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ChatGPT + MoneySprout

Budget check-ins from the browser

Turn ChatGPT into a finance copilot: it reads your synced MoneySprout data through OAuth MCP and explains trends—you keep control of every dollar in the app.

Read-only MCP. MoneySprout tools list transactions, budgets, accounts, and insights—they do not create, edit, or delete financial data. Manage money in the MoneySprout app; use agents to understand it.
Create free accountConnect ChatGPT

You

Using MoneySprout MCP, how much did I spend on food this month? Compare to my food budget cap.

ChatGPT

I called query_spending for Food and list_budgets. You are at $412 of a $500 cap with nine days left in the month.

How to connect ChatGPT

  1. On chatgpt.com (web), enable Developer mode under Settings if you use custom MCP connectors.
  2. Open Settings → Connectors → Add connector, paste the MoneySprout MCP URL, and save.
  3. When ChatGPT connects, sign in to MoneySprout and approve read-only access in the browser.
  4. In a new chat, enable the MoneySprout connector and ask for query_spending or get_alerts before deeper analysis.

MoneySprout MCP server URL

https://moneysprout.app/mcp

ChatGPT custom connector URL

https://moneysprout.app/mcp

OAuth sign-in is recommended for remote clients. Personal access tokens in Settings → Developer work for local stdio bridges. MCP requires standard encryption mode (not zero-knowledge) so tools can read your linked data.

What you can do with ChatGPT

  • Month-to-date spending

    query_spending with category filters to see where money went—no exports required.

  • Budget pressure

    Combine list_budgets with get_alerts to learn which categories are pacing hot.

  • Net worth snapshot

    get_net_worth_history and list_accounts for a plain-language wealth summary.

  • Daily briefing

    get_daily_summary for narrative insights the app already computed—read-only.

MoneySprout MCP tools

When connected, ChatGPT can call these tools. Write tools require the matching write scope.

Transactions

  • list_transactions
  • get_transaction
  • query_spending
  • update_transaction
  • recategorize_transactions

Budgets and categories

  • list_budgets
  • list_categories
  • create_category
  • update_category
  • delete_category

Accounts, goals, and net worth

  • list_accounts
  • get_net_worth_history
  • list_goals

Insights and briefings

  • get_daily_summary
  • get_alerts
  • get_metrics
  • get_life_hub_briefing

Follow-up

  • get_tasks

Example prompts

  • List my linked accounts and summarize balances from list_accounts.
  • Run get_alerts and tell me which budget warnings need attention this week.

FAQ

Is MoneySprout preinstalled in ChatGPT or Claude?
No. Add MoneySprout as a custom MCP connector (or complete OAuth when your client supports remote MCP). Sign in with your MoneySprout account during consent.
Can an agent change my budgets or add transactions?
Read tools cannot. With write:transactions an agent can change a transaction's category, note, or follow-up flag, including a bulk recategorize by id or merchant. With write:categories it can create, rename, or delete your custom categories. It still cannot add or delete transactions, edit budgets, goals, or accounts, or move money. Existing grants stay read-only until you reconnect and approve the write scopes.
Why does MCP require standard encryption mode?
Read-only tools need server-side access to linked account data. Zero-knowledge mode keeps keys only on your devices, so MCP and API access are disabled until you switch to standard encryption in Settings → Privacy & encryption.
Does the model see my bank passwords?
No. OAuth connects the MCP client to MoneySprout. Bank credentials stay with Plaid inside MoneySprout; agents receive structured summaries and transaction rows your account already synced.

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