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Claude + MoneySprout

Long-context money reviews

Claude excels at reading long transaction lists and tying them to goals. MoneySprout MCP supplies structured JSON; Claude explains it in your voice.

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.
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You

Claude, use MoneySprout MCP: get_life_hub_briefing for today and highlight anything unusual.

Claude

Briefing loaded. Spend is up 12% vs last month—Travel has two large charges. I can drill into query_spending if you want merchants.

How to connect Claude

  1. In Claude (claude.ai or a remote-MCP client), add a custom MCP connector pointing at the MoneySprout server URL when your edition supports remote MCP.
  2. Complete MoneySprout sign-in and OAuth consent. Grant only the scopes the client requests. Write scopes are required before an agent can edit categories or transaction categorization.
  3. Confirm Settings → Developer shows standard encryption mode if MCP was blocked.
  4. Start a chat, enable the MoneySprout connector, and ask for get_daily_summary or list_accounts to verify tools work.

MoneySprout MCP server 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 Claude

  • Subscription audit

    list_transactions with merchant search to find recurring charges worth canceling in-app.

  • Goal progress

    list_goals plus get_metrics for milestone narratives.

  • Category cleanup plan

    list_categories and recent list_transactions to suggest renames—you apply fixes in MoneySprout.

  • Life hub briefing

    get_life_hub_briefing for a condensed financial health snapshot.

MoneySprout MCP tools

When connected, Claude 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

  • Summarize get_daily_summary and get_metrics for yesterday in bullet points.
  • Find transactions marked for follow-up with get_tasks and suggest next steps I can do in the app.

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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