Warm MCP for Aider

Ask Aider about your money

Ask Aider about your spending, accounts, and subscriptions. Get real answers from your actual financial data via MCP in your terminal.

Install Warm MCP See pricing

Local @warmio/mcp package · Read-only tools · Scoped API keys · Revoke anytime

Local package

Start the local Warm MCP installer, then connect the client with your scoped API key.

Terminal shell 
npx @warmio/mcp
  • Read-only MCP tools
  • Scoped Warm API key
  • Revocable from Settings

Client config

The client launches @warmio/mcp locally. Warm does not require a hosted remote MCP endpoint.

~/.aider/mcp.json json 
{
  "mcpServers": {
    "warm": {
      "command": "npx",
      "args": ["-y", "@warmio/mcp", "--server"],
      "env": {
        "WARM_API_KEY": "your-api-key"
      }
    }
  }
}

MCP setup

Setup in seconds.

Run Aider with the MCP server flag, or add to your config.

  1. 1. Create an API key Get it from Settings → API Keys.
  2. 2. Run the installer Use npx @warmio/mcp.
  3. 3. Reload the client Restart or reload so the Warm tools are discovered.
  4. 4. Verify with a prompt Ask: "Is my Warm connection working?"
Terminal shell 
npx @warmio/mcp
Manual config

Use this only if you prefer editing the client config yourself.

terminal shell 
WARM_API_KEY=your-api-key aider --mcp-server "npx -y @warmio/mcp --server"
or add to config file
~/.aider/mcp.json json 
{
  "mcpServers": {
    "warm": {
      "command": "npx",
      "args": ["-y", "@warmio/mcp", "--server"],
      "env": {
        "WARM_API_KEY": "your-api-key"
      }
    }
  }
}

Verify: ask the client to show your Warm accounts or test the Warm connection. It should call get_accounts, get_transactions, get_financial_state, or verify_key.

MCP Tools available.

Aider automatically discovers and uses these tools.

get_accounts

List connected financial accounts with balances, types, and institutions

"Show my subscriptions, net worth, budgets, and goals"

get_financial_state

Read snapshots, recurring payments, budgets, goals, and health in one bundle

"Show my recurring charges, budgets, goals, and net worth"

get_transactions

Read transaction history with strict cursor pagination

"What did I spend last week?"

verify_key

Check if your Warm API key is valid and working

"Test my Warm connection"

Ask Aider anything.

Real examples of what you can do with your financial data.

Account Overview

"Show me all my bank accounts and balances"

Aider uses get_accounts to read your account names, types, institutions, and current balances in your terminal.

Spending Analysis

"How much did I spend on restaurants this month?"

Aider uses get_transactions to page through transaction history, categorize spending, and give you totals with merchant breakdowns.

Subscription Audit

"What recurring charges am I paying?"

Aider uses get_financial_state to review your recurring charges and subscription totals alongside the rest of your financial state.

Net Worth Tracking

"What's my net worth trend over the past 6 months?"

Aider uses get_financial_state to review your snapshots and net worth trend alongside the rest of your financial state.

What Aider can see.

Available via MCP

  • Accounts (names, types, balances, institutions)
  • Transactions (amounts, merchants, categories, dates)
  • Recurring payments and subscriptions
  • Net worth snapshots over time
  • Budgets, goals, financial health, liabilities, and holdings

Not Exposed (App Only)

  • — Conversation history
  • — Household sharing settings
  • — API key management
  • — Any write operations

Safe and secure.

Your financial data stays protected.

Read-Only Access

The MCP server can only query data—never modify, delete, or transfer.

Scoped API Keys

Your key only accesses your accounts. Nothing else.

Instant Revocation

Delete your API key in Settings and access stops immediately.

Common questions

Everything you need to know about Aider and Warm.

How do I add Warm to Aider?

Aider supports MCP servers via the --mcp-server flag or config file. Run: WARM_API_KEY=your-key aider --mcp-server "npx -y @warmio/mcp --server". Or add the config to ~/.aider/mcp.json for persistent access.

What financial data can Aider access?

Aider can access your accounts (balances, types, institutions), transactions (amounts, merchants, categories, dates), and financial state: snapshots, recurring payments, budgets, goals, financial health, liabilities, investment holdings, and category spending. Conversation history and household/sharing settings remain app-only.

Is this safe? Can Aider modify my data?

The MCP server is strictly read-only. Aider cannot modify, delete, or transfer any data. Your API key is scoped to only your accounts, and you can revoke it instantly from Settings if needed.

Does Aider work with different AI models?

Yes. Aider works with Claude, GPT-4, and other models. The Warm MCP tools are available regardless of which underlying model you use with Aider.

Do I need to install anything?

You need Node.js 18+ installed. The MCP server runs via npx @warmio/mcp, so there's no global installation required. Just add the config and your API key.

Which plan includes this?

MCP is available on paid Warm plans. Pro supports up to 30 synced accounts.

More Ways to Connect

Claude Code Integration → Cursor Integration → Windsurf Integration → Full Documentation →

Ready to ask Aider
about your money?

Your financial data, accessible in your terminal workflow.

See pricing View Documentation

MCP is available on paid Warm plans. Pro supports up to 30 synced accounts.