finance-mcp
Local-first personal finance MCP. Aggregates bank, brokerage, credit, and loan accounts via Plaid. Writes balances, holdings, and transactions to your local Obsidian-style markdown vault. Access tokens stay in macOS Keychain. Never sends data anywhere except plaid.com.
What it does
- Link any US bank or brokerage via Plaid (Chase, Citi, Schwab, Discover, Fidelity, Wells Fargo, Bank of America, Capital One, Vanguard, Robinhood, Coinbase, student-loan servicers, 12,000+ institutions total).
- Pull live balances for every account → writes the auto-sync block in your vault's
Accounts.md.
- Pull investment holdings with shares, cost basis, current value → writes
Investments.md.
- Pull transactions cursor-style (delta only after first sync) → stores in local SQLite.
- Roll up monthly cash flow by category → writes
Cash Flow.md.
- Pull liabilities (credit-card APRs, statement balances, student-loan payoff info).
- Audit log every Plaid call and every keychain access.
Why local-first matters
Most personal-finance SaaS (Mint, Copilot, YNAB, Monarch) puts your bank data on their servers and charges you for the privilege. This MCP:
- Runs on your laptop, talks directly to Plaid, writes to your local vault.
- Stores access tokens in macOS Keychain, not env files or any database.
- Never returns access tokens in tool responses — items are referenced by alias (
chase, citi, etc.).
- Vault data is plain markdown with inline Dataview fields — your data, your format, queryable forever.
Install
Open Claude Code, paste:
/plugin marketplace add adelaidasofia/finance-mcp
/plugin install finance-mcp@finance-mcp
Requires macOS (for Keychain) and Python 3.11+. After install, set your Plaid credentials in .env at the plugin root (see SETUP.md for the Plaid signup walkthrough).
First-time use
If it shows blockers, follow them. Once green:
> link_start(institution_alias="chase")
Open the returned link_token in Plaid's Link demo page (paste the token in the field labeled "Link Token", then click "Open Plaid Link"). Complete bank auth in the browser. Copy the public_token from the success page.
> link_complete(institution_alias="chase", public_token="public-sandbox-...")
Repeat for each bank.
> sync_balances
> sync_holdings
> sync_transactions
> rollup_month(month="2026-05")
Your vault's Accounts.md, Investments.md, and Cash Flow.md now have auto-sync blocks with current data. Re-run any time.
| Tool | What it does |
|---|
healthcheck | Verify Plaid creds, vault path, keychain access. |
link_start(alias) | Start linking a new bank. Returns link_token. |
link_complete(alias, public_token) | Exchange public_token, store in Keychain. |
list_linked | List linked institutions + last-sync timestamps. |
unlink(alias) | Remove an institution. Revokes Plaid item + deletes Keychain entry. |
sync_balances([alias]) | Pull current balances → Accounts.md. |
sync_holdings([alias]) | Pull investment positions → Investments.md. |
sync_transactions([alias]) | Cursor-based transaction sync → SQLite. |
sync_liabilities([alias]) | Pull credit + loan details. |
sync_all([alias]) | All of the above in sequence. |
rollup_month(month) | Compute monthly income/expense rollup → Cash Flow.md. |
audit_tail(n) | Last N audit-log entries. |
Security model
- Plaid
access_token lives in macOS Keychain (security CLI), service name finance-mcp, account name = your institution alias.
- Plaid
client_id + secret live in .env (chmod 600). Never committed (in .gitignore).
- Transaction history lives in SQLite at
~/.claude/finance-mcp/data.db (not in your vault).
- Vault writes only happen inside the configured
FINANCE_MCP_FINANCE_FOLDER. Set to empty string to disable vault writes entirely.
- Audit log records every Plaid call and every keychain operation.
- Tool responses never include raw access tokens.
Plaid environments
- sandbox (default): fake banks, fake credentials (
user_good / pass_good). Free forever. Use this first.
- development: real banks, free up to 100 items per Plaid account. Use this for personal accounts.
- production: real banks at scale. Requires a Plaid application + paid plan.
Set via PLAID_ENV in .env. Switch by re-linking all institutions (tokens are environment-bound).
Companion MCPs
jkoelker/schwab-mcp — Direct Charles Schwab Trader API for options, trade placement, and deep position data beyond what Plaid exposes.tomasgesino/schwab-mcp — Schwab wheel-strategy management with dry-run-default trading.
finance-mcp covers Schwab basic balances and holdings via Plaid; the above are the route for Schwab power-user features.
Telemetry
This plugin sends a single anonymous install signal to myceliumai.co the first time it loads in a Claude Code session on a given machine.
What is sent:
- Plugin name (e.g.
slack-mcp)
- Plugin version (e.g.
0.1.0)
What is NOT sent:
- No user identifiers, names, emails, tokens, or API keys
- No file paths, message content, or anything from your work
- No IP address is stored after dedup processing
Why: Helps the maintainer know which plugins people actually install, so attention goes to the ones that get used.
Opt out: Set the environment variable MYCELIUM_NO_PING=1 before launching Claude Code. The hook will skip the network call entirely. Already-pinged installs leave a sentinel at ~/.mycelium/onboarded-<plugin> — delete it if you want to reset state.
License
MIT. See LICENSE.
Legacy install (manual)
For users who can't use the plugin marketplace yet, the manual flow:
git clone https://github.com/adelaidasofia/finance-mcp ~/.claude/finance-mcp
cd ~/.claude/finance-mcp
pip3 install --break-system-packages -r requirements.txt
cp .env.example .env
chmod 600 .env
Then register with Claude Code by adding to your vault's .mcp.json (project scope) or ~/.claude.json (user scope, via claude mcp add):
"finance": {
"type": "stdio",
"command": "python3",
"args": ["-m", "finance_mcp.server"],
"env": {
"PYTHONPATH": "/Users/<you>/.claude/finance-mcp",
"FINANCE_MCP_VAULT_PATH": "/Users/<you>/Documents/MyVault",
"FINANCE_MCP_FINANCE_FOLDER": "Finance"
}
}
Restart Claude Code. Tools appear under mcp__finance__*.
Built by Adelaida Diaz-Roa. Full install or team version at diazroa.com.