Myfinance Mcp

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 | | 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 | | 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) | | delete_account | Permanently delete the user account 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.
• CSV export and instant full deletion are tools, not support tickets.
• Hosted instance: EU data residency, row-level security keyed to your account.

See [SECURITY.md](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 |

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/](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 covers the full OAuth flow (discovery, dynamic registration, PKCE, refresh rotation), every tool, statement-import dedup semantics 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](LICENSE) - Rteam FZE LLC

Source & license

This open-source MCP server is cataloged on AgentStack and links to its original source — we do not rehost the code.

• Author: alex-odoo
• Source: alex-odoo/myfinance-mcp
• License: MIT
• Homepage: https://myfinance-mcp.com

Install and usage instructions live in the source repository linked above.