Finlynq

Two ways to use Finlynq: a free managed cloud at finlynq.com/cloud, or self-host with Docker.

Open-source personal finance with a first-party MCP server (54 HTTP / 89 stdio tools) so Claude, ChatGPT, Cursor, etc. can query and manage your finances.

Track your money here, analyze it anywhere.

Quick start — hosted

finlynq.com/cloud — click, register, import a CSV. No infra to manage.

A public demo lives at finlynq.com/cloud?demo=1 (credentials pre-filled, resets nightly). Connect it to Claude by pasting https://finlynq.com/mcp into Claude → Customize → Connectors.

Related MCP server: plaid-mcp

Quick start — self-hosted

curl -O https://raw.githubusercontent.com/finlynq/finlynq/main/docker-compose.yml
docker compose up -d

Before the first up, create a sibling .env file with three secrets, each generated with openssl rand -hex 32: PF_JWT_SECRET, PF_PEPPER (≥32 chars), and PF_STAGING_KEY (≥32 chars). Compose fails fast with a clear message if any is missing. Then open http://localhost:3000 and register. App + PostgreSQL run in Docker; sensitive fields are encrypted at rest with a per-user key derived from the account password. Change the default PostgreSQL password (POSTGRES_PASSWORD in .env) before exposing the container to anything but localhost. Full setup notes at finlynq.com/self-hosted.

Features

• 100+ MCP tools (HTTP & stdio) — read & write

• AES-256-GCM envelope encryption · scrypt-derived KEK

• CSV, Excel, OFX/QFX, PDF import

• Budgets, portfolio, goals, loans

• Natural-language AI chat

• FIRE calculator & Monte Carlo sim

• Rules & auto-categorize

• Self-host or managed cloud

• REST API + MCP (HTTP & stdio · OAuth 2.1 + DCR)

• Dark mode, mobile-friendly UI

MCP server

First-party Model Context Protocol server with 54 HTTP / 89 stdio tools covering accounts, transactions, budgets, goals, loans, portfolio, subscriptions, FX rates, rules, splits, bulk edits, and file imports.

• Claude Web / Mobile / Cursor / Windsurf — OAuth 2.1 + Dynamic Client Registration. Paste https://finlynq.com/mcp into the connector setup; no config file.

• Claude Desktop (stdio) — point at mcp-server/index.ts with PF_USER_ID in the env block.

• Bearer API key — generate a pf_* token in Settings → API Keys for scripts and REST clients.

Submitted to the Anthropic Connectors Directory on 2026-05-09. Full client setup, tool catalog, and the brokerage-statement recipe live in the Connect Your AI guide.

License

AGPL v3. If you run a modified version as a network service, you owe your users the source. The hosted offering at finlynq.com/cloud runs the same code as this repo.

Building something on Finlynq that can't carry that obligation? A commercial license is available, see COMMERCIAL.md.

Donation-based. No paid tiers. If Finlynq is useful to you, GitHub Sponsors or Ko-fi keep it shipping.

Docs

• CHANGELOG.md — reverse-chronological log of every shipped change

• docs/getting-started.md — first-run setup walkthrough

• docs/faq.md — common questions

• docs/mobile-setup.md — connect the companion mobile app

• Connect Your AI guide — MCP architecture, tool catalog, and per-client setup

• CONTRIBUTING.md — branching, commit style, PR flow

• SECURITY.md — vulnerability disclosure