A
licenseNot graded
qualityC
maintenancePersonal Finance AI - MCP server providing AI-powered tools and automation by MEOK AI Labs
9 npm
MIT
Budget Planner AI MCP
by CSOAI-ORG
This server provides comprehensive budget planning, tracking, goal setting, and analytics capabilities.
Budget Management
create_budget: Set up a monthly budget with income and category-based spending allocations.get_budget_status: View the current state of a monthly budget, including spending vs. allocations.set_budget_alert: Configure spending alert thresholds (by percentage) for specific categories.transfer_funds: Move allocated budget amounts between categories within a month.rollover_unused: Carry over unspent budget from one month to the next.
Transaction Tracking
add_expense: Record expense transactions under specific budget categories.add_income: Log income entries for a budget period from various sources.get_transactions: List and filter transactions by month, category, date range, or limit.
Savings Goals
create_goal: Define savings goals with a target amount, target date, and category.update_goal_progress: Add contributions toward a specific savings goal.get_goals: Retrieve all savings goals along with their current progress and status.
Analytics & Reporting
get_analytics: Analyze spending patterns across months and categories.get_category_spending: Get detailed spending data broken down by category.
Budget Planner Ai MCP
Comprehensive budget planning with tracking, goals, and analytics
Comprehensive budget planning with tracking, goals, and analytics.
🚀 Quick Start
# Install via pip
pip install budget_planner_ai_mcp
# Or install via Smithery
npx -y @smithery/cli@latest install budget-planner-ai-mcp --client claudeRelated MCP server: Price Tracker AI MCP
✨ Features
MCP protocol compliant
Easy installation
Well-documented API
Production-ready
Active maintenance
📖 Documentation
🛡️ Compliance
This MCP server is built with EU AI Act compliance built-in:
✅ Article 9 — Risk Management System
✅ Article 13 — Transparency & Instructions for Use
✅ Article 15 — Bias Detection & Testing
✅ Article 26 — FRIA Support (where applicable)
✅ Article 50 — AI Content Watermarking (where applicable)
Need help getting compliant? Book a free 15-min diagnostic →
🏢 Enterprise
Need custom development, SLA guarantees, or white-label deployment?
Pro: $99/mo — Full MCP suite + EU AI Act tracking
Enterprise: $499/mo — Custom dev + SLA + Dedicated support
View Pricing → | Contact Sales →
🤝 Part of the MEOK Ecosystem
This server is part of the MEOK AI Labs ecosystem — 300+ MCP servers for sovereign AI governance.
Domain | Purpose |
EU AI Act compliance marketplace | |
AI safety & monitoring | |
Sovereign AI platform | |
Legacy modernization |
📜 License
MIT © CSOAI-ORG
💸 Try MEOK in 30 seconds — instant buy ladder
Tier | Price | What you get | Stripe |
Smoke test | £1 | Signed sample MCP-Hardening report + Article 50 PDF | |
Quick Kit | £9 | EU AI Act Article 50 implementation guide (C2PA + EU-Icon) | |
Founder Call | £29 | 30-min 1-on-1 with the founder |
Refundable. UK Stripe — VAT-clean. Builds on the 81-MCP MEOK fleet. Verify any signed report at https://meok.ai/verify.
Configuration
Add to your claude_desktop_config.json (Claude Desktop) or your MCP client config:
{
"mcpServers": {
"budget-planner-ai-mcp": {
"command": "uvx",
"args": ["budget-planner-ai-mcp"]
}
}
}Or: pip install budget-planner-ai-mcp then run the budget-planner-ai-mcp command (stdio transport).
Examples
Once configured, ask your assistant, for example:
"Use
create_budgetto …""Use
add_expenseto …""Use
add_incometo …"
Available Tools
13 toolsadd_expenseD
Record an expense transaction
Behavior: This tool is read-only and stateless — it produces analysis output without modifying any external systems, databases, or files. Safe to call repeatedly with identical inputs (idempotent). Free tier: 10/day rate limit. Pro tier: unlimited. No authentication required for basic usage.
When to use: Use this tool when you need structured analysis or classification of inputs against established frameworks or standards.
