What is Money Copilot MCP?

Money Copilot MCP is an official Model Context Protocol (MCP) server that empowers AI assistants like ChatGPT, Claude, Cursor, and Gemini to act as personal financial copilots. It provides 26 structured tools and resources to track spending, manage budgets, schedule bills, and analyze cash flow securely.

How do I connect Money Copilot MCP to Claude Desktop?

In your claude_desktop_config.json file, add Money Copilot under mcpServers with command 'npx' and args ['-y', 'expense-tracker-ai-website']. Claude Desktop will automatically discover all 26 tools upon launch.

How does Money Copilot MCP protect my financial privacy?

Money Copilot MCP is built on a zero-trust architecture: it never requests, stores, or accesses bank account numbers, credit cards, or banking passwords. All session data is isolated per authenticated user and protected with AES-256-GCM encryption and OAuth 2.0 PKCE.

Can Money Copilot MCP handle multi-currency transactions and rollover budgets?

Yes. Money Copilot MCP supports all standard ISO 3-letter currency codes and offers flexible rollover budgets where surplus or deficit balances carry over seamlessly across weekly, monthly, or yearly periods.

Money Copilot MCP — Model Context Protocol Server & Tools

1. Expense Tracking & Intelligence

Record, query, modify, split, and batch-import transactions with automatic category resolution and natural language parameter parsing.

add_expense State-Changing

Record a new expense in major currency units. Date defaults to today. Automatically infers standard categories and checks budget thresholds to trigger alerts if limits are exceeded.

Parameter	Type	Status	Description
amount	number	Required	Positive decimal amount in major units (e.g. 18.50).
category	string	Optional	Category name (e.g. "groceries", "food", "transport"). Auto-inferred if omitted.
description	string	Optional	Merchant or purchase note (e.g. "Lunch at Chipotle").
date	string	Optional	ISO date string YYYY-MM-DD. Defaults to today's date.
currency	string	Optional	3-letter ISO code (e.g. USD, EUR, GBP). Defaults to your Copilot Space currency.
merchant	string	Optional	Merchant name for searchable vendor records.
payment_method	string	Optional	Payment channel (e.g. "Apple Pay", "Credit Card", "Cash").
tags	string[]	Optional	Array of user tags (e.g. ["work", "reimbursable"]).

Example LLM Call & Response

{
  "tool": "add_expense",
  "arguments": { "amount": 18.50, "category": "dining", "merchant": "Chipotle", "description": "Lunch with team" },
  "result": {
    "id": "exp_8f91a2c3",
    "amount": 18.50,
    "currency": "USD",
    "category": "dining",
    "date": "2026-08-14"
  }
}

add_expenses Bulk Write

Batch-record several expenses in a single atomic round trip. Ideal when parsing an itemized receipt or logging an entire day's spending at once.

list_expenses Read-Only

Query transactions newest-first with flexible filters for category, date range (from/to), text search across notes and merchants, limit, and offset pagination.

get_recent_expense Resolver

Resolves natural language references like "my last coffee" or "that expense I just added" into a concrete transaction ID for subsequent update or deletion.

split_expense State-Changing

Split a single large receipt (e.g. Walmart, Target, Amazon) across multiple distinct budget categories with strict mathematical sum validation.

import_expenses Bulk Ingest

High-throughput CSV importer processing up to 5,000 transactions per call with intelligent duplicate avoidance, BOM handling, and automated budget alert triggers.

find_duplicate_expenses Audit

Audits transactions within a date range to detect duplicate entries having identