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Model Context Protocol

Your Finances,
Powered by AI

Connect Claude.ai, Claude Desktop, Claude Code, VS Code, Cursor, or any MCP-compatible AI tool directly to your Spendify data. Ask questions, analyze spending, manage budgets — all through natural language.

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30+ tools
Secure OAuth login
Read & write access

How It Works

Three components, one seamless connection to your finances.

Step 1

Your AI Tool

Claude.ai, Claude Desktop, Claude Code, VS Code, Cursor, or any MCP-compatible client. Ask questions in natural language about your finances.

Step 2

MCP Protocol

Secure OAuth 2.1 login with PKCE — your browser opens for sign-in, no keys to manage.

Step 3

Your Spendify Data

Real-time access to your accounts, transactions, budgets, categories, merchants, and more — all from one connection.

What Can You Do?

Ask your AI assistant anything about your money. Here are some ideas.

Spending Analysis

Ask "How much did I spend on dining out last month?" and get an instant breakdown with category trends and comparisons.

Budget Reviews

Run a full budget vs. actual comparison. See which categories are over, which have room, and where to adjust.

Subscription Audits

Find every recurring charge, spot duplicates and overlapping services, and calculate your total monthly subscription costs.

Transaction Cleanup

Categorize uncategorized transactions in bulk. Create rules so future ones from the same merchants sort automatically.

Merchant Insights

See your top merchants by spending. Identify where your money actually goes beyond high-level categories.

Debt Tracking

Check account balances, track debt payoff progress, and monitor upcoming bills — all through a quick AI conversation.

Set Up in Minutes

Add your Spendify MCP server to your favorite AI tool.

Add Spendify as a Custom Connector

  1. 1 Go to Settings → Connectors on claude.ai
  2. 2 Click "Add custom connector" at the bottom of the section
  3. 3 Paste the MCP server URL: https://api.spendify.money/mcp
  4. 4 Click "Add", then enable the connector via the + button in any chat

Available on Free, Pro, Max, Team, and Enterprise plans. Free users are limited to one custom connector.

When you first use the connector, your MCP client will open a browser window for you to sign in to your Spendify account. No API keys or manual setup needed.

30+ Tools at Your Fingertips

Read your financial data or take action — all through natural language.

Accounts

  • list_accounts

    List all linked accounts with balances

  • get_account

    Get detailed account information

  • list_debt_accounts

    Debt accounts with APR and minimums

Transactions

  • list_transactions

    Browse with filters and sorting

  • search_transactions

    Full-text search

  • get_spending_by_category

    Category breakdown

  • get_transaction_stats

    Income and spending totals

  • get_daily_spending

    Day-by-day analysis

  • get_monthly_spending

    Month-by-month trends

  • list_uncategorized

    Find uncategorized transactions

  • update_transaction write

    Modify category, notes, tags

Budgets & Categories

  • list_categories

    Full category hierarchy

  • get_budget_overview

    Budget vs actual spending

  • create_category write

    Create a custom category

  • update_category_budget write

    Set or modify budget amount

Merchants

  • list_merchants

    All merchants with transaction counts

  • get_merchant_spending

    Top merchants by spending

Rules & Automation

  • list_rules

    List categorization rules

  • preview_rule

    Preview which transactions match

  • create_rule write

    Create a new automation rule

Recurring & Tags

  • list_recurring

    Recurring transactions

  • list_upcoming_recurring

    Upcoming bills and charges

  • confirm_recurring write

    Confirm a recurring pattern

  • list_tags

    Available tags

  • add_tag_to_transaction write

    Tag a transaction

  • remove_tag_from_transaction write

    Remove a tag

Ready-Made Prompts

Pre-built workflows that combine multiple tools into comprehensive analyses.

monthly_spending_review

Monthly Spending Review

Get a comprehensive breakdown of your spending for any month — top categories, merchant patterns, daily trends, and savings suggestions.

subscription_audit

Subscription Audit

Find every recurring charge across all accounts. Spot overlapping services, see upcoming renewals, and estimate potential savings.

budget_check

Budget Check

Compare your budget targets against actual spending. See which categories are over, which have room, and get recommendations.

categorize_uncategorized

Categorize Uncategorized

AI-assisted categorization of transactions missing a category. Suggests categories, applies them, and creates rules for future matches.

Ready to See Your
Debt-Free Date?

Join thousands of people who stopped guessing and started planning. Your future self will thank you.

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