ignaciohermosillacornejo/copilot-money-mcp

> Query and manage your personal finances with AI using local Copilot Money data
Disclaimer
**This is an independent, community-driven project and is not affiliated with, endorsed by, or associated with Copilot Money or its parent company in any way.** This tool was created by an independent developer to enable AI-powered queries of locally cached data. "Copilot Money" is a trademark of its respective owner.
> [!NOTE]
> **Copilot Money has announced an official MCP server (currently in waitlist, read-only).** If a first-party, read-only integration suits your needs, you should strongly consider using it instead of this community project. Learn more and join the waitlist at agent.copilot.money.
>
> This project remains useful if you need write tools (categorize transactions, manage budgets, edit recurrings, etc.), fully offline cache-mode reads with zero network requests, or simply want access today without waiting for the official rollout.
> [!WARNING]
> **The official MCP beta currently does not surface Plaid-connected accounts.** Copilot's team has confirmed the limitation and says they're working on a path forward, but there's no timeline. If most of your institutions connect through Plaid, the official MCP will give you an incomplete picture of your finances. This community server is not affected: it reads the app's full local cache (and, in live mode, the same GraphQL API the app uses), so Plaid-connected accounts are included.
Overview
An MCP server that gives AI assistants access to your Copilot Money personal finance data. It reads from the locally cached Firestore database (LevelDB + Protocol Buffers) on your Mac. **Reads are 100% local with zero network requests.**
**14 cache-mode read tools (or 25 in --live-reads mode: 8 surviving cache + 17 live), plus up to 19 write tools** — query and modify transactions, accounts, holdings, balances, categories, recurring charges, budgets, goals, and investment performance. See Tools by Mode below.
> Contributors: writes go through an API we don't own. How the repo keeps its model of Copilot's GraphQL surface from silently drifting — the conformance ledger, live smokes, and weekly drift check — is documented in docs/CONFORMANCE_ARCHITECTURE.md.
Privacy First
We never collect, store, or transmit your data to any server operated by this project — we don't have any. See our Privacy Policy for details.
- No analytics, telemetry, or tracking of any kind
- Reads are fully local — zero network requests
- Open source — verify the code yourself
> [!IMPORTANT]
> **Heads up about AI providers.** While this server itself runs locally and never sends your data to any server operated by this project, **the AI assistant you connect it to (Claude, ChatGPT, Gemini, etc.) will see your Copilot Money data** as part of answering your questions. That means your financial data will be transmitted to and processed by the provider of whichever model you choose — **Anthropic, OpenAI, Google, or another third party** — subject to that provider's own privacy policy and data retention terms.
>
> **By using this MCP server with a hosted AI model, you are knowingly sharing your financial data with that AI provider.** Only use this tool if you are comfortable with that trade-off. If you are not, consider waiting for an official Copilot Money integration or using a fully local model.
Tools by Mode
This server exposes different tools depending on which CLI flags you enable.
| Mode | Flag | What it does | Auth | Network | Tools available |
|---|---|---|---|---|---|
| 🟢 Default | _(none)_ | Reads from your local LevelDB cache | ❌ None | 🔌 Zero (offline) | 14 cache-mode read + utility tools |
| 🌐 Live reads | --live-reads | Real-time reads via Copilot's GraphQL API; swaps out 6 cache tools and adds 11 live-only ones | 🔒 Browser session | 🌐 HTTPS per request | 25 read tools (8 cache + 17 live) |
| ✍️ Writes | --write | Adds mutation tools (transactions, tags, categories, budgets, recurrings, splits) **and turns on --live-reads automatically** — writes need server-fresh transaction metadata, so live reads are coupled to write mode | 🔒 Browser session | 🌐 HTTPS per request | +19 write tools, on top of the 25 live read tools |