Give OpenCode read-only finance context OpenCode Financial Data
Ask OpenCode about your spending, accounts, and subscriptions. Get real answers from your actual financial data via MCP in your terminal.
Read-only access · Revoke anytime · Works with Claude Code, Cursor & more
Install with one command.
Run the installer first. It configures supported clients automatically.
npx -y @warmio/mcp@latestGet your API key from Settings → API Keys
Manual config
Use this if you prefer editing your OpenCode MCP configuration yourself.
{
"mcpServers": {
"warm": {
"command": "npx",
"args": ["-y", "@warmio/mcp@latest", "mcp"],
"env": {
"WARM_API_KEY": "your-api-key"
}
}
}
}MCP Tools available.
OpenCode automatically discovers and uses these tools.
get_financial_context Read financial context, including accounts at status.accounts
"Show me all my accounts"
get_transactions Read transactions for month YYYY-MM or latest:true
"What did I spend last month?"
verify_key Check if API key is valid and working
"Test my Warm connection"
Ask OpenCode anything.
Real examples of what you can do with your financial data.
Account Overview
"Show me all my bank accounts and balances"
OpenCode fetches accounts via get_financial_context from status.accounts, including names, types, institutions, and balances.
Spending Analysis
"How much did I spend on restaurants this month?"
OpenCode uses get_transactions with a month or latest:true to review transactions, categorize spending, and give you totals with merchant breakdowns.
Subscription Audit
"What recurring charges am I paying?"
OpenCode calls get_financial_context to review recurring charges alongside the rest of your financial context.
Net Worth Tracking
"What's my net worth trend over the past 6 months?"
OpenCode uses get_financial_context to review your financial history and show how your assets and liabilities have changed.
What OpenCode can see.
Available via MCP
- Accounts (names, types, balances, institutions)
- Transactions (amounts, merchants, categories, dates)
- Recurring payments and subscriptions
- Financial state: financial history, budgets, goals
Not Exposed (App Only)
- — Conversation 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 OpenCode and Warm.
How do I add Warm to OpenCode?
Create an MCP config file in your project or home directory. Set the command to "npx", args to ["-y", "@warmio/mcp@latest", "mcp"], and add your WARM_API_KEY from Settings → API Keys. OpenCode should then discover the tools.
What financial data can OpenCode access?
OpenCode can access your accounts (balances, types, institutions), transactions (amounts, merchants, categories, dates), and your financial state bundle: financial history, recurring payments, budgets, goals, and financial position. Conversation history remains app-only.
Is this safe? Can OpenCode modify my data?
The MCP server is strictly read-only. OpenCode 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 makes OpenCode different?
OpenCode is a terminal-native coding client. If you prefer working in the terminal over GUI editors, OpenCode with Warm MCP gives you financial data access without leaving your workflow.
Do I need to install anything?
You need Node.js 18+ installed. The MCP server runs via npx -y @warmio/mcp@latest, so there's no global installation required. Just add the config and your API key.
Which plan includes this?
MCP is available on paid Warm plans. Pro includes up to 30 synced accounts.
More Ways to Connect
Ready to ask OpenCode
about your money?
Your financial data, accessible in your terminal workflow.
Available on paid Warm plans. Pro includes up to 30 synced accounts.