Ask Claude Code about your spending, accounts, and subscriptions. Get real answers from your actual financial data via MCP.
Read-only access · Revoke anytime · Works with Claude Code, Cursor, Windsurf & more
Setup in seconds.
Add this to your Claude Code configuration file.
{
"mcpServers": {
"warm": {
"command": "npx",
"args": ["-y", "@warmio/mcp", "--server"],
"env": {
"WARM_API_KEY": "your-api-key"
}
}
}
}
Get your API key from Settings → API Keys
MCP Tools available.
Claude Code automatically discovers and uses these tools.
get_accounts List all connected financial accounts with balances, types, and institutions
"Show me all my accounts"
get_transactions Read transaction history with strict cursor pagination
"What did I spend on groceries last month?"
get_financial_state Read snapshots, recurring payments, budgets, goals, health, liabilities, holdings, and category spending in one call
"Show my net worth, recurring charges, budgets, and goals"
verify_key Check if your Warm API key is valid and working
"Is my Warm connection working?"
Ask Claude Code anything.
Real examples of what you can do with your financial data.
Account Overview
"Show me all my bank accounts and their balances"
Claude fetches your accounts via get_accounts, displaying names, types, institutions, and current balances.
Spending Analysis
"How much did I spend on restaurants last month?"
Claude 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?"
Claude uses get_financial_state to review your recurring charges and subscription totals alongside the rest of your current financial state.
Net Worth Tracking
"What's my net worth trend over the past 6 months?"
Claude uses get_financial_state to review your snapshots and net worth trend alongside the rest of your current financial state.
What Claude Code can see.
Available via MCP
- Accounts (names, types, balances, institutions)
- Transactions (amounts, merchants, categories, dates)
- Recurring payments and subscriptions
- Net worth snapshots over time
Not Exposed (App Only)
- — Budgets and budget progress
- — Savings goals
- — AI chat history
- — 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 Claude Code and Warm.
How do I add Warm to Claude Code?
Add the MCP server config to your claude_desktop_config.json file. Set the command to "npx", args to ["-y", "@warmio/mcp", "--server"], and add your WARM_API_KEY from Settings → API Keys. Claude Code will automatically discover the tools.
What financial data can Claude Code access?
Claude Code 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. AI chat history and household/sharing settings remain app-only.
Is this safe? Can Claude modify my data?
The MCP server is strictly read-only. Claude 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.
What Claude Code commands can I use?
Just ask questions naturally. Claude Code automatically uses get_accounts for balances, get_transactions for transaction history, get_financial_state for subscriptions, net worth, budgets, goals, financial health, debts, investments, and spending breakdowns, and verify_key to confirm the connection.
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.
Is this feature free?
No, the MCP server and API access are exclusive to Warm Pro ($24.99/mo). Free and Plus tiers do not include API access.
More Ways to Connect
Ready to ask Claude Code
about your money?
Your financial data, accessible in your AI workflow.
MCP access is exclusive to Pro. It is not included with Plus.