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DeepSeek + MoneySprout

Draft analysis, verified numbers

DeepSeek does not hold bank credentials—OAuth connects MoneySprout; tools return read-only JSON.

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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DeepSeek + MoneySprout: summarize get_daily_summary for today.

DeepSeek

Summary: MTD spend on track; one unusual $240 charge in Shopping flagged in insights.

How to connect DeepSeek

  1. In DeepSeek, 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 DeepSeek

  • Efficient summaries

    Compress long list_transactions output.

  • Budget math

    Compare list_budgets to query_spending totals.

  • Goal stories

    Narrate list_goals progress.

  • Alert explainers

    Turn get_alerts into action items for the app.

MoneySprout MCP tools

When connected, DeepSeek 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_accounts with emphasis on credit utilization.
  • get_life_hub_briefing condensed to three bullets.

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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