Warm MCP for Windsurf

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 See pricing

Local @warmio/mcp package · Read-only tools · Scoped API keys · Revoke anytime

Local package

Start the local Warm MCP installer, then connect the client with your scoped API key.

Terminal shell 
npx @warmio/mcp
  • Read-only MCP tools
  • Scoped Warm API key
  • Revocable from Settings

Client config

The client launches @warmio/mcp locally. Warm does not require a hosted remote MCP endpoint.

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

MCP setup

Add to Windsurf.

Create this file in your project root.

  1. 1. Create an API key Get it from Settings → API Keys.
  2. 2. Run the installer Use npx @warmio/mcp.
  3. 3. Reload the client Restart or reload so the Warm tools are discovered.
  4. 4. Verify with a prompt Ask: "Is my Warm connection working?"
Terminal shell 
npx @warmio/mcp
Manual config

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

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

Verify: ask the client to show your Warm accounts or test the Warm connection. It should call get_accounts, get_transactions, get_financial_state, or verify_key.

Tip: You can also add this to Windsurf's global settings for access across all projects.

Developer workflows.

Check your finances without context switching.

Quick Balance Check

"What's my checking account balance?"

Windsurf uses get_accounts to pull your account balances while you code, no context switching required.

Spending Research

"How much did I spend on developer tools this quarter?"

Windsurf analyzes your transactions by category—great for expense reports or budget planning.

Subscription Audit

"List all my SaaS subscriptions"

Windsurf uses get_financial_state to review your recurring charges and subscription totals alongside the rest of your financial state.

Net Worth Tracking

"Show my net worth change this year"

Windsurf uses get_financial_state to review your snapshots and net worth trend alongside the rest of your financial state.

MCP Tools included.

Windsurf automatically discovers and uses these tools.

get_accounts

List connected financial accounts with balances, types, and institutions

"Show my connected accounts and current balances"

get_financial_state

Read snapshots, recurring payments, budgets, goals, and health in one bundle

"Show my recurring charges, budgets, goals, and net worth"

get_transactions

Read transaction history with strict cursor pagination

"Show my transactions from last week"

verify_key

Check if your Warm API key is valid and working

"Test my Warm MCP connection"

Data access.

Available via MCP

  • Accounts (names, types, balances, institutions)
  • Transactions (amounts, merchants, categories, dates)
  • Recurring payments and subscriptions
  • Net worth snapshots over time
  • Budgets, goals, financial health, liabilities, and holdings

Not Exposed (App Only)

  • — Conversation history
  • — Household sharing settings
  • — API key management
  • — Any write operations

Secure by design.

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 Windsurf and Warm.

How do I add Warm to Windsurf?

Create a .windsurf/mcp.json file in your project root with the MCP server config. Set the command to "npx", args to ["-y", "@warmio/mcp", "--server"], and add your WARM_API_KEY from Settings → API Keys. Windsurf will automatically discover the tools.

What financial data can Windsurf access?

Windsurf can access your accounts (balances, types, institutions), transactions (amounts, merchants, categories, dates), and financial state: snapshots, recurring payments, budgets, goals, financial health, liabilities, investment holdings, and category spending. Conversation history and household/sharing settings remain app-only.

Can Windsurf modify my financial data?

No. The MCP server is strictly read-only. Windsurf cannot modify, delete, or transfer any data. Your API key is scoped to only your accounts, and you can revoke it 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. Add the .windsurf/mcp.json config to any project, or use Windsurf's global config. The MCP server is project-agnostic—it connects to your Warm account, not your code.

Which plan includes this?

MCP is available on paid Warm plans. Pro supports up to 30 synced accounts.

More Ways to Connect

Claude Code Integration → Cursor Integration → Codex CLI Integration → Full Documentation →

Ready to query finances
from Windsurf?

Your financial data, right where you code.

See pricing View Documentation

MCP is available on paid Warm plans. Pro supports up to 30 synced accounts.