MyFinance MCP

A remote MCP server for personal finance - log expenses by talking, snap receipt photos, import whole bank statements, and get budgets, trends and net worth computed for you, in any currency.

Website: myfinance-mcp.com · Free while in beta · Built by Rteam

Quick Start

Already hosted and ready to use - just connect it to your MCP client:

https://myfinance-mcp.com/mcp

On Claude.ai: Customize → Connectors → + → Add custom connector → paste the URL → Connect. Leave the OAuth Client ID and Client Secret fields empty - filling them breaks sign-in.

On ChatGPT: Settings → Apps → Create app → paste the URL → choose OAuth → Create.

On first connect you sign in with Google or register with an email and password. Your data persists across reconnections.

Why

• No app, no forms, no spreadsheet. "Spent 24.50 eur on groceries at Lidl" is the whole workflow.
• Every number is computed in SQL. The server owns the data and the math; the AI reads the results, it never guesses arithmetic.
• Any currency. Transactions keep their original currency; the FX rate to your base currency is frozen at transaction date, so history never rewrites itself.
• Statements in one message. Drop a CSV/PDF export; hundreds of rows import in one call with idempotent deduplication, hand-logged twins merged, totals reconciled.
• Personal vs business. Entity tag on accounts and transactions, filterable everywhere, included in CSV export for your accountant.
• Dashboards in the chat. Budgets, trends, summaries and accounts render as interactive panels (MCP Apps) right in the conversation.

Tech Stack

• Bun - runtime and package manager
• Express - HTTP layer
• MCP SDK - Model Context Protocol over Streamable HTTP (stateless)
• OAuth 2.1 - PKCE + dynamic client registration, Google sign-in optional
• Prisma + PostgreSQL - all money as numeric, all stats as SQL aggregates
• Docker - single container deployment

MCP Tools

Tool	Description
log_expense	Record one purchase, bill or receipt (negative amount = refund)
log_income	Record income: salary, invoice, refund, interest
log_transfer	Move money between accounts, cross-currency supported; never counts as spending
log_balance	Anchor an account's balance at a date; later flows compute from the snapshot
import_transactions	Bulk statement import (up to 500 rows/call): dedup by bank reference or derived key, twin merge, reconciliation check
create_account	Create a bank / card / cash / investment account with currency and personal/business entity
update_account	Rename an account or change its type, entity or main currency
delete_account	Delete one money account (with its transactions after explicit confirmation)
merge_accounts	Fold one account into another: move rows, de-duplicate both sides, rewrite transfers
get_accounts	All accounts with balances and net worth, converted to base currency
get_summary	Period totals by category, merchant or month; expense or income breakdown, category drill-down and exclusions
get_transactions	List and filter raw transactions
get_trends	Month-over-month spending trends and deltas
set_budget	Monthly cap per category or overall
get_budget_progress	Live budget progress with days left; renders as a dashboard
update_transaction	Fix any field of an existing transaction, including its type (e.g. turn a cash withdrawal into a transfer); category fixes are remembered per merchant for future syncs
delete_transaction	Delete one transaction by id
delete_transactions	Bulk delete by ids
get_settings	Base currency and timezone
update_settings	Change base currency or timezone
export_transactions	Full CSV export (includes the entity column for accountant handoff)
connect_bank	Link a real bank via open banking (Enable Banking, EU/UK): list banks, start consent, status, per-account sync toggle, disconnect
sync_bank	Pull booked transactions and balances from the connected bank; incremental, transfer pairing, dedup-safe. Healthy connections also auto-sync server-side roughly daily
connect_zenmoney	Link a ZenMoney account (international and .ru backends auto-detected) for read-only sync
sync_zenmoney	Pull ZenMoney accounts and transactions; incremental, dedup-safe, keeps your manual edits
delete_all_data	Permanently delete the user profile and ALL data (GDPR erasure)
ping	Health and auth check

MCP Apps

Four tools return an interactive dashboard (ui://myfinancemcp/dashboard) rendered directly in the chat on clients that support MCP Apps: budget rings, monthly trends, category summaries and the accounts/net-worth panel. Light and dark theme aware.

Security & Privacy

• Receipt photos are parsed by YOUR AI client; images never reach this server.
• Amounts, merchants and notes are never written to server logs (blind logs); telemetry stores event types and ids only.
• OAuth 2.1 with PKCE, encrypted tokens, rate-limited sign-in.
• All 27 tools carry MCP annotations (read-only and destructive ops flagged, connector tools marked open-world), so clients can gate confirmations correctly.
• Bank access is strictly read-only: open banking consent via Enable Banking (the bank authenticates the user; we never see credentials), ZenMoney via the user's own API token. Session ids and tokens are stored AES-256-GCM encrypted.
• CSV export and instant full deletion are tools, not support tickets.
• Hosted instance: EU data residency, row-level security keyed to your account.
• 154 automated end-to-end checks (full OAuth flow, every tool, import dedup semantics, GDPR deletion) run in CI and as a hard deploy gate.

See SECURITY.md for the disclosure policy.

Self-hosting

MIT-licensed; runs anywhere Bun and Postgres run.

1. Postgres

Any PostgreSQL 15+ works. Supabase free tier is a good fit: create a project and copy the session pooler connection string (IPv4).

Apply the schema:

bun install
bunx prisma db push

2. Environment variables

Variable	Description
PORT	Server port (default 8788)
BASE_URL	Public URL of the server (OAuth issuer)
DATABASE_URL	Postgres connection string
MYFINANCE_MCP_EMAIL	Bootstrap user email
MYFINANCE_MCP_PASSWORD_HASH	Bootstrap user password hash (see below)
GOOGLE_CLIENT_ID	(optional) Google OAuth client ID for "Continue with Google"
GOOGLE_CLIENT_SECRET	(optional) Google OAuth client secret
RESEND_API_KEY	(optional) Resend key for new-signup email notifications
NOTIFY_EMAIL	(optional) Where signup notifications go
FROM_EMAIL	(optional) Verified sender for notifications
AUTO_SYNC_INTERVAL_MS	(optional) Bank auto-sync tick, default hourly (syncs connections >20h stale); 0 disables

Generate the password hash:

bun -e "console.log(await Bun.password.hash(process.argv[1]))" 'your-password'

3. Run

docker compose up -d      # uses the included Dockerfile, port 8788

Put nginx (or any TLS-terminating proxy) in front and point BASE_URL at your domain. The static landing in site/ is optional - serve it from the same origin if you want one.

Development

bun install
cp .env.example .env   # fill in your values
bun run dev            # hot reload on :8788
bun run e2e            # self-contained end-to-end suite (spawns its own server)
bun run lint

The e2e suite (154 checks) covers the full OAuth flow (discovery, dynamic registration, PKCE, refresh rotation), every tool, statement-import dedup semantics, ZenMoney sync against a stubbed Diff API, and GDPR deletion.

API Endpoints

Endpoint	Description
POST /mcp	MCP endpoint (Bearer auth)
GET /health	Health check
GET /.well-known/oauth-authorization-server	OAuth metadata discovery
GET /.well-known/oauth-protected-resource/mcp	Protected resource metadata
POST /register	Dynamic client registration
GET /authorize	OAuth authorization (sign-in page)
POST /token	Token exchange
GET /auth/google	Google sign-in start (when configured)
GET /api/stats	Public aggregate counters (counts only, never amounts)

License

MIT - Rteam FZE LLC