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Claude Cowork + MoneySprout

Household money reviews together

Cowork sessions align partners on cash flow. The agent pulls read-only MoneySprout data; humans decide what to change in the product.

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

Cowork: pull MoneySprout get_alerts and list_budgets for a summary we can approve before changing caps.

Claude Cowork

Alerts show Dining pacing 18% over cap. Budget list attached—no MCP tool can edit caps; update Dining in MoneySprout when you agree.

How to connect Claude Cowork

  1. Connect MoneySprout MCP in Claude Cowork using the same remote URL and OAuth flow as Claude.
  2. Sign in to MoneySprout and grant access to the household account you share.
  3. Agree that MCP is read-only—budget edits and transaction splits happen in MoneySprout after the session.
  4. Share prompts that call get_alerts and list_budgets so everyone sees the same numbers.

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 Cowork

  • Weekly money standup

    get_metrics plus get_alerts as a shared table before anyone opens the app.

  • Dispute follow-up

    get_tasks to list flagged transactions; assign fixes manually in MoneySprout.

  • Savings goals

    list_goals reviewed together—contributions still happen in-app.

  • Spending search

    query_spending with a merchant filter to settle 'who charged what' questions.

MoneySprout MCP tools

When connected, Claude Cowork 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

  • Compare query_spending for Travel last month vs this month.
  • Explain get_net_worth_history trend for the last 90 days for both of us.

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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