mcp-money
MCP server for personal finance tracking, enabling expense/income recording, budget management, and financial summaries through 16 tools.
README
mcp-money
MCP server for personal finance tracking. Designed for AI assistants — track expenses, income, budgets, and get financial summaries through 16 MCP tools.
Uses PostgreSQL with Drizzle ORM. Auto-migrates on startup.
Requirements
- Bun runtime
- PostgreSQL 14+
Installation
bunx mcp-money
Configuration
Add to your MCP client config (e.g. Claude Desktop):
{
"mcpServers": {
"money": {
"command": "bunx",
"args": ["mcp-money"],
"env": {
"DATABASE_URL": "postgresql://user:pass@localhost:5432/mydb"
}
}
}
}
Environment variables
| Variable | Required | Default | Description |
|---|---|---|---|
DATABASE_URL |
Yes | — | PostgreSQL connection string |
MCP_MONEY_SCHEMA |
No | mcp_money |
PostgreSQL schema name |
DEBUG |
No | false |
Enable SQL query logging to stderr |
Tools (16)
Transactions
| Tool | Description |
|---|---|
add_transaction |
Record an expense or income. Expenses stored as negative amounts. Tags created on-the-fly. |
list_transactions |
List with filters: date range, category, tag, currency. Supports limit/offset pagination. |
update_transaction |
Partial update of any field including tags. |
delete_transaction |
Hard delete a transaction. |
Categories
| Tool | Description |
|---|---|
list_categories |
List all categories grouped by type (expense/income). |
create_category |
Create a category with name, type, optional parent (one nesting level). |
delete_category |
Delete a category. Fails if transactions, budgets, or child categories reference it. |
Tags
| Tool | Description |
|---|---|
list_tags |
List all tags. |
create_tag |
Create a tag with a unique name. |
delete_tag |
Delete a tag and all transaction associations (CASCADE). |
Summary
| Tool | Description |
|---|---|
get_summary |
Financial summary for a date range: expenses by category, totals and averages per currency. |
Budgets
| Tool | Description |
|---|---|
set_budget |
Set or update a monthly budget for a category. |
get_budget_status |
Check budget vs actual spending for a month. Multi-currency aware. |
delete_budget |
Delete a budget by ID. |
Utilities
| Tool | Description |
|---|---|
set_currency |
Set the default currency for new transactions (e.g. USD, EUR, RUB). |
health_check |
Check DB connection, schema version, and statistics. |
Multi-currency
Every transaction stores its own currency. The default currency (initially USD) can be changed via set_currency. Summaries and budget statuses group by currency — no cross-currency conversion.
Default categories
On first run, ~10 categories are seeded: Groceries, Restaurants, Transport, Entertainment, Utilities, Rent, Salary, Healthcare, Shopping, Other.
Development
bun install
bun run dev # watch mode
bun test # run tests
Requires a running PostgreSQL instance. Set DATABASE_URL in .env.
License
ISC
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