Model Context Protocol

Your finances, available
to your AI assistant.

Connect Claude.ai, Claude Desktop, Claude Code, VS Code, Cursor, or any MCP-compatible tool straight to your Spendify data. Ask questions, analyze spending, and manage budgets in plain language.

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30+ toolsSecure OAuth loginRead and write access

How it works

Three parts, one connection.

Your AI tool talks to Spendify over the Model Context Protocol. You set it up once, and it stays in sync.

Part 1

Your AI tool

Claude.ai, Claude Desktop, Claude Code, VS Code, Cursor, or any MCP-compatible client. You ask questions about your money in plain language.

Part 2

The MCP connection

A secure OAuth 2.1 login with PKCE. Your browser opens for sign-in, so there are no API keys to copy or store.

Part 3

Your Spendify data

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

What you can do

Can you just ask?

Yes. Point your assistant at any of these and it pulls the answer from your real data.

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 versus 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 cost.

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 conversation.

Connect

Set up in three steps.

Add the Spendify MCP server to your favorite AI tool. It takes a couple of minutes.

1
Open your tool's connector settings
In Claude.ai, that is Settings then Connectors. In Claude Desktop, Claude Code, VS Code, or Cursor, it is the MCP server config shown below.
2
Add the Spendify MCP server URL
Point your client at the single endpoint that exposes every tool.
https://api.spendify.money/mcp
3
Sign in through your browser
The first time you use the connector, your client opens a browser window to sign in to Spendify. No API keys, no manual setup.

Configuration for your tool

Add Spendify as a custom connector

Go to Settings, Connectors on claude.ai
Click Add custom connector at the bottom of the section
Paste the MCP server URL:https://api.spendify.money/mcp
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.

Your client opens a browser to sign in to Spendify. No API keys or manual setup needed.

The toolset

30+ tools at your fingertips.

Your assistant can read your financial data or take action, all in plain 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_transactionwrite
Modify category, notes, tags

Budgets & categories

list_categories
Full category hierarchy
get_budget_overview
Budget vs actual spending
create_categorywrite
Create a custom category
update_category_budgetwrite
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_rulewrite
Create a new automation rule

Recurring & tags

list_recurring
Recurring transactions
list_upcoming_recurring
Upcoming bills and charges
confirm_recurringwrite
Confirm a recurring pattern
list_tags
Available tags
add_tag_to_transactionwrite
Tag a transaction
remove_tag_from_transactionwrite
Remove a tag

0+tools available

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Ready-made prompts

Workflows, ready to run.

Pre-built prompts that combine several tools into one comprehensive answer.

monthly_spending_review

Monthly spending review

A comprehensive breakdown of your spending for any month: top categories, merchant patterns, daily trends, and savings suggestions.

subscription_audit

Subscription audit

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. It suggests categories, applies them, and creates rules for future matches.

Safe by design

You stay in control.

The connection uses the same read-first posture as the rest of Spendify.

OAuth, not API keys

Sign in through your browser with OAuth 2.1 and PKCE. There is no key to copy, paste, or accidentally leak in a config file.

Reads by default

Most tools only ever read your data. The handful that change anything are clearly marked as write tools, so nothing is altered by surprise.

Scoped to your account

The connection sees only your own Spendify workspace, and you can disconnect it from your AI tool at any time.

Put Your Finances
in the Conversation

Connect your AI tool to Spendify and ask anything about your money. Try free for 7 days.

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Get started today

Your finances, availableto your AI assistant.