Personal Finance Mcp
by JosueM1109communityv1.0.0
3
A self-hosted, read-only MCP server that connects Plaid-linked bank, credit card, loan, and brokerage accounts to an MCP client for natural-language finance queries. It exposes account, balance, transaction, recurring payment, liability, investment, and institution-status data without mutating any institution state.
From the registry: Self-hosted, read-only MCP server that connects your banks and investments via Plaid.
Install & configure
Prerequisites
- requiredInstall Python 3.11+Python 3.11 or newer is required to run the server.https://www.python.org/downloads/
- requiredCreate a Plaid accountSign up for a Plaid account and choose the Trial plan.https://dashboard.plaid.com/signup
- requiredEnable Plaid productsIn Plaid Team Settings → Products, enable Transactions, Liabilities, and Investments.
- requiredObtain Plaid API credentialsIn Plaid Team Settings → API, copy your client_id and production secret.
- requiredLink your bank accountsRun the local link helper once per bank to generate PLAID access tokens, then add each printed PLAID_TOKEN_* value to your environment.
$ uvicorn link_helper:app --port 8765
Install in your client
Paste into the AI you're chatting with — it will figure out the rest
Please install the `personal-finance-mcp` MCP server into my current AI client (that's you).
Required prerequisites (do these first if not already done):
- **Install Python 3.11+** — Python 3.11 or newer is required to run the server. (https://www.python.org/downloads/)
- **Create a Plaid account** — Sign up for a Plaid account and choose the Trial plan. (https://dashboard.plaid.com/signup)
- **Enable Plaid products** — In Plaid Team Settings → Products, enable Transactions, Liabilities, and Investments.
- **Obtain Plaid API credentials** — In Plaid Team Settings → API, copy your client_id and production secret.
- **Link your bank accounts** — Run the local link helper once per bank to generate PLAID access tokens, then add each printed PLAID_TOKEN_* value to your environment. Run: `uvicorn link_helper:app --port 8765`
Canonical MCP server config (HTTP transport):
- url: `http://localhost:8000/mcp`
Note: The README provides a self-hosted HTTP MCP endpoint, started locally with `python server.py`, which serves at `/mcp`. Installation is from source: clone the repository, create a Python virtual environment, install `requirements.txt`, and populate env vars from `.env.example`. Required environment variables are PLAID_CLIENT_ID, PLAID_SECRET, and at least one PLAID_TOKEN_<BANK_NAME> access token generated via the link helper. The README recommends protecting any non-local deployment with an auth gate; no specific MCP auth header format is provided.
Add this MCP server to my current client's config in the correct format for you. If you need secrets or credentials I haven't provided, ASK me — do not invent values or leave raw placeholders. After adding it, tell me how to verify the server is connected.Note: The README provides a self-hosted HTTP MCP endpoint, started locally with `python server.py`, which serves at `/mcp`. Installation is from source: clone the repository, create a Python virtual environment, install `requirements.txt`, and populate env vars from `.env.example`. Required environment variables are PLAID_CLIENT_ID, PLAID_SECRET, and at least one PLAID_TOKEN_<BANK_NAME> access token generated via the link helper. The README recommends protecting any non-local deployment with an auth gate; no specific MCP auth header format is provided.
Tools (9)
list_accounts
Lists every account across linked banks with balances
get_balances
Returns current and available balances, optionally filtered by account
get_transactions
Returns transactions in a date range
search_transactions
Searches transactions by merchant, name, or counterparty
get_recurring_transactions
Detects recurring inflow and outflow streams
get_liabilities
Returns credit card, student loan, and mortgage details including APRs and payment info
get_investment_holdings
Returns current investment holdings with symbol and security metadata
get_investment_transactions
Returns buy, sell, and dividend history in a date range
get_institutions_status
Returns the health/status of each linked bank, including re-authentication needs
Environment variables
PLAID_CLIENT_IDrequiredPlaid API client ID used to authenticate with PlaidPLAID_SECRETrequiredPlaid API secret used to authenticate with PlaidPrerequisites
- • Python 3.11+
- • python3.11
Packages
ghcr.io/josuem1109/personal-finance-mcp:1.0.0
ocitransport: streamable-http
Details
- Language
- Python
- License
- MIT
- Released
- Apr 20, 2026
- Last commit
- Apr 20, 2026
- Registry name
- io.github.JosueM1109/personal-finance-mcp
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