Ask AI about your Warm data. Financial MCP Server
One local package. One API key. Read-only access.
Included with every paid Warm plan
Install Warm MCP
Run one command, then reload your client.
npx -y @warmio/mcp@latest
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.
Three read-only tools
Enough surface area to answer useful questions without write access.
get_financial_context
Params: none
Read accounts, recurring charges, budgets, goals, and financial history
get_transactions
Params: month or latest
Read transactions for a month or the fixed 10-day latest window
verify_key
Params: none
Check if API key is valid and working
Ask in plain English
Your client 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
Security first
Your financial data is protected by design.
Read-Only
The MCP server can only query data—never modify, delete, or transfer anything.
User-Scoped Access
Your API key only accesses your Warm data. It is user-scoped, not a set of granular permissions.
Revocable
Delete your API key in Settings and access stops immediately. No waiting.
Frequently Asked Questions
The essentials before you connect.
What is a Financial MCP Server?
It gives supported AI clients read-only access to your Warm financial context.
How do I install the Warm MCP Server?
Create an API key in Warm, then run "npx -y @warmio/mcp@latest". The installer configures supported clients it finds.
What data can the MCP server access?
Accounts, transactions, recurring charges, budgets, goals, and financial history. Access is read-only.
Is my financial data safe?
The server cannot modify data or move money. Delete your API key in Settings to revoke access.
Which plan includes the Financial MCP Server?
MCP and API access are included with every paid Warm plan. Plus and Pro differ by synced-account capacity.
Is https://warm.io/mcp the same as the finance MCP server?
No. That URL exposes public discovery metadata. Private financial context uses the local package and your Warm API key.
Connect Warm to your AI client.
Install the package, add your API key, and start asking questions.
MCP and API access are included with every paid Warm plan. Plus and Pro differ by synced-account capacity.