Connect your money data to MCP Financial MCP Server
Give Claude, Cursor, and other AI tools secure read-only access to your bank accounts, transactions, and net worth. Ask questions in plain English.
Works with 8 AI clients · Read-only access · Revoke anytime
One command to get started
Auto-configures all supported AI clients with your API key.
npx @warmio/mcp
Requires Node.js 18+ and an API key from Settings → API Keys. Warm's public https://warm.io/mcp endpoint is discovery-only and does
not expose private finance data.
Works with 8 AI clients
One install, automatic configuration for all supported tools.
Claude Code
AI coding assistant
Cursor
AI-first code editor
Windsurf
Codeium IDE
Claude Desktop
Desktop app
OpenCode
Open source IDE
Codex CLI
OpenAI CLI
Antigravity
AI development
Gemini CLI
Google AI CLI
MCP Tools available
Four tools give your AI assistant read-only access to your financial data.
get_accounts
Params: none
List all connected bank accounts with balances and types
get_transactions
Params: limit, cursor, last_knowledge
Read transaction history with strict cursor pagination
get_financial_state
Params: none
Read snapshots, recurring payments, budgets, goals, and health in one call
verify_key
Params: none
Check if API key is valid and working
Ask in plain English
Your AI translates natural language into MCP tool calls automatically.
"How much did I spend on restaurants last month?"
Get spending totals by category with transaction details
"What's my net worth?"
See total assets minus liabilities across all accounts
"Show me my subscriptions"
List all recurring charges with amounts and frequencies
"Am I on track with my budgets and goals?"
Review budget progress, savings goals, and overall financial health
"What are my biggest expenses?"
Find your largest transactions in any time period
"Which accounts have the highest balance?"
Compare balances across all connected accounts
What data is accessible
The MCP server exposes read-only access to core financial data.
Exposed via MCP
- Accounts — names, types, balances, institutions
- Transactions — amounts, merchants, categories, dates
- Financial State — snapshots, recurring payments, budgets, goals, and health
- API Key — verify connection status
App-Only (Not via MCP)
- — Conversation history
- — Household/sharing settings
- — Billing and account setting changes
- — Any write operations
Security first
Your financial data is protected by design.
Read-Only
The MCP server can only query data—never modify, delete, or transfer anything.
Scoped Access
Your API key only accesses your accounts. No one else's data is ever visible.
Revocable
Delete your API key in Settings and access stops immediately. No waiting.
Frequently Asked Questions
Everything you need to know about the Financial MCP Server.
What is a Financial MCP Server?
An MCP (Model Context Protocol) server that gives AI assistants like Claude secure, read-only access to your financial data. Your AI can query accounts, transaction history, and your broader financial state, including recurring payments, snapshots, budgets, goals, and health, through natural language questions.
How do I install the Warm MCP Server?
Run "npx @warmio/mcp" in your terminal. This auto-configures Claude Code, Cursor, Windsurf, Claude Desktop, OpenCode, Codex CLI, Antigravity, and Gemini CLI. You'll need an API key from Settings → API Keys in your Warm account.
What data can the MCP server access?
Accounts (balances, types, institutions), transactions (amounts, merchants, categories, dates), and financial state data: recurring payments, snapshots, budgets, goals, and health. Everything is read-only and scoped to your connected accounts only.
What data is NOT accessible via MCP?
Conversation history and household/sharing settings are app-only. There are also no write operations—the MCP cannot modify, delete, or transfer any data.
Is my financial data safe?
Yes. The MCP server only has read-only access—it cannot modify, delete, or transfer your data. Your API key is scoped to your accounts only, and you can revoke it instantly in Settings if needed.
Which AI tools support this MCP server?
Claude Code, Cursor, Windsurf, Claude Desktop, OpenCode, Codex CLI, Antigravity, and Gemini CLI. Any MCP-compatible client will work with the Warm MCP server.
What MCP tools are available?
Four tools: get_accounts (list accounts with balances), get_transactions (strict cursor-paginated transaction history), get_financial_state (snapshots, recurring payments, budgets, goals, and health), and verify_key (check API status). Your AI client handles the analysis directly.
Which plan includes the Financial MCP Server?
The MCP server is available on paid Warm plans. Pro supports up to 30 synced accounts.
Is https://warm.io/mcp the same as the finance MCP server?
No. https://warm.io/mcp is a public, unauthenticated discovery endpoint for API catalog, OpenAPI, and service-status metadata only. It does not expose private account, transaction, budget, goal, or net-worth data. Use the local @warmio/mcp package with your Warm API key for private read-only finance access.
Related Resources
Personal Finance MCP
Learn how to connect your personal finances to AI assistants.
Connect Bank to Claude
Step-by-step guide to connecting your bank accounts to Claude.
Read-Only MCP
Security model for scoped, read-only financial MCP access.
AI Transaction Search
Search transaction history with natural-language prompts.
Ready to connect your
finances to AI?
Start using MCP and ask questions about your money in plain English.
Available on paid Warm plans. Pro supports up to 30 synced accounts.
Where to next
For AI/MCP workflow examples, see /ai-agent-workflows. For technical reference and the API, see /developers.