Smart Money MCP server

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Smart Money MCP

Model Context Protocol server for personal finance — log expenses in plain language, track accounts, deposits, budgets and spending, secured by OAuth.

Smart Money MCP puts your money ledger inside your AI assistant. Connect Claude, ChatGPT, Cursor, VS Code, or a CLI client to Smart Money, then say "log 4500 on a taxi yesterday from Kaspi" or ask "how much did I spend on food this month?" — the assistant writes to the same ledger the app reads.

• Server URL: https://smart-money.ink/mcp
• Transport: Streamable HTTP
• Auth: OAuth 2.1 with PKCE
• Landing & setup: smart-money.ink/claude

Install

Smart Money MCP is a remote, OAuth-secured server. There is nothing to install locally. Add this to your MCP client config:

{
  "mcpServers": {
    "smart-money": {
      "type": "http",
      "url": "https://smart-money.ink/mcp"
    }
  }
}

One-click install:

CLI clients (Claude Code, Gemini CLI, Codex CLI) and manual snippets: see Supported clients.

Quick start

1. Create a Smart Money account at smart-money.ink and start the free trial (see Plans & access).
2. Open smart-money.ink/claude and follow the setup path for your client.
3. Use the one-click install, the CLI command, or the manual JSON snippet above.
4. Authorize with OAuth when your client opens the consent screen.
5. Talk to your assistant about money in plain language.

What you can do from chat

• 💬 Plain-language entry — taxi 4500 yesterday kaspi #trip is parsed into an amount, date, account, currency, tags and category. Amounts like 12k or 1.2m, dates like yesterday or 3 days ago, and account names in any script all resolve.
• 📊 Spending answers — income, expense, savings rate, category breakdown and top merchants for any period.
• 🏦 Accounts & balances — cards, cash, bank accounts, deposits, credit cards (counted as liabilities), investments and e-wallets. Multi-currency, with rates on the date and totals in your base currency.
• 💰 Deposits with interest — rate in basis points, accrual frequency, compounding or payout to another account. Interest is computed daily on the real balance, and every accrual carries an idempotency key, so nothing is posted twice.
• 🎯 Budgets — weekly, monthly or yearly limits with spent, remaining, and an end-of-period forecast.
• 📥 Bank notifications — paste push-notification text and it becomes transactions; re-importing the same notification does not duplicate it.
• 🏷️ Categories & tags — flat categories chosen in one step, tags orthogonal to them. An unknown #tag is created on the fly; a deleted one is restored instead of duplicated.

Tool surface

Shortened. The full README is on GitHub.