Read-only Lunch Money MCP for ChatGPT

A single-user remote MCP server for Lunch Money, designed for ChatGPT Business and deployed on Cloudflare Workers. It uses Google OAuth only to identify an allowlisted user; the Lunch Money API token is stored as a Cloudflare encrypted secret and is never returned to ChatGPT or an MCP tool.

This project was originally based on the bm1549/lunchmoney-mcp-cloudflare project and has been adapted into a read-only Lunch Money MCP template for Cloudflare Workers and ChatGPT. The bundled upstream implementation is retained under vendor-lunchmoney-mcp, including its original MIT license and attribution. Thanks to Brian Marks for the original work.

This repository is a template. It contains no live deployment URL, API token, Google OAuth secret, email address, or Cloudflare resource ID.

What makes it read-only

The server enforces read-only access in two independent layers:

1. createReadonlyServer() exposes a positive allowlist of 25 retrieval tools. Create, update, delete, upload, sync, refresh, split, grouping, and budget mutation tools are not registered.

2. runWithReadonlyConfig() rejects any non-GET request to the Lunch Money API before a network request is made.

All exposed tools declare readOnlyHint: true, destructiveHint: false, and openWorldHint: false.

Requirements

• A Lunch Money API token

• A Cloudflare account with Workers and KV available

• A Google Cloud OAuth 2.0 web client

• A ChatGPT Business workspace where you are an admin or owner

Deploy your own copy

1. Clone this repository, then install and verify dependencies:

   npm install
   npm run typecheck
   npm run lint
   npm run test:readonly

2. In wrangler.jsonc, choose a unique Worker name and create the OAuth KV namespace:

   npx wrangler kv namespace create OAUTH_KV

   Copy the returned namespace ID into REPLACE_WITH_OAUTH_KV_NAMESPACE_ID in wrangler.jsonc.

3. Deploy once to obtain your Worker URL:

   npx wrangler deploy

4. Create a Google OAuth 2.0 Web application. Add this redirect URI, replacing the host with your Worker URL:

   https://YOUR-WORKER.YOUR-SUBDOMAIN.workers.dev/authorize/callback

5. Set the production secrets interactively. Never put their values in Git:

   npx wrangler secret put GOOGLE_CLIENT_ID
   npx wrangler secret put GOOGLE_CLIENT_SECRET
   npx wrangler secret put ALLOWED_EMAILS
   npx wrangler secret put STATE_SECRET
   npx wrangler secret put LUNCHMONEY_API_TOKEN

   ALLOWED_EMAILS is a comma-separated list of Google accounts allowed to connect. The server fails closed when this is empty.

6. Deploy again. Your MCP endpoint is:

   https://YOUR-WORKER.YOUR-SUBDOMAIN.workers.dev/mcp

Connect ChatGPT Business

1. In ChatGPT, open Workspace settings → Apps → Create.

2. Enter the /mcp endpoint above and choose OAuth authentication.

3. Review the custom-app warning, create the draft, then publish and enable it.

4. Each user connects from Settings → Plugins → [your app] → Connect and signs in with an allowlisted Google account.

5. Start a fresh Work chat, select the app, and verify the tool list before asking it to inspect Lunch Money data.

Before making the repository public

Run:

npm run check:public-release

Also review git status, confirm .dev.vars is untracked, and ensure the Worker name, endpoint, Cloudflare resource IDs, and example documentation do not identify your personal deployment.

If you are sanitizing an existing deployment, keep its configuration outside the repository or in a gitignored wrangler.personal.jsonc file. Deploy that private configuration with npx wrangler deploy --config wrangler.personal.jsonc.

Verification

The focused security test verifies the exact allowlist, its annotations, the absence of representative mutation tools, and rejection of outbound POST requests:

npm run test:readonly

See THIRD_PARTY_NOTICES.md for attribution details.