Local-first personal finance MCP

io.github.adelaidasofiaPublished by GitHub account adelaidasofiav0.1.0Updated Oct 24, 2026

Local-first personal finance MCP. Aggregates bank, brokerage, credit, and loan accounts via Plaid.…

The publisher's own server: Finance Foundation

VerifiedSTDIODesktop onlyFiles & StorageFinanceData & Analytics

Overview

AI-generated overview

Aggregates bank, brokerage, credit, and loan accounts through Plaid and writes balances, holdings, and transactions into a local markdown vault.

What you can do
Links US financial institutions through Plaid and pulls live balances, investment holdings with cost basis, cursor-based transaction history, and liability details such as credit-card APRs and student-loan payoff information. Results are written into auto-sync blocks in local Obsidian-style markdown files (Accounts.md, Investments.md, Cash Flow.md), while transactions are stored in a local SQLite database. It also computes monthly income and expense rollups and keeps an audit log of Plaid calls and keychain access.
When to use it
Useful for someone who wants an assistant to read their own bank, brokerage, and loan data and keep a private, plain-markdown record of it on their own machine, without a personal-finance SaaS holding the data. It fits personal bookkeeping, net-worth tracking, and monthly cash-flow summaries rather than trading or payments.
Requirements
Runs locally on macOS (Keychain is required) with Python 3.11+. Needs Plaid credentials: PLAID_CLIENT_ID and PLAID_SECRET, set in a .env file at the plugin root. Network access to plaid.com is required. A vault folder path must be configured; Plaid environment (sandbox, development, production) is selected via PLAID_ENV.
Before you install
It handles real financial account data and asks for PLAID_CLIENT_ID and PLAID_SECRET, which are stored in a .env file. Plaid access tokens are kept in the macOS Keychain and are not returned in tool responses. Linking and unlinking institutions changes state: unlink revokes the Plaid item and deletes the keychain entry. It writes markdown files inside the configured vault folder and stores transactions in a local SQLite database. The README states data goes only to plaid.com, but it also…

Installation

In SourceWeft

  1. Open Local-first personal finance MCP in the dashboard and add it to a workspace.
  2. Enable the server for the chats that should use its tools.

Desktop only via STDIO. STDIO servers start a local process, so they need the SourceWeft desktop host.

Other MCP clients

Follow the launch instructions in the repository.

README

[License] [GitHub stars] [Last commit] [Open issues] [PyPI version] [PyPI downloads] [Built by Mycelium AI]

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

> healthcheck

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 surface

ToolWhat it does
healthcheckVerify 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_linkedList 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.

Related MCPs in this family

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:

bash
git clone https://github.com/adelaidasofia/finance-mcp ~/.claude/finance-mcpcd ~/.claude/finance-mcppip3 install --break-system-packages -r requirements.txtcp .env.example .envchmod 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):

json
"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.

Source: README.md at commit 9d3b986

Tools

0
SourceWeft has not started this package in its sandbox yet, so its tools are not known.

Version history

1
  1. v0.1.0LatestSep 16, 2026

Score

50% of the applicable checks met

How complete this listing is, computed from the registry entry, the endpoint and public sources. Not a rating of the server and not a statement that it is safe or working today: reachability is a dated check, and no installs or reviews go into the score.

  • Reached in the last 30 days25 pts

    Keep the endpoint answering the MCP handshake; SourceWeft probes it every 30 days.

  • Auth declared10 pts

    Declare the credential headers in the registry entry, or keep the endpoint answering the probe so its auth can be classified.

  • Tools listed15 pts

    Answer tools/list without a credential, or ship a package that starts in a sandbox without one.

  • DescriptionRequired15 pts
  • Logo10 pts
  • Documentation15 pts
  • License10 pts

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