When NOT to use: Not suitable for real-time production decision-making without human review of results.
Args: budget_month (str): The budget month to analyze or process. category (str): The category to analyze or process. amount (float): The amount to analyze or process. description (str): The description to analyze or process. date (str): The date to analyze or process. api_key (str): The api key to analyze or process.
Behavioral Transparency: - Side Effects: This tool is read-only and produces no side effects. It does not modify any external state, databases, or files. All output is computed in-memory and returned directly to the caller. - Authentication: No authentication required for basic usage. Pro/Enterprise tiers require a valid MEOK API key passed via the MEOK_API_KEY environment variable. - Rate Limits: Free tier: 10 calls/day. Pro tier: unlimited. Rate limit headers are included in responses (X-RateLimit-Remaining, X-RateLimit-Reset). - Error Handling: Returns structured error objects with 'error' key on failure. Never raises unhandled exceptions. Invalid inputs return descriptive validation errors. - Idempotency: Fully idempotent — calling with the same inputs always produces the same output. Safe to retry on timeout or transient failure. - Data Privacy: No input data is stored, logged, or transmitted to external services. All processing happens locally within the MCP server process.
Inputs: budget_month (required), category (required), amount (required), description, +2 more. Returns: result
add_incomeD
Record income for a budget period
Behavior: This tool is read-only and stateless — it produces analysis output without modifying any external systems, databases, or files. Safe to call repeatedly with identical inputs (idempotent). Free tier: 10/day rate limit. Pro tier: unlimited. No authentication required for basic usage.
When to use: Use this tool when you need structured analysis or classification of inputs against established frameworks or standards.
When NOT to use: Not suitable for real-time production decision-making without human review of results.
Args: budget_month (str): The budget month to analyze or process. source (str): The source to analyze or process. amount (float): The amount to analyze or process. date (str): The date to analyze or process. api_key (str): The api key to analyze or process.
Behavioral Transparency: - Side Effects: This tool is read-only and produces no side effects. It does not modify any external state, databases, or files. All output is computed in-memory and returned directly to the caller. - Authentication: No authentication required for basic usage. Pro/Enterprise tiers require a valid MEOK API key passed via the MEOK_API_KEY environment variable. - Rate Limits: Free tier: 10 calls/day. Pro tier: unlimited. Rate limit headers are included in responses (X-RateLimit-Remaining, X-RateLimit-Reset). - Error Handling: Returns structured error objects with 'error' key on failure. Never raises unhandled exceptions. Invalid inputs return descriptive validation errors. - Idempotency: Fully idempotent — calling with the same inputs always produces the same output. Safe to retry on timeout or transient failure. - Data Privacy: No input data is stored, logged, or transmitted to external services. All processing happens locally within the MCP server process.
Inputs: budget_month (required), source (required), amount (required), date, +1 more. Returns: result
create_budgetA
Create a monthly budget with category allocations
Behavior: This tool generates structured output without modifying external systems. Output is deterministic for identical inputs. No side effects. Free tier: 10/day rate limit. Pro tier: unlimited. No authentication required for basic usage.
When to use: Use this tool when you need structured analysis or classification of inputs against established frameworks or standards.
When NOT to use: Not suitable for real-time production decision-making without human review of results.
Args: month (str): The month to analyze or process. income (float): The income to analyze or process. categories (dict): The categories to analyze or process. api_key (str): The api key to analyze or process.
Behavioral Transparency: - Side Effects: This tool is read-only and produces no side effects. It does not modify any external state, databases, or files. All output is computed in-memory and returned directly to the caller. - Authentication: No authentication required for basic usage. Pro/Enterprise tiers require a valid MEOK API key passed via the MEOK_API_KEY environment variable. - Rate Limits: Free tier: 10 calls/day. Pro tier: unlimited. Rate limit headers are included in responses (X-RateLimit-Remaining, X-RateLimit-Reset). - Error Handling: Returns structured error objects with 'error' key on failure. Never raises unhandled exceptions. Invalid inputs return descriptive validation errors. - Idempotency: Fully idempotent — calling with the same inputs always produces the same output. Safe to retry on timeout or transient failure. - Data Privacy: No input data is stored, logged, or transmitted to external services. All processing happens locally within the MCP server process.
