Copilot Money MCP Server

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.

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. Optional write mode (opt-in via --write) sends your requested changes directly to Copilot Money's Firebase/Firestore backend — the same backend the Copilot Money app itself uses — authenticated with your own credentials, never through any third-party service.

35 tools across spending, investments, budgets, goals, and more:

• 17 read tools — query transactions, accounts, holdings, balances, categories, recurring charges, budgets, goals, investment performance, and more
• 18 write tools (opt-in) — consolidate transaction changes, manage tags, create budgets, update recurring items, and organize your finances

Read-only by default. Write tools require explicitly starting the server with --write to enable.

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
• Read-only by default (write tools disabled unless you pass --write)
• In opt-in write mode, requests go directly from your machine to Copilot Money's own Firebase/Firestore backend using your own credentials — never through any third-party service
• Open source — verify the code yourself

Quick Start

Prerequisites

• Node.js 18+ (comes bundled with Claude Desktop)
• Copilot Money (macOS App Store version)
• Claude Desktop, Cursor, or any MCP-compatible client

Installation via Claude Desktop

1. Download the latest .mcpb bundle from Releases
2. Double-click the .mcpb file to install in Claude Desktop
3. Restart Claude Desktop
4. Start asking questions about your finances!

Installation via npm

npm install -g copilot-money-mcp

Then add to your Claude Desktop configuration (~/Library/Application Support/Claude/claude_desktop_config.json):

{
  "mcpServers": {
    "copilot-money": {
      "command": "copilot-money-mcp"
    }
  }
}

Installation for Cursor

1. Install the package globally:

   npm install -g copilot-money-mcp
   

2. Open Cursor Settings (Cmd + ,) > Features > MCP Servers

3. Add the server configuration:

   {
     "mcpServers": {
       "copilot-money": {
         "command": "copilot-money-mcp"
       }
     }
   }
   

What You Can Do

Spending Analysis

"How much did I spend on dining out last month?"

"Show me all my Amazon purchases in the last 30 days"

"What are my top 5 spending categories this year?"

Uses get_transactions, get_categories with date ranges, text search, and category filters.

Account Overview

"What's my net worth across all accounts?"

"Show me my checking account balance over the past 6 months, monthly"

"Which bank connections need attention?"

Uses get_accounts, get_balance_history, get_connection_status.

Investment Portfolio

"What are my current holdings and total returns?"

"Show me AAPL price history for the past year"

"What's my time-weighted return this quarter?"

Uses get_holdings, get_investment_prices, get_securities, get_investment_performance, get_twr_returns.

Budgets & Goals

"Am I on track with my budgets this month?"

"How is my emergency fund progressing?"

"Show me my goal history over the past 6 months"

Uses get_budgets, get_goals, get_goal_history.

Subscriptions & Recurring

"What subscriptions am I paying for?"

"How much do I spend on recurring charges per month?"

Uses get_recurring_transactions.

Organizing Your Finances (Write Mode)

"Categorize all my Uber transactions as transportation"

"Tag my vacation spending with #vacation"

"Create a $500 monthly dining budget"

"Set up Netflix as a monthly recurring charge"

Uses write tools like update_transaction, create_budget, update_recurring, and more. Requires --write flag.

Available Tools

Read Tools (17)

Tool	Description
get_transactions	Query transactions with filters — date range, category, merchant, amount, account, location, text search, and special types (foreign, refunds, duplicates, HSA-eligible).
get_accounts	List all accounts with balances, filter by type (checking, savings, credit, investment). Includes net worth calculation.
get_categories	List categories with transaction counts and spending totals. Supports list, tree, and search views.
get_recurring_transactions	Identify subscriptions and recurring charges with frequency, cost, and next expected date.
get_budgets	Get budgets with spending vs. limit comparisons.
get_goals	Get financial goals with target amounts, progress, and monthly contributions.
get_goal_history	Monthly progress snapshots for goals with daily data and contribution records.
get_balance_history	Daily balance snapshots for accounts over time. Supports daily, weekly, or monthly granularity.
get_holdings	Current investment holdings with ticker, quantity, price, cost basis, and total return.
get_investment_prices	Historical price data (daily + high-frequency) for stocks, ETFs, mutual funds, and crypto.
get_investment_splits	Stock split history with ratios, dates, and multipliers.
get_investment_performance	Per-security investment performance data.
get_twr_returns	Time-weighted return (TWR) monthly data for investment holdings.
get_securities	Security master data — ticker, name, type, price, and identifiers (ISIN/CUSIP).
get_connection_status	Bank sync health for linked institutions, including last sync timestamps and errors.
get_cache_info	Local cache metadata — date range, transaction count, cache age.
refresh_database	Reload data from disk. Cache auto-refreshes every 5 minutes.

