★ GitHub
Free Open source · MIT OAuth 2.0

Track your money by talking to your AI.

Connect Claude or ChatGPT, then just say what you spent. Expenses, income, budgets and net worth, logged and computed for you, in any currency.

No app. No forms. No spreadsheet. Every number computed in SQL.

Claude · MyFinance connected live demo
How it works

Three steps. No app to learn.

It works the moment you connect. Your base currency comes from your first transaction, your timezone from the conversation.

Step 1 / 3

Connect once.

Works with any AI client that supports remote MCP servers: Claude, ChatGPT, Cursor and more. No install, no API keys.

Step 2 / 3

Just say what you spent.

Plain language, a receipt photo, or a whole bank statement. Categories, currencies and duplicates handled automatically.

Step 3 / 3

Ask anything.

Monthly summaries, trends, budgets, net worth. Every number is computed in SQL on the server. The AI reads the math, it never guesses it.

Examples

Try saying

Just talk to it. Each line below is a real conversation, and every result on the right was computed on the server, not guessed by the AI.

01 "Spent 20 eur on lunch" 20.00 EUR · restaurants · 180 / 300 budget
02 [receipt photo] "Log this" Lidl · 47.20 EUR · 12 line items saved
03 "Here's my June bank statement" [CSV] 152 imported · 3 merged · totals reconciled
04 "How much did I spend on restaurants in June?" 412 EUR · 18 visits · +6% vs May
05 "Set a 400 eur monthly budget for groceries" 310 / 400 EUR · 78% with 9 days left
06 "That dinner on the business card was personal" entity → personal · business report stays clean
07 "What's my net worth?" 24,300 EUR · 5 accounts · 3 currencies
Quick install

Connect in under a minute

Works with any MCP client that supports OAuth 2.0 with PKCE. On first connect you create an account; sign in the same way to keep your data.

  1. Open Claude and click Customize
  2. Click Connectors
  3. Click +, then Add custom connector
  4. Name it, for example "MyFinance"
  5. Paste https://myfinance-mcp.com/mcp into Remote MCP server URL
  6. Leave the OAuth Client ID and Client Secret fields empty
  7. Click Add, then Connect and sign in
Filling the Client ID or Secret fields breaks sign-in. Your credentials go on the MyFinance sign-in page instead.

Works on every Claude plan. The free plan allows one connected MCP server at a time.

  1. Open Settings, then Apps
  2. Click Create app
  3. Paste https://myfinance-mcp.com/mcp as the URL
  4. Choose OAuth as authentication
  5. Click Create, then sign in

Works right away and shows up in your iOS and Android apps automatically.

{
  "mcpServers": {
    "myfinance": {
      "url": "https://myfinance-mcp.com/mcp"
    }
  }
}

In Claude Code: claude mcp add --transport http myfinance https://myfinance-mcp.com/mcp
Windsurf uses serverUrl instead of url. Your client handles the OAuth login automatically.

Features

Everything, just by chatting

Few tools, forgiving inputs, sane defaults. A feature that needs a manual gets cut.

log

Plain-language logging

Say what you spent or earned; category, currency and date are extracted for you.

scan

Receipt photos

Snap a receipt; your AI parses it in the chat. Images never reach our server.

import

Bank statement import

Drop a CSV or PDF export; hundreds of rows in one call, duplicates detected, totals reconciled.

fx

Every currency

Log in whatever you paid in; summaries answer in your base currency, rate frozen at transaction date.

cap

Budgets

Monthly caps per category or overall, with live progress. Alerts only when you actually exceed one.

trend

Summaries and trends

By category, merchant or month; month-over-month deltas computed server-side.

split

Personal vs business

Tag accounts and transactions; a founder's combined view with a clean business cut for your accountant.

own

Export and own your data

Full CSV export anytime; delete your account and everything with it, instantly.

Why MyFinance MCP

Talking beats spreadsheets.

You already tried the other way. It's why you're here.

The old way

  • The spreadsheet you stopped updating in March
  • Budget app #4, another account, another subscription
  • Typing every coffee into a form
  • One currency, wrong totals

MyFinance MCP

  • Say it, snap it, or import the statement
  • Works inside Claude or ChatGPT, free
  • Math in SQL, never AI guessing
  • Any currency, honest totals
Security

Built like your money depends on it

Finance-grade by construction, not by badge.

no image storage

Receipts never leave the chat

Your AI parses photos client-side; the server receives structured numbers only. There is no image storage to breach.

eu residency

EU data residency

Postgres hosted in the EU with row-level security keyed to your account.

blind logs

Blind logs

Amounts, merchants and notes are never written to server logs. Telemetry stores event types and ids only.

oauth 2.0 + pkce

Standard authorization

OAuth 2.0 with PKCE, encrypted tokens, rate-limited sign-in.

mit license

Open source

Read the code, audit it, or self-host with your own database.

gdpr

GDPR by construction

CSV export (portability) and instant full deletion (erasure) are tools, not support tickets.

FAQ

Questions, answered

The short version. The privacy page has the long one.

What is MyFinance MCP?

A free Model Context Protocol server that lets you track expenses, income, budgets and net worth through natural conversation with Claude or ChatGPT. You tell your AI what you spent; it logs everything and the server does the math.

What is the Model Context Protocol (MCP)?

An open standard that lets AI assistants connect to external tools. An MCP server provides specific capabilities, here personal finance tracking, that the AI can use during a conversation. Think of it as a plugin system for AI assistants.

Does it work with ChatGPT?

Yes. Settings, then Apps, then create a custom app with the server URL using OAuth. Works on every ChatGPT plan.

Which clients are supported?

Any MCP client with OAuth 2.0 + PKCE: Claude.ai, Claude desktop and mobile, Claude Code, Cursor, Windsurf, VS Code.

Is it free?

Yes, free while in beta. No ads, no card.

Is my data private?

Your data is linked to your account and only you can access it. EU hosting, no third-party sharing, no amounts in logs, and you can export or delete everything at any time.

Can it read my bank account?

Not directly, by design. You log by voice, text, receipt photos or statement exports; nothing connects to your bank credentials. Direct bank sync via licensed providers is on the roadmap.

What about duplicates when I import a statement?

The importer detects rows you already logged by hand and merges them instead of duplicating, and re-importing the same statement is safe: already-imported rows are skipped and reported.

Can I split personal and business?

Yes. Accounts and individual transactions carry a personal/business tag; every report can be filtered by it, and the CSV export includes it for your accountant.

Can I self-host it?

Yes. MIT-licensed, runs from a Dockerfile with your own Postgres (Supabase works). The GitHub repository includes a self-hosting guide.

Contact

Questions or feedback?

Found a bug, want a feature, or just have a question? Email me directly. I read every message.

Show email

Start tracking in under a minute.

Free and open source. It works with the AI you already use.

MyFinance MCP is free while in beta, no ads, no card required. Built and run by Rteam.