Personal Finance MCP Server

A Model Context Protocol (MCP) server that connects to your financial accounts and lets Claude answer questions about your finances.

Features

• Chase bank accounts & credit cards via Teller API (free for personal use)
• Venmo transactions via CSV import
• Local SQLite storage — your data stays on your machine
• Rich query tools — spending summaries, cash flow, monthly trends, transaction search

Quick Start

1. Install

git clone <repo-url>
cd personal_finance_mcp
pip3 install -e ".[dev]"

2. Set Up Teller (for Chase)

1. Sign up at teller.io (free for personal use)
2. Create an application and download your certificate and private key
3. Store the certs in a secure location outside the repo:

mkdir -p ~/.finance_mcp/certs
cp /path/to/certificate.pem ~/.finance_mcp/certs/
cp /path/to/private_key.pem ~/.finance_mcp/certs/
chmod 600 ~/.finance_mcp/certs/*.pem

3. Configure Credentials

There are two ways to provide your Teller credentials:

Option A: Claude Desktop Config (recommended)

Add to your Claude Desktop config (~/Library/Application Support/Claude/claude_desktop_config.json on macOS):

{
  "mcpServers": {
    "finance": {
      "command": "/absolute/path/to/python3",
      "args": ["-m", "personal_finance_mcp"],
      "env": {
        "TELLER_APPLICATION_ID": "your-app-id",
        "TELLER_CERTIFICATE": "/Users/yourname/.finance_mcp/certs/certificate.pem",
        "TELLER_PRIVATE_KEY": "/Users/yourname/.finance_mcp/certs/private_key.pem"
      }
    }
  }
}

Important: Use the absolute path to the Python binary where you installed the package. Claude Desktop doesn't inherit your shell's PATH, so python3 may resolve to the system Python which won't have the package. Find the correct path with:

which python3

Option B: .env file

Useful for development or running the server outside of Claude Desktop:

cp .env.example .env
# Edit .env with your Teller credentials

4. Connect Your Accounts

In Claude, use:

• enroll_account — opens a browser to connect your Chase account
• sync — pulls latest transactions and balances
• import_venmo_csv — import a Venmo CSV export

5. Ask About Your Finances

Once connected, you can ask Claude things like:

• "How much did I spend on dining this month?"
• "What's my cash flow for the last 3 months?"
• "Show me my spending breakdown by category"
• "Search for all transactions at Whole Foods"

Available Tools

Tool	Description
sync	Pull latest data from connected bank accounts
import_venmo_csv	Import a Venmo CSV export
get_accounts	List connected accounts with balances
get_balances	Get current account balances
get_transactions	Search and filter transactions
get_spending_summary	Spending by category
get_cash_flow	Income vs expenses
get_monthly_trend	Month-over-month trends
enroll_account	Connect a new bank account

Venmo-Only Mode

Don't have a Teller account? You can still use the server with just Venmo CSV imports — no Teller credentials needed.

Development

pip3 install -e ".[dev]"
python3 -m pytest -v

Security

• All data stored locally in SQLite (default: ~/.finance_mcp/finance.db)
• No data sent to external services (except Teller API for bank sync)
• Credentials never committed (.env in .gitignore)
• Enrollment server binds to localhost only