AI money connectors
Personal Finance MCP Directory
Want your AI assistant to answer from your real budget instead of guessing? These are the money connectors we know of, with what each one can see, what it costs, and how it keeps your data safe. Every fact links to where it came from.
Last updated October 27, 2026
Facts verified from linked sources; tell us if something changed. “Not verified” means the source doesn't say. Fifecta is built by Priceless Tay, the company that publishes this page.
Compare the Connectors
FifectaBuilt by Priceless Tay, the company that publishes this page.
Read-only- Official or community
- Official
- Read-only or write
- Read-only
- Data source
- Your Fifecta plan (bank sync through Plaid)
- Cost (public only)
- Included with Fifecta ($15 a month or $150 a year, after a 7-day free trial)
- Works with
- Claude (tested). Any MCP client with OAuth sign-in can use the link. ChatGPT not confirmed yet.
- Safety notes
- OAuth 2.1 with PKCE, separate read-only tokens (not your app login), every call in an audit log, rate-limited.
Copilot Money MCP
Read-only- Official or community
- Official beta (May 15, 2026)
- Read-only or write
- Read-only
- Data source
- Your spending, budgets, and accounts (the product page's own wording; it doesn't name transactions or net worth specifically).
- Cost (public only)
- Not verified. Still waitlist-only; the page's own Pricing link doesn't cover the MCP.
- Works with
- Claude, ChatGPT, Codex
- Safety notes
- Read-only. Beta with a waitlist.
- Source
Monarch Money
Read by default- Official or community
- Official connector in beta (back after the data-portability pause; Monarch's own help center now documents it). Community servers also exist.
- Read-only or write
- Read by default (transactions, accounts, budgets). Write (re-categorizing transactions, adding tags, creating or editing rules) only if the client asks for it and you approve.
- Data source
- Transactions, accounts, and budgets on read scope; write scope also edits transactions, tags, and rules.
- Cost (public only)
- Not verified
- Works with
- Claude, Cursor, and Gemini CLI; also ChatGPT, but only on web and only with a paid ChatGPT plan (Plus, Pro, Business, Enterprise, or Education).
- Safety notes
- Monarch can't undo an AI tool's edits, so review bulk changes before confirming. Separate, unofficial community servers ask for your email, password, and MFA secret instead of using Monarch's own connector.
YNABCommunity server: @oliverames/ynab-mcp-server
Read-only by default, writes are opt-in- Official or community
- No official MCP. Community server.
- Read-only or write
- Read-only by default, writes are opt-in
- Data source
- Budgets, transactions, categories, accounts, payees, payee locations, monthly summaries, scheduled transactions and money movements on read (the default); write tools (create, update, import, delete) only register if YNAB_ALLOW_WRITES=1 is set.
- Cost (public only)
- Free and MIT-licensed open source (the maintainer takes optional tips). You still need your own YNAB subscription and personal access token.
- Works with
- Claude Code, Codex, Hermes, Antigravity, or any stdio MCP host when run locally; Claude.ai, ChatGPT, or Mistral Vibe Work when run as a hosted remote MCP server, per the README. Not stated as tested with Cursor.
- Safety notes
- Community-built, writes off unless you turn them on. YNAB's official REST API allows 200 requests an hour.
- Source
Era
Not simple read-only- Official or community
- Official, closed source
- Read-only or write
- Not simple read-only: Era's own site says connecting an assistant doesn't by itself authorize a payment or move money, but transfers between your own accounts are in private beta and need your explicit approval each time.
- Data source
- Not verified
- Cost (public only)
- Free with 2 connected accounts. Paid tools in early access.
- Works with
- Claude, ChatGPT, MCP clients
- Safety notes
- Closed source.
- Source
Parsons Money
Read-only at the bank, with some write tools inside the app- Official or community
- Official
- Read-only or write
- Read-only at the bank, with some write tools inside the app
- Data source
- Your bank accounts (read-only)
- Cost (public only)
- $15 a month
- Works with
- Claude, ChatGPT, Cursor
- Safety notes
- Can't change anything at your bank. Some tools can edit data inside Parsons.
- Source
Finlynq
Read by default; the delete and bulk-edit tools need a two-step preview-then-confirm token before they run- Official or community
- Open source (AGPL v3), self-hostable
- Read-only or write
- Read by default; the delete and bulk-edit tools need a two-step preview-then-confirm token before they run.