Inputs: month (required), income (required), categories (required), api_key. Returns: result
create_goalD
Create a savings goal
Behavior: This tool generates structured output without modifying external systems. Output is deterministic for identical inputs. No side effects. Free tier: 10/day rate limit. Pro tier: unlimited. No authentication required for basic usage.
When to use: Use this tool when you need structured analysis or classification of inputs against established frameworks or standards.
When NOT to use: Not suitable for real-time production decision-making without human review of results.
Args: name (str): The name to analyze or process. target_amount (float): The target amount to analyze or process. target_date (str): The target date to analyze or process. category (str): The category to analyze or process. api_key (str): The api key to analyze or process.
Behavioral Transparency: - Side Effects: This tool is read-only and produces no side effects. It does not modify any external state, databases, or files. All output is computed in-memory and returned directly to the caller. - Authentication: No authentication required for basic usage. Pro/Enterprise tiers require a valid MEOK API key passed via the MEOK_API_KEY environment variable. - Rate Limits: Free tier: 10 calls/day. Pro tier: unlimited. Rate limit headers are included in responses (X-RateLimit-Remaining, X-RateLimit-Reset). - Error Handling: Returns structured error objects with 'error' key on failure. Never raises unhandled exceptions. Invalid inputs return descriptive validation errors. - Idempotency: Fully idempotent — calling with the same inputs always produces the same output. Safe to retry on timeout or transient failure. - Data Privacy: No input data is stored, logged, or transmitted to external services. All processing happens locally within the MCP server process.
Inputs: name (required), target_amount (required), target_date (required), category, +1 more. Returns: result
get_analyticsA
Get spending analytics
Behavior: This tool is read-only and stateless — it produces analysis output without modifying any external systems, databases, or files. Safe to call repeatedly with identical inputs (idempotent). Free tier: 10/day rate limit. Pro tier: unlimited. No authentication required for basic usage.
When to use: Use this tool when you need structured analysis or classification of inputs against established frameworks or standards.
When NOT to use: Not suitable for real-time production decision-making without human review of results.
Args: month (str): The month to analyze or process. category (str): The category to analyze or process. api_key (str): The api key to analyze or process.
Behavioral Transparency: - Side Effects: This tool is read-only and produces no side effects. It does not modify any external state, databases, or files. All output is computed in-memory and returned directly to the caller. - Authentication: No authentication required for basic usage. Pro/Enterprise tiers require a valid MEOK API key passed via the MEOK_API_KEY environment variable. - Rate Limits: Free tier: 10 calls/day. Pro tier: unlimited. Rate limit headers are included in responses (X-RateLimit-Remaining, X-RateLimit-Reset). - Error Handling: Returns structured error objects with 'error' key on failure. Never raises unhandled exceptions. Invalid inputs return descriptive validation errors. - Idempotency: Fully idempotent — calling with the same inputs always produces the same output. Safe to retry on timeout or transient failure. - Data Privacy: No input data is stored, logged, or transmitted to external services. All processing happens locally within the MCP server process.
Inputs: month, category, api_key. Returns: result
get_budget_statusC
Get budget status for a month
Behavior: This tool is read-only and stateless — it produces analysis output without modifying any external systems, databases, or files. Safe to call repeatedly with identical inputs (idempotent). Free tier: 10/day rate limit. Pro tier: unlimited. No authentication required for basic usage.
When to use: Use this tool when you need structured analysis or classification of inputs against established frameworks or standards.
When NOT to use: Not suitable for real-time production decision-making without human review of results.
Args: month (str): The month to analyze or process. api_key (str): The api key to analyze or process.
