Claude Desktop finance with local Warm MCP

Use Claude Desktop to explore your spending and account data with natural-language questions through a local MCP server.

Install Warm MCP

Install with Claude Desktop.

Run the installer to configure Claude Desktop automatically, or paste the manual config into Claude Desktop if you manage MCP servers yourself.

MCP setup

  1. Create an API key

    Get it from Settings → Export & API in your Warm dashboard.

  2. Run the installer

    Use npx -y @warmio/mcp@latest install.

  3. Reload the client

    Restart or reload so the Warm tools are discovered.

  4. Verify with a prompt

    Ask: "Is my Warm connection working?"

Manual config

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

claude_desktop_config.json

claude_desktop_config.jsonjson
{
  "mcpServers": {
    "warm": {
      "command": "npx",
      "args": ["-y","@warmio/mcp@latest","mcp"],
      "env": { "WARM_API_KEY": "your-warm-api-key" }
    }
  }
}

Ask your client about your finances.

Examples show questions you can ask about your financial data.

  • Account Overview

    Show me all my bank accounts and their balances Claude Desktop uses get_financial_context to read accounts from status.accounts, including names, types, institutions, and balances.

  • Spending Analysis

    How much did I spend on restaurants last month? Claude Desktop uses get_transactions with period set to YYYY-MM or latest to review transactions, categorize spending, and give you totals with merchant breakdowns.

  • Subscription Audit

    What recurring charges am I paying? Claude Desktop uses get_financial_context to query your recurring charges and subscription totals alongside the rest of your financial context.

  • Net Worth Tracking

    What's my net worth trend over the past 6 months? Claude Desktop uses get_financial_context to query your net worth history and trend.

MCP tools available.

The local Warm MCP server makes these tools available to supported clients.

  • get_financial_context

    Read-only compact FinancialContext JSON. Includes status.position, status.accounts, transaction index total/months, recurring, budgets, goals, snapshots, liabilities, holdings, and health. The status.position field is a point-in-time (as-of-date) balance snapshot, separate from transaction and behavior windows. A null position means no position snapshot is available. Transaction items are not inline; use get_transactions for items. "Show my connected accounts and current balances"

  • get_transactions

    Read-only transactions from the FinancialContext artifact. Pass `period: "latest"` for the fixed 10-day latest window or `period: "YYYY-MM"` for a month page. The latest window is not caller-configurable. Months outside the covered range return an error. "What did I spend last month?"

  • search_operations

    Search the supported Warm operation catalog. Use this first to find the smallest matching operation. "What approved automation is available?"

  • describe_operation

    Describe one operation, including its input schema and risk. For write operations, pass the exact intended input to receive an approval with its ID, status, URL, and expiry. "Describe this approved operation"

  • invoke_operation

    Invoke one previously discovered Warm operation. Every write operation requires the approval_id returned for the exact same input by describe_operation. "Run this approved operation"

Claude gets financial context and approved automation.

  • You approve changes to Warm records.

    The MCP server reads financial data and runs changes to Warm records that you approve. It cannot move money.

  • Your key authorizes access to your Warm account.

    Your key authorizes your Warm API data and approved record automation.

  • You can stop future calls.

    Delete the key to stop further calls with it. Previous AI outputs remain subject to your AI provider's policies.

Common questions Everything you need to know about Warm MCP.

Can I use Warm MCP with Claude Desktop?
Yes. Claude Desktop is supported. Add the Warm MCP server to your Claude configuration and use your Warm API key.
What can I ask in Claude Desktop?
You can ask about account balances, spending patterns, subscriptions, and net worth history from your connected financial data.
What can Claude Desktop do through Warm MCP?
Warm MCP provides financial reads and approved Warm record automation. It cannot move money or write back to your bank.

Read more about using the connection.

Ask Claude Desktop about your money.

Explore your financial context with Claude Desktop.

MCP and API access are included on paid Warm plans. Plus includes up to 2 bank logins. Pro includes up to 10 bank logins. Each bank login can include several accounts.

See pricing