- Data source
- Accounts, transactions, budgets, portfolios, goals, loans, subscriptions, and reconciliation.
- Cost (public only)
- Self-hosting (Docker) is free beyond your own server costs. A hosted finlynq.com/cloud plan also exists; we couldn't verify its price from Finlynq's own pages.
- Works with
- Claude, ChatGPT, Cursor, and other MCP clients, over OAuth 2.1, an API key, or stdio.
- Safety notes
- OAuth 2.1 sign-in. You can run it yourself.
- Source
Herbert
Read-only- Official or community
- Official
- Read-only or write
- Read-only
- Data source
- Your accounts through Plaid
- Cost (public only)
- Free
- Works with
- ChatGPT and Claude, per Herbert's own site ("Works in ChatGPT & Claude").
- Safety notes
- Read-only. Also texts you.
Finances in ChatGPTBuilt into ChatGPT, not an MCP connector.
Read-only- Official or community
- Built in (OpenAI)
- Read-only or write
- Read-only. OpenAI's help center says it can't move money, pay bills, change account settings, make trades, or open or close accounts.
- Data source
- Bank accounts through Plaid (12,000+ institutions), credit through Experian
- Cost (public only)
- Rolling out to Free and Go users in the U.S. as of October 2, 2026
- Works with
- ChatGPT only
- Safety notes
- Bank and credit are separate connections. You can use either or both.
- Source
Intuit apps in ChatGPTTurboTax, Credit Karma, QuickBooks, Mailchimp
Not verified- Official or community
- Official (Intuit)
- Read-only or write
- Not verified
- Data source
- TurboTax: tax questions, real-time estimates, and refund projections. Credit Karma: your financial profile, credit health, and credit factors. QuickBooks: your financial data, for profitability, cash flow, and P&L. Mailchimp: your campaign data, for send-time and audience recommendations.
- Cost (public only)
- Free to use inside ChatGPT (Free, Plus, and Pro, in the U.S., per Intuit's launch post). It doesn't say whether the underlying Intuit product still needs its own subscription.
- Works with
- ChatGPT, for logged-in U.S. users
- Safety notes
- Intuit says it keeps owning the customer relationship and the data, that data stays inside the Intuit apps and isn't used to train foundation models, and that it applies data only with the customer's permission.
- Source
How to Choose One
- 1
Start read-only
A connector that can only read can't move money or change your budget by accident. Add write access later, only if you need it.
- 2
Prefer the app's own connector
Some community servers ask for your email, password, and MFA secret. An official connector sends you to the app to sign in instead.
- 3
Check it works where you are
Some connectors are in beta, on a waitlist, or tested in only one assistant. Match it to the assistant you already use.
- 4
Know how to disconnect
Before you connect, find where to turn it off, in the app and in your assistant.
Want the full list of what to check? Read Is it safe to connect your bank to AI?, or start with the basics in How to use AI with your money safely.
Common questions
MCP (Model Context Protocol) is an open standard that lets an AI assistant connect to an app and use its data. A personal finance MCP connects your assistant to a money app, so it can answer from your real numbers. More in What is MCP?
Going by their sources: Fifecta, Copilot Money's MCP, and Herbert say read-only. Parsons Money is read-only at the bank with some write tools inside the app. The community YNAB server is read-only by default with opt-in writes.
No. It's built into ChatGPT. It connects bank accounts through Plaid and, separately, your credit through Experian, per OpenAI's help article.
Be careful with any tool that wants your real password, MFA codes, or tokens. Some community servers for apps without an official connector ask for exactly that. Read the safety checklist before you connect anything.
Save this list for later
Connectors change fast, and this page gets updated when they do. Copy the link to come back, or send it to a friend who's deciding which one to trust.
https://pricelesstay.com/finance-mcp-directoryAlready plan with Fifecta? Its connector is read-only and works in Claude today.
Example conversation
- You ask: What's left in Desires before payday?
- Assistant: Desires has [your number] left until payday. That's what you planned for Desires minus what's already spent, from your own buckets.
- You ask: Which transactions still need a bucket?
- Assistant: [The list from your account], biggest first. Sort them in Fifecta and your buckets stay accurate.
- You ask: What's my Money Type, and what's my first fix?
- Assistant: You're [your Money Type]. Your first fix is [your first fix], the step that fits how you handle money.
For education only, not financial, investment, or legal advice. Priceless Tay isn't paid by any tool listed here except Fifecta, which it makes. Disclaimer