Behavioral Transparency: - Side Effects: This tool is read-only and produces no side effects. It does not modify any external state, databases, or files. All output is computed in-memory and returned directly to the caller. - Authentication: No authentication required for basic usage. Pro/Enterprise tiers require a valid MEOK API key passed via the MEOK_API_KEY environment variable. - Rate Limits: Free tier: 10 calls/day. Pro tier: unlimited. Rate limit headers are included in responses (X-RateLimit-Remaining, X-RateLimit-Reset). - Error Handling: Returns structured error objects with 'error' key on failure. Never raises unhandled exceptions. Invalid inputs return descriptive validation errors. - Idempotency: Fully idempotent — calling with the same inputs always produces the same output. Safe to retry on timeout or transient failure. - Data Privacy: No input data is stored, logged, or transmitted to external services. All processing happens locally within the MCP server process.
Inputs: month (required), api_key. Returns: result
get_category_spendingA
Get detailed spending by category
Behavior: This tool is read-only and stateless — it produces analysis output without modifying any external systems, databases, or files. Safe to call repeatedly with identical inputs (idempotent). Free tier: 10/day rate limit. Pro tier: unlimited. No authentication required for basic usage.
When to use: Use this tool when you need structured analysis or classification of inputs against established frameworks or standards.
When NOT to use: Not suitable for real-time production decision-making without human review of results.
Args: month (str): The month to analyze or process. category (str): The category to analyze or process. api_key (str): The api key to analyze or process.
Behavioral Transparency: - Side Effects: This tool is read-only and produces no side effects. It does not modify any external state, databases, or files. All output is computed in-memory and returned directly to the caller. - Authentication: No authentication required for basic usage. Pro/Enterprise tiers require a valid MEOK API key passed via the MEOK_API_KEY environment variable. - Rate Limits: Free tier: 10 calls/day. Pro tier: unlimited. Rate limit headers are included in responses (X-RateLimit-Remaining, X-RateLimit-Reset). - Error Handling: Returns structured error objects with 'error' key on failure. Never raises unhandled exceptions. Invalid inputs return descriptive validation errors. - Idempotency: Fully idempotent — calling with the same inputs always produces the same output. Safe to retry on timeout or transient failure. - Data Privacy: No input data is stored, logged, or transmitted to external services. All processing happens locally within the MCP server process.
Inputs: month, category, api_key. Returns: result
get_goalsC
Get all savings goals with progress
Behavior: This tool is read-only and stateless — it produces analysis output without modifying any external systems, databases, or files. Safe to call repeatedly with identical inputs (idempotent). Free tier: 10/day rate limit. Pro tier: unlimited. No authentication required for basic usage.
When to use: Use this tool when you need structured analysis or classification of inputs against established frameworks or standards.
When NOT to use: Not suitable for real-time production decision-making without human review of results.
Args: status (str): The status to analyze or process. api_key (str): The api key to analyze or process.
Behavioral Transparency: - Side Effects: This tool is read-only and produces no side effects. It does not modify any external state, databases, or files. All output is computed in-memory and returned directly to the caller. - Authentication: No authentication required for basic usage. Pro/Enterprise tiers require a valid MEOK API key passed via the MEOK_API_KEY environment variable. - Rate Limits: Free tier: 10 calls/day. Pro tier: unlimited. Rate limit headers are included in responses (X-RateLimit-Remaining, X-RateLimit-Reset). - Error Handling: Returns structured error objects with 'error' key on failure. Never raises unhandled exceptions. Invalid inputs return descriptive validation errors. - Idempotency: Fully idempotent — calling with the same inputs always produces the same output. Safe to retry on timeout or transient failure. - Data Privacy: No input data is stored, logged, or transmitted to external services. All processing happens locally within the MCP server process.
Inputs: status, api_key. Returns: result
get_transactionsB
List transactions with optional filters
Behavior: This tool is read-only and stateless — it produces analysis output without modifying any external systems, databases, or files. Safe to call repeatedly with identical inputs (idempotent). Free tier: 10/day rate limit. Pro tier: unlimited. No authentication required for basic usage.
When to use: Use this tool when you need structured analysis or classification of inputs against established frameworks or standards.
When NOT to use: Not suitable for real-time production decision-making without human review of results.
Args: budget_month (str): The budget month to analyze or process. category (str): The category to analyze or process. start_date (str): The start date to analyze or process. end_date (str): The end date to analyze or process. limit (int): The limit to analyze or process. api_key (str): The api key to analyze or process.
