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.

Related MCP server: MCP Agent - AI Expense Tracker

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

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

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

License

MIT - Rteam FZE LLC