Query Warm financial data from Windsurf

Query your bank accounts, transactions, and subscriptions without leaving your IDE. Financial MCP tools for developers who live in Windsurf.

Install Warm MCP

Add to Windsurf.

Run the installer, or edit the Windsurf config in your home directory.

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.

~/.codeium/windsurf/mcp_config.json

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

Tip: This is a user-level config. Preserve other MCP servers when editing it.

Developer workflows.

Check your finances without leaving your coding tool.

  • Quick Balance Check

    What's my checking account balance? Windsurf uses get_financial_context to read accounts from status.accounts while you code.

  • Spending Research

    How much did I spend on developer tools this quarter? Windsurf analyzes your transactions by category for expense reports or budget planning.

  • Subscription Audit

    List all my SaaS subscriptions Windsurf uses get_financial_context to query your recurring charges and subscription totals alongside the rest of your financial context.

  • Net Worth Tracking

    Show my net worth change this year Windsurf uses get_financial_context to query your net worth history and trend alongside the rest of your financial context.

MCP tools included.

Windsurf automatically discovers and uses these tools.

  • 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. "Show my recent transactions"

  • 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"

You control access.

  • 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 Windsurf and Warm.

How do I add Warm to Windsurf?
Run npx -y @warmio/mcp@latest install to configure Windsurf automatically. For a manual setup at ~/.codeium/windsurf/mcp_config.json, set WARM_API_KEY and run npx -y @warmio/mcp@latest mcp. Reload Windsurf and use the available API and automation tools.
What financial data can Windsurf access?
Windsurf can access organized financial data, including accounts at status.accounts, recurring charges, budgets, goals, and financial history, plus transactions for a period set to YYYY-MM or latest. Conversation history and app settings remain app-only.
Can Windsurf modify my financial data?
The local MCP server provides financial reads and approved Warm record automation. It cannot move money or write back to your bank. A full-access API key can be revoked instantly from Settings.
Does this work with Windsurf Cascade?
Yes. The MCP tools work with both Windsurf chat and Cascade. You can ask financial questions while coding and get answers without switching context.
Can I use this in any project?
Yes. Use Windsurf's global ~/.codeium/windsurf/mcp_config.json configuration. The MCP server is connected to your Warm account rather than your code.
Which plan includes this?
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.

Read more about using the connection.

Query finances from Windsurf.

Read your financial data in your coding tool.

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