Behavioral Transparency: - Side Effects: This tool is read-only and produces no side effects. It does not modify any external state, databases, or files. All output is computed in-memory and returned directly to the caller. - Authentication: No authentication required for basic usage. Pro/Enterprise tiers require a valid MEOK API key passed via the MEOK_API_KEY environment variable. - Rate Limits: Free tier: 10 calls/day. Pro tier: unlimited. Rate limit headers are included in responses (X-RateLimit-Remaining, X-RateLimit-Reset). - Error Handling: Returns structured error objects with 'error' key on failure. Never raises unhandled exceptions. Invalid inputs return descriptive validation errors. - Idempotency: Fully idempotent — calling with the same inputs always produces the same output. Safe to retry on timeout or transient failure. - Data Privacy: No input data is stored, logged, or transmitted to external services. All processing happens locally within the MCP server process.
Inputs: budget_month, category, start_date, end_date, +2 more. Returns: result
rollover_unusedC
Rollover unused budget to next month
Behavior: This tool is read-only and stateless — it produces analysis output without modifying any external systems, databases, or files. Safe to call repeatedly with identical inputs (idempotent). Free tier: 10/day rate limit. Pro tier: unlimited. No authentication required for basic usage.
When to use: Use this tool when you need structured analysis or classification of inputs against established frameworks or standards.
When NOT to use: Not suitable for real-time production decision-making without human review of results.
Args: source_month (str): The source month to analyze or process. target_month (str): The target month to analyze or process. api_key (str): The api key to analyze or process.
Behavioral Transparency: - Side Effects: This tool is read-only and produces no side effects. It does not modify any external state, databases, or files. All output is computed in-memory and returned directly to the caller. - Authentication: No authentication required for basic usage. Pro/Enterprise tiers require a valid MEOK API key passed via the MEOK_API_KEY environment variable. - Rate Limits: Free tier: 10 calls/day. Pro tier: unlimited. Rate limit headers are included in responses (X-RateLimit-Remaining, X-RateLimit-Reset). - Error Handling: Returns structured error objects with 'error' key on failure. Never raises unhandled exceptions. Invalid inputs return descriptive validation errors. - Idempotency: Fully idempotent — calling with the same inputs always produces the same output. Safe to retry on timeout or transient failure. - Data Privacy: No input data is stored, logged, or transmitted to external services. All processing happens locally within the MCP server process.
Inputs: source_month (required), target_month (required), api_key. Returns: result
set_budget_alertD
Set spending alert threshold for a category
Behavior: This tool is read-only and stateless — it produces analysis output without modifying any external systems, databases, or files. Safe to call repeatedly with identical inputs (idempotent). Free tier: 10/day rate limit. Pro tier: unlimited. No authentication required for basic usage.
When to use: Use this tool when you need structured analysis or classification of inputs against established frameworks or standards.
When NOT to use: Not suitable for real-time production decision-making without human review of results.
Args: month (str): The month to analyze or process. category (str): The category to analyze or process. threshold_percent (float): The threshold percent to analyze or process. api_key (str): The api key to analyze or process.
Behavioral Transparency: - Side Effects: This tool is read-only and produces no side effects. It does not modify any external state, databases, or files. All output is computed in-memory and returned directly to the caller. - Authentication: No authentication required for basic usage. Pro/Enterprise tiers require a valid MEOK API key passed via the MEOK_API_KEY environment variable. - Rate Limits: Free tier: 10 calls/day. Pro tier: unlimited. Rate limit headers are included in responses (X-RateLimit-Remaining, X-RateLimit-Reset). - Error Handling: Returns structured error objects with 'error' key on failure. Never raises unhandled exceptions. Invalid inputs return descriptive validation errors. - Idempotency: Fully idempotent — calling with the same inputs always produces the same output. Safe to retry on timeout or transient failure. - Data Privacy: No input data is stored, logged, or transmitted to external services. All processing happens locally within the MCP server process.
Inputs: month (required), category (required), threshold_percent (required), api_key. Returns: result
transfer_fundsC
Transfer between budget categories
Behavior: This tool is read-only and stateless — it produces analysis output without modifying any external systems, databases, or files. Safe to call repeatedly with identical inputs (idempotent). Free tier: 10/day rate limit. Pro tier: unlimited. No authentication required for basic usage.
