money-manager-mcp

CLI + MCP stdio server for querying Realbyte Money Manager .mmbak backups (iPhone and Android): transaction search, spending summaries and trends, merchant/recurring analysis, and OCR full-text search over receipt photos (Traditional Chinese supported). Local-first, read-only against the backup, no raw SQL exposed to the model.

Unofficial project: this software is not affiliated with, endorsed by, or sponsored by Realbyte, the developer of Money Manager.

The two apps export different databases — iPhone a bare Core Data SQLite (Z* tables), Android a ZIP-wrapped SQLite (INOUTCOME, column names varying by app version). The schema is auto-detected and both map onto one canonical query layer. Receipt/photo tools are iPhone-only (Android backups carry no verified photo table).

Layout

Related MCP server: mmex-mcp

Install

Runtime is managed with uv (Python 3.12, pinned in .python-version; deps: mcp, rapidocr-onnxruntime):

uv sync

Without uv (e.g. in the deployment container), the script is stdlib-only for the CLI: copy src/money_manager_search.py anywhere and pip install mcp rapidocr-onnxruntime covers serve and OCR.

Usage

export MONEY_BACKUP=/path/to/backups   # dir of .mmbak files (newest wins) or one file
export MONEY_PHOTOS=/path/to/receipts  # receipt photo folder (optional, enables OCR tools)
export MONEY_INDEX=/path/to/receipt_index.db

# CLI
uv run money-manager status
uv run money-manager summary -g category -m 2024-01
uv run money-manager search -s "Example Pharmacy" -k expense
uv run money-manager ocr-index            # incremental receipt OCR
uv run money-manager receipt-search -q "green tea"

# MCP server (stdio)
uv run money-manager serve

For streamable HTTP, set MONEY_MCP_TRANSPORT=streamable-http and a non-empty MONEY_MCP_TOKEN. HTTP mode refuses to start without the token; use HTTPS via a reverse proxy when traffic leaves a trusted network.

MCP tools: search, summary, trends, merchants, duplicates, compare, recurring, backup_changes, receipts, categories, accounts, backup_status, and — when MONEY_PHOTOS/MONEY_INDEX are set — receipt_text_search, receipt_text, receipt_regex, reindex_receipts. The server re-resolves the newest .mmbak per call, so fresh uploads need no restart.

Skills

Agent-agnostic skills live in skills/ (open Agent Skills format — a folder per skill with a SKILL.md). Install them into any supported agent (Claude Code, Cursor, Codex, …) with:

npx skills add <this-repo-url>

Privacy

Backups, receipt photos, and the OCR index contain personal financial history and are gitignored. Keep them outside the repo; the backup is always opened read-only (mode=ro&immutable=1).

License

MIT