Query your bank accounts, transactions, and subscriptions without leaving your IDE. Financial MCP tools for developers who live in Windsurf.
Read-only access · Revoke anytime · Also works with Claude Code, Cursor & more
Add to Windsurf.
Create this file in your project root.
{
"mcpServers": {
"warm": {
"command": "npx",
"args": ["-y", "@warmio/mcp", "--server"],
"env": {
"WARM_API_KEY": "your-api-key"
}
}
}
}
Get your API key from Settings → API Keys
Developer workflows.
Check your finances without context switching.
Quick Balance Check
"What's my checking account balance?"
Windsurf fetches your accounts via get_accounts 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 current 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 current financial state.
MCP Tools included.
Windsurf automatically discovers and uses these tools.
get_accounts List all connected financial accounts with balances, types, and institutions
"What accounts do I have connected?"
get_transactions Read transaction history with strict cursor pagination
"Show my transactions from last week"
get_financial_state Read snapshots, recurring payments, budgets, goals, health, liabilities, holdings, and category spending in one call
"Show my net worth, recurring charges, budgets, and goals"
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
Not Exposed (App Only)
- — Budgets and budget progress
- — Savings goals
- — AI chat history
- — 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. AI chat 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.
Is this feature free?
No, the MCP server and API access are exclusive to Warm Pro ($24.99/mo). Free and Plus tiers do not include API access.
More Ways to Connect
Ready to query finances
from Windsurf?
Your financial data, right where you code.
MCP access is exclusive to Pro. It is not included with Plus.