saldo-mcp

Ask your AI about your money — without your money data ever leaving your machine.

saldo-mcp is the open-source engine behind Saldo: a read-only MCP server that connects Swedish/Nordic bank accounts to Claude, ChatGPT, and any MCP-compatible assistant. It runs on your computer, fetches data directly from the bank via Enable Banking's open-banking API, and keeps an encrypted local cache — so your transaction history accumulates beyond the bank's ~90-day window, and nothing financial ever touches anyone else's servers. Including ours.

Principles

• Read-only, always. Account-information consents only. Payment initiation isn't a disabled feature — it's a capability this codebase does not contain.
• Privacy by architecture. The engine calls the bank API from your device. The optional managed broker (hosted by us, for the paid tiers) handles consent and short-lived keys only; it has no endpoint that can receive financial data.
• Yours to run. Self-hosting with your own free Enable Banking application is free forever, no account with us required.

Quick start (self-host)

Requirements: Node 24+, a Swedish/Nordic bank account, and a free Enable Banking application (their Restricted Production tier: link your own accounts, real data, no contract).

No install needed to try it — state lives in ~/.saldo/, not in the package:

npx saldo-mcp init                    # wizard: managed or self-host (paste your EB app id + .pem path)
npx saldo-mcp institutions SE
npx saldo-mcp link "SE:Your Bank"     # BankID in the browser
npx saldo-mcp sync                    # pull history into the encrypted cache
npx saldo-mcp doctor                  # ✓/✗ health checks

To connect an assistant, install permanently (Claude Desktop launches the server from a fixed path, and the npx cache is temporary):

npm install -g saldo-mcp
saldo connect-claude                  # register in Claude Desktop, restart Claude

Prefer running from source? git clone https://github.com/pixby/saldo-mcp.git && cd saldo-mcp && npm install && npm run build, then use node dist/cli/index.js in place of saldo.

Then ask Claude: "What did I spend on groceries last month?"

(npm package coming: npx saldo-mcp init — after which the command is just saldo.)

MCP tools

Seven read-only tools, designed so assistants answer cheaply from pre-computed summaries instead of re-deriving totals from raw dumps:

list_accounts · get_balances · get_transactions (date + amount filters, one or all accounts) · search_transactions (full-text) · spending_by_category (own Nordic merchant categorizer, or by exact counterparty) · get_recurring_charges · compare_periods

Architecture notes

• Provider-neutral core: everything above src/providers/provider.ts (BankProvider) speaks provider-neutral domain types — Enable Banking is the backend today; others can slot in without touching the engine or tools.
• Cache: node:sqlite + AES-256-GCM at rest (no native deps). Only ids and booking dates are stored in the clear (for indexed range queries); amounts, names, and descriptions never hit disk unencrypted.
• Transports: stdio (this repo's default — your MCP client launches it) and Streamable HTTP on 127.0.0.1 (used by the Saldo desktop app).
• Money is integer minor units (öre) internally; formatting to kr happens only at presentation.
• Tests: npm test — 54 integration/unit tests over a deterministic fake provider (no bank, no network, no secrets).

Relationship to Saldo

This repo is the engine. Saldo wraps it in a desktop app (macOS/Windows/Linux) with one-click assistant connections and a managed tier where you bring only your BankID. Self-hosting this engine is and stays free.

License

MIT © Pixby Media AB