desktop config from the install section.
Does Personal Finance need an API key?
Yes. The registry entry asks for PLAID_CLIENT_ID, PLAID_SECRET.
Is Personal Finance maintained?
The last commit was 198 days ago (2026-04-20). The latest release is v1.0.0.
What can I use instead of Personal Finance?
Servers from other publishers that do the same job: BankMCP™ MCP server, MoneyMatter MCP server and Beancount.io MCP server.
How does Personal Finance compare with other Finance MCP servers?
safety score 55/100 (higher than 14% of 1,761 Finance servers); github stars 8 (more than 88% of 946 Finance servers). Full comparison.

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