Finance MCP Server

A Model Context Protocol server exposing personal-finance tools — accounts, transactions, spending analysis, budgets, bills, reminders, portfolio, and goals — so any MCP client (Claude Desktop, Claude Code, custom agents) can query financial data through a standard interface.

The tool layer is shared with finance-copilot: same deterministic sample dataset, same eight tools, different transport — there they're wired into a bespoke agentic loop; here they're served over MCP.

Tools

Tool	Purpose
`get_accounts`	Balances across checking/savings/credit/brokerage/401(k) + net worth
`get_transactions`	Individual transactions, filterable by month and category
`analyze_spending`	Per-category monthly totals, trends, top merchants
`get_budgets`	Budget vs. actual for the current month with over/under status
`get_bills`	Recurring bills with next due dates and due-soon flags
`set_bill_reminder`	Create a reminder N days before a bill is due
`get_portfolio`	Holdings, gains/losses, asset allocation
`get_financial_goals`	Savings goals with progress + income/risk profile

Setup

python3 -m venv .venv && .venv/bin/pip install -r requirements.txt
.venv/bin/python test_client.py   # smoke test: lists tools, calls three

If pip tries to compile cryptography from source (Anaconda x86_64 Python without a matching wheel), create the venv with python3 -m venv .venv --system-site-packages to reuse the system copy.

Connect a client

Claude Code:

claude mcp add finance -- /path/to/finance-mcp-server/.venv/bin/python /path/to/finance-mcp-server/server.py

Claude Desktop (claude_desktop_config.json):

{
  "mcpServers": {
    "finance": {
      "command": "/path/to/finance-mcp-server/.venv/bin/python",
      "args": ["/path/to/finance-mcp-server/server.py"]
    }
  }
}

Then ask: "How am I tracking against my budget this month?" — the client discovers the tools automatically and the model calls them as needed.

Design notes

FastMCP generates tool schemas from Python type hints and docstrings — the schemas stay in sync with the code by construction.
stdio transport — the client spawns the server as a subprocess; no ports, no network exposure.
Demo data — finance_data.py generates a deterministic fake bank (fixed seed). Swap it for a real aggregator (e.g. Plaid) to serve live data; the MCP surface doesn't change.
test_client.py doubles as a minimal example of driving an MCP server programmatically with the Python SDK.