Write Tools (18) — requires --write flag

Category	Tools
Transactions	update_transaction (multi-field patch), review_transactions
Tags	create_tag, update_tag, delete_tag
Categories	create_category, update_category, delete_category
Budgets	create_budget, update_budget, delete_budget
Goals	create_goal, update_goal, delete_goal
Recurring	create_recurring, update_recurring, set_recurring_state, delete_recurring

Write Mode

By default, the server starts in read-only mode. To enable write tools, start the server with the --write flag:

{
  "mcpServers": {
    "copilot-money": {
      "command": "copilot-money-mcp",
      "args": ["--write"]
    }
  }
}

Write tools modify your Copilot Money data by sending authenticated requests directly to Copilot Money's Firebase/Firestore backend — the same backend the Copilot Money app uses — so your changes are immediately reflected in your account. Writes authenticate using a Firebase refresh token extracted from your local Copilot Money session; your credentials never leave your machine except in the authenticated request to Google's Firebase/Firestore endpoints. No third-party services are involved. See PRIVACY.md for full details.

Configuration

Cache TTL

The server caches data in memory for 5 minutes. Configure via environment variable:

# Set cache TTL to 10 minutes
COPILOT_CACHE_TTL_MINUTES=10 copilot-money-mcp

# Disable caching (always reload from disk)
COPILOT_CACHE_TTL_MINUTES=0 copilot-money-mcp

You can also refresh manually using the refresh_database tool.

Decode Timeout

For large databases (500MB+), increase the decode timeout (default: 90 seconds):

# Via environment variable
DECODE_TIMEOUT_MS=600000 copilot-money-mcp

# Via CLI flag
copilot-money-mcp --timeout 600000

For databases over 1GB, also increase Node.js memory:

{
  "mcpServers": {
    "copilot-money": {
      "command": "node",
      "args": [
        "--max-old-space-size=4096",
        "/path/to/copilot-money-mcp/dist/cli.js",
        "--timeout", "600000"
      ]
    }
  }
}

Supported Date Periods

The period parameter supports these shortcuts:

this_month last_month last_7_days last_30_days last_90_days ytd this_year last_year

Known Limitations

Local Cache Dependency

This server reads from Copilot Money's local Firestore cache, not the cloud. Firestore's offline persistence caches every document the app has ever fetched, so the local database generally contains all transactions, accounts, budgets, goals, and other data you've viewed in the app. The default Firestore cache size is 100 MB (enough for tens of thousands of transactions), and older documents are only evicted via LRU garbage collection if that limit is exceeded.

To maximize cached data: Open the Copilot Money app and browse through your data (transaction history, accounts, budgets) to ensure it has been fetched and cached locally.

Troubleshooting

Database Not Found

If you see "Database not available":

1. Ensure Copilot Money is installed and has synced data
2. Check the database location: ~/Library/Containers/com.copilot.production/Data/Library/Application Support/firestore/__FIRAPP_DEFAULT/copilot-production-22904/main
3. Verify .ldb files exist in the directory
4. Provide a custom path: copilot-money-mcp --db-path /path/to/database

Decode Worker Timed Out

If you see "Decode worker timed out":

1. Increase the timeout: copilot-money-mcp --timeout 300000 (5 minutes)
2. For 1GB+ databases, also increase Node.js memory: node --max-old-space-size=4096 dist/cli.js --timeout 300000

No Transactions Found

• Open the Copilot Money app and wait for sync
• The database structure may have changed — open an issue

Contributing

See CONTRIBUTING.md for development setup, architecture, and how to add new tools.

License

MIT License - See LICENSE for details.

Acknowledgments

• Built with MCP SDK by Anthropic
• Data validation with Zod
• Developed with Bun