MCP Server Documentation

Last updated: February 12, 2026

Money is a personal finance MCP server that connects AI assistants to your financial data. Query your transactions, track your net worth, create budgets, manage subscriptions, and sync your latest bank data — all through natural language.

Server Details

Server URL	`https://money.parsons.ai/api/mcp`
Transport	Streamable HTTP
Authentication	OAuth 2.1 with Dynamic Client Registration
Registry	`io.github.Parsons-ai/money`

How to Connect

Claude.ai

If Money is available in the Claude.ai connectors directory, click the connectors icon and search for "Money". OAuth authentication is handled automatically.

To add it manually as a custom connector, use the server URL above with Streamable HTTP transport.

Claude Code

claude mcp add money --transport streamable-http https://money.parsons.ai/api/mcp

Other MCP Clients

Any MCP-compatible client can connect using the server URL and Streamable HTTP transport. The server supports OAuth 2.1 with Dynamic Client Registration (DCR), so no manual API keys are needed — your client will handle the OAuth flow automatically.

OAuth discovery endpoint:

https://money.parsons.ai/.well-known/oauth-protected-resource

Authentication

Money uses OAuth 2.1 powered by Supabase. When you connect for the first time, you'll be redirected to sign in with your Money account (or create one). After granting consent, your AI assistant receives a scoped token that can only access your data.

All queries are filtered by row-level security — you can only see and modify your own financial data. No API keys or tokens to manage manually.

Tools

Tool	Type	Description
`whoami`	Read	Get your user profile, subscription status, and connected accounts summary
`schema`	Read	Get database table and column details — use this to understand the data model before querying
`query`	Read	Execute read-only SQL queries on your financial data (max 100 rows). RLS ensures you only see your own data.
`mutate`	Write	Create, update, or delete budgets, goals, reminders, subscription overrides, and other user-managed entities
`sync`	Write	Refresh your latest transactions, balances, investments, and liabilities from connected bank accounts via Plaid

What You Can Ask

Spending Analysis

"What did I spend on dining out last month?"
"Show me my top spending categories this month"
"Compare my January vs December spending"

Net Worth & Accounts

"What's my net worth?"
"How have my balances changed over the past 6 months?"
"Show all my connected accounts with balances"

Budgets & Goals

"Create a $500/month grocery budget"
"How am I tracking against my dining budget?"
"Set a savings goal of $10,000 for vacation"

Subscriptions

"Show all my recurring charges"
"How much am I spending on subscriptions per month?"
"Which subscription costs the most?"

Bank Sync

"Sync my latest transactions"
"Pull my latest data from all connected banks"

Available Data

Once you connect your bank accounts via Plaid, the following data is available to query through the MCP server:

Transactions — Full history with merchant names, amounts, dates, and categories
Accounts — Checking, savings, credit cards, investments, loans with current balances
Subscriptions — Detected recurring charges with amounts and frequency
Investments — Holdings, securities, and investment transactions
Liabilities — Credit card details, student loans, mortgages
Balance History — Daily snapshots for net worth tracking over time
Budgets & Goals — User-created budgets, savings goals, and reminders

Use the schema tool to explore the full data model at any time. Transactions and account data from Plaid are read-only. Budgets, goals, reminders, and subscription overrides (names, categories, visibility) can be created and modified via the mutate tool.

Security

Row-level security — Every query is scoped to the authenticated user. You cannot access other users' data.
Read-only SQL — The query tool only allows SELECT statements. No data modification through raw SQL.
Mutation validation — The mutate tool only allows changes to specific user-managed entities through a validated API.
HTTPS only — All connections are encrypted with TLS.
No credential exposure — Bank credentials are managed by Plaid. Access tokens are never included in query results.

Getting Started

Create a free account at money.parsons.ai
Connect your bank accounts through Plaid during onboarding
Add Money to your MCP-compatible AI assistant using the server URL above
Authenticate with your Money account when prompted
Start asking questions about your finances