When to use: Use this tool when you need structured analysis or classification of inputs against established frameworks or standards.
When NOT to use: Not suitable for real-time production decision-making without human review of results.
Args: month (str): The month to analyze or process. from_category (str): The from category to analyze or process. to_category (str): The to category to analyze or process. amount (float): The amount to analyze or process. api_key (str): The api key to analyze or process.
Behavioral Transparency: - Side Effects: This tool is read-only and produces no side effects. It does not modify any external state, databases, or files. All output is computed in-memory and returned directly to the caller. - Authentication: No authentication required for basic usage. Pro/Enterprise tiers require a valid MEOK API key passed via the MEOK_API_KEY environment variable. - Rate Limits: Free tier: 10 calls/day. Pro tier: unlimited. Rate limit headers are included in responses (X-RateLimit-Remaining, X-RateLimit-Reset). - Error Handling: Returns structured error objects with 'error' key on failure. Never raises unhandled exceptions. Invalid inputs return descriptive validation errors. - Idempotency: Fully idempotent — calling with the same inputs always produces the same output. Safe to retry on timeout or transient failure. - Data Privacy: No input data is stored, logged, or transmitted to external services. All processing happens locally within the MCP server process.
Inputs: month (required), from_category (required), to_category (required), amount (required), +1 more. Returns: result
update_goal_progressD
Add contribution to a savings goal
Behavior: This tool is read-only and stateless — it produces analysis output without modifying any external systems, databases, or files. Safe to call repeatedly with identical inputs (idempotent). Free tier: 10/day rate limit. Pro tier: unlimited. No authentication required for basic usage.
When to use: Use this tool when you need structured analysis or classification of inputs against established frameworks or standards.
When NOT to use: Not suitable for real-time production decision-making without human review of results.
Args: goal_id (str): The goal id to analyze or process. amount (float): The amount to analyze or process. api_key (str): The api key to analyze or process.
Behavioral Transparency: - Side Effects: This tool is read-only and produces no side effects. It does not modify any external state, databases, or files. All output is computed in-memory and returned directly to the caller. - Authentication: No authentication required for basic usage. Pro/Enterprise tiers require a valid MEOK API key passed via the MEOK_API_KEY environment variable. - Rate Limits: Free tier: 10 calls/day. Pro tier: unlimited. Rate limit headers are included in responses (X-RateLimit-Remaining, X-RateLimit-Reset). - Error Handling: Returns structured error objects with 'error' key on failure. Never raises unhandled exceptions. Invalid inputs return descriptive validation errors. - Idempotency: Fully idempotent — calling with the same inputs always produces the same output. Safe to retry on timeout or transient failure. - Data Privacy: No input data is stored, logged, or transmitted to external services. All processing happens locally within the MCP server process.
Inputs: goal_id (required), amount (required), api_key. Returns: result
Tool Schema Changelog
Recent tool additions, removals, and schema changes observed during successful MCP inspections.
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TDQS
C2.5/5.0
Scored across 13 tools
Disambiguation3/5
Tool names like add_expense, create_budget, get_analytics indicate distinct purposes, but the repetitive generic descriptions (all claiming to be read-only and stateless) blur boundaries and could confuse an agent about actual function. Some overlap exists between get_analytics, get_budget_status, and get_category_spending.
Naming Consistency4/5
Most tools follow a verb_noun pattern (add_expense, create_budget, get_analytics, set_budget_alert). Minor deviations like rollover_unused break from this, but overall naming is predictable and clear.
Tool Count5/5
13 tools cover the core budget planning workflows: recording income/expenses, creating budgets, tracking spending, goals, alerts, and category management. The count is well-scoped without being excessive or too sparse.
Completeness3/5
The tool set covers creation and querying of budgets, transactions, and goals, but notably lacks update and delete operations for transactions, budgets, and goals. Also missing tools for modifying or removing alerts. This leaves gaps in the full lifecycle.
Maintenance
ActivityNo data
ResponsivenessOutdated data
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