# Choose Warm MCP or a CSV for your AI

Use Warm MCP for regular money check-ins, or share a CSV when you want to choose the rows yourself.

Canonical URL: https://warm.io/blog/warm-mcp-vs-csv-exports/

Warm Team ,

September 22, 2026

You can connect your AI to Warm or give it a CSV file. Both help you ask questions about your money.

## Pick the approach that fits your task.

Warm MCP

CSV file

Good for

Regular spending and subscription reviews

A one-off question about selected rows

Setup

Connect Warm with an API key and the local installer

Upload a file to an AI that accepts it

Freshness

The latest data synced to Warm

Data from when you made the export

What you share

Your key allows access across your Warm account

You choose the rows and columns

With MCP, you can come back next month without preparing another file. Check your bank connections in Warm and ask your AI which months are available.

With a CSV, you can remove details you don’t need to share. Check dates, currencies, and duplicate rows before uploading, and keep an untouched copy.

## Check your AI’s privacy settings.

Your AI provider may receive financial data through either method. Warm MCP runs on your computer, but that doesn’t mean the AI processes everything there. Check your provider’s storage and training policies.

Deleting your Warm key stops future calls with that key. It won’t delete data already shared with your AI provider.

MCP can also change supported Warm records after you approve the exact request. It cannot move money. Read [how permissions work](/developers/mcp-permissions) if you want the details.

To connect, follow the [Warm MCP setup guide](/developers).

W

Warm Team

Warm is a personal finance app for reviewing accounts, spending, and net worth. Built in Pacifica, California.

## Put this into practice

Connect accounts to review balances, transactions, and net worth together.

[Create your dashboard](https://app.warm.io/login)