Personal Finance Mcp
Self-host a read-only Plaid-backed MCP server so your agent can answer questions about balances and holdings without editing transactions.
Overview
Personal Finance MCP is a MCP server for the Grow phase that exposes read-only Plaid-linked bank and investment data to agents over a self-hosted HTTP endpoint.
What is this MCP server?
- Self-hosted read-only MCP over streamable HTTP (localhost container port)
- Plaid integration for banks and investments with PLAID_CLIENT_ID and PLAID_SECRET
- PLAID_ENV choices: production or sandbox (default production)
- OCI image ghcr.io/josuem1109/personal-finance-mcp:1.0.0
- Designed for safe agent Q&A without write access to financial accounts
- Registry version 1.0.0
- Required secrets: PLAID_CLIENT_ID, PLAID_SECRET
- Default PORT 8000; PLAID_ENV default production with sandbox option
What problem does it solve?
You cannot let an agent reason about real account balances without a controlled, read-only bridge—and spreadsheets break every week.
Who is it for?
Self-hosted solo founders who already use Plaid and want private, read-only finance context inside Claude Code or similar MCP clients.
Skip if: Builders who need payment execution, bookkeeping writes, or a fully managed SaaS finance dashboard with no Plaid setup.
What do I get? / Deliverables
After Docker and Plaid setup, your agent can query linked financial data through MCP for analytics-style answers without write access.
- Local MCP HTTP endpoint serving read-only finance queries
- Plaid-backed visibility into banks and investments for agents
- Configurable PORT and production vs sandbox Plaid env
Recommended MCP Servers
Journey fit
Personal and business money visibility supports Grow analytics and solo-founder financial decisions after you have live banking data to inspect. Analytics subphase fits querying aggregates, accounts, and investment positions for planning—not building product features.
How it compares
Read-only Plaid finance MCP, not a trading bot or generic SQL database server.
Common Questions / FAQ
Who is Personal Finance MCP for?
Solo builders comfortable self-hosting Docker who want agents to read Plaid-connected bank and investment data privately on localhost.
When should I use Personal Finance MCP?
Use it when you need analytics and Q&A over real accounts during planning; avoid it if you require transaction creation or corporate treasury workflows.
How do I add Personal Finance MCP to my agent?
Run ghcr.io/josuem1109/personal-finance-mcp:1.0.0 with PLAID_CLIENT_ID, PLAID_SECRET, optional PLAID_ENV and PORT, then point your MCP client at http://localhost:{PORT}/mcp.