mcp-money

mcp-money

MCP server for personal finance tracking, enabling expense/income recording, budget management, and financial summaries through 16 tools.

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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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