Personal Finance MCP Server

A comprehensive Model Context Protocol (MCP) server for personal finance and budget management. Track expenses, manage budgets, monitor financial goals, and gain insights into your spending patterns through AI assistants.

🚀 Features

6 Powerful Tools

1. add_transaction - Record income and expenses with categorization
2. get_spending_summary - Analyze spending patterns by time period and category
3. manage_budget - Create and track monthly budget limits with overspend alerts
4. track_financial_goal - Set and monitor progress toward financial goals
5. analyze_spending_patterns - Deep insights into spending behavior and trends
6. manage_accounts - Handle multiple accounts (checking, savings, credit, etc.)

Key Capabilities

• 💰 Transaction Management: Record income and expenses with rich metadata
• 📊 Budget Tracking: Set monthly limits and get real-time budget alerts
• 🎯 Goal Setting: Track progress toward savings and financial milestones
• 📈 Smart Analytics: Monthly trends, category breakdowns, and spending insights
• 💳 Multi-Account Support: Manage checking, savings, credit, investment accounts
• 🔒 Local Data: All data stored locally in SQLite - complete privacy

🎨 Premium Features

This is a freemium MCP server. Basic functionality is free, with premium features available:

Free Tier

• ✅ Up to 100 transactions per month
• ✅ 5 budget categories
• ✅ 3 financial goals
• ✅ Basic spending summaries
• ✅ Single account

Premium Tier ($12/month)

• 🚀 Unlimited transactions and accounts
• 🚀 Advanced analytics with trend forecasting
• 🚀 Custom reporting and data export
• 🚀 Goal achievement insights and recommendations
• 🚀 Multi-currency support
• 🚀 Automated transaction categorization
• 🚀 Integration with bank APIs (planned)

📦 Installation

npm install @leviai/personal-finance-mcp

Or run directly:

npx @leviai/personal-finance-mcp

🔧 Setup

Claude Desktop

Add to your claude_desktop_config.json:

{
  "mcpServers": {
    "personal-finance": {
      "command": "npx",
      "args": ["@leviai/personal-finance-mcp"]
    }
  }
}

Cursor IDE

Add to your MCP settings:

{
  "personal-finance": {
    "command": "npx",
    "args": ["@leviai/personal-finance-mcp"]
  }
}

💡 Usage Examples

Record a Transaction

Add a $50 expense for groceries at Whole Foods to my main account

Check Budget Status

Show me my budget status for this month

Set a Financial Goal

Create a vacation fund goal of $3000 by December 2024

Analyze Spending

Analyze my spending patterns for the last 6 months

Get Monthly Summary

Show me my income vs expenses for this month

🗄️ Data Storage

All financial data is stored locally in SQLite (finance.db). The database includes:

• transactions - Income and expense records
• budgets - Monthly spending limits by category
• financial_goals - Savings and spending targets
• accounts - Multiple account management

🔐 Privacy & Security

• 🔒 100% Local: All data stays on your machine
• 🚫 No Cloud Sync: No data transmitted to external servers
• 🗂️ Portable: Easily backup or migrate your finance.db file
• 🛡️ Open Source: Full transparency of data handling

🏗️ Architecture

Built with modern Node.js and MCP SDK:

• Runtime: Node.js 18+
• Protocol: Model Context Protocol 1.0
• Database: SQLite3 for reliability and portability
• Transport: stdio (standard in Claude Desktop, Cursor)

🤝 Contributing

This is part of the @leviai MCP server ecosystem. Contributions welcome!

1. Fork the repository
2. Create a feature branch
3. Make your changes
4. Add tests
5. Submit a pull request

📄 License

MIT License - see LICENSE file for details

🌟 Why This Exists

Personal finance management is broken in AI assistants. Existing tools are either:

• Too basic (just expense tracking)
• Too complex (enterprise accounting software)
• Privacy-invasive (cloud-first with data mining)

This MCP server bridges the gap, providing comprehensive personal finance tools that work seamlessly with AI assistants while keeping your data completely private.

🔮 Roadmap

• [ ] Bank API integrations for automatic transaction import
• [ ] Multi-currency support
• [ ] Advanced forecasting and trend analysis
• [ ] Bill reminder and recurring transaction tracking
• [ ] Investment portfolio tracking
• [ ] Tax preparation assistance
• [ ] Financial health scoring

Built by Levi AI | GitHub | Support