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Cursor + MoneySprout

Finances next to your editor

Cursor agents discover MoneySprout over OAuth when you add the remote MCP URL—personal access tokens work too.

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

Using MoneySprout MCP in Cursor, what are my account balances?

Cursor

list_accounts returned three linked accounts totaling $24,180 net of credit cards. Details in the tool output.

How to connect Cursor

  1. Add the MoneySprout server URL to .cursor/mcp.json (see snippet) or Cursor Settings → MCP.
  2. Complete MoneySprout browser sign-in when Cursor requests authentication.
  3. In Agent mode, ask for list_budgets or query_spending before assuming data is present.
  4. Settings → Developer documents OAuth, PATs, and encryption requirements.

MoneySprout MCP server URL

https://moneysprout.app/mcp

Cursor (.cursor/mcp.json)

{
  "mcpServers": {
    "moneysprout": {
      "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 Cursor

  • Freelance cash flow

    query_spending while invoicing—separate business categories you tag in-app.

  • Goal tracking

    list_goals during sprint planning for personal savings targets.

  • Alert triage

    get_alerts without leaving the IDE.

  • MCP discovery

    Ask which tools exist—all read-only.

MoneySprout MCP tools

When connected, Cursor 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 for today.
  • query_spending month-to-date for categories Groceries and Dining.

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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