JosueM1109/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):
Tools
All 9 tools are read-only. Each returns { : [...], "warnings": [...]} so one broken bank doesn't break the whole query.
| Tool | What it does |
| ----------------------------- | -------------------------------------------------------------------- |
| list_accounts | Every account across every linked bank, with balances |
| get_balances | Live current + available balances (optionally filtered by account) |
| get_transactions | Transactions in a date range (up to 2 years back) |
| search_transactions | Keyword search across merchant / name / counterparty |
| get_recurring_transactions | Detected recurring inflow + outflow streams |
| get_liabilities | Credit cards, student loans, mortgages with APRs and payment details |
| get_investment_holdings | Current holdings with symbol + security metadata |
| get_investment_transactions | Buy / sell / dividend history in a date range |
| get_institutions_status | Health of each linked bank (surfaces re-auth needs) |
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
3. Link each bank
Run once per bank you want to connect:
Open http://localhost:8765, click **Link a bank**, complete Plaid Link. The terminal prints a line like PLAID_TOKEN_CHASE=access-prod-xxx... — paste it into .env and repeat for each bank.
4. Run it
5. Add to Claude Code
Try "list my accounts" to confirm.
Deployment
For a deployment you can use from anywhere:
- **Docker** (included): docker build -t personal-finance-mcp . && docker run --rm -p 8000:8000 --env-file .env personal-finance-mcp
- **Any Python host** (Fly.io, Railway, Raspberry Pi + Tailscale, a VPS): set the env vars from .env.example, expose /mcp over HTTPS, gate it with auth.
- **Prefect Horizon** (what the author uses — $0 recurring cost): see docs/DEPLOYMENT.md for the full walkthrough.
**Gate the endpoint.** An exposed MCP endpoint with your tokens leaks every linked account. Use OAuth 2.1, Cloudflare Access, or bind to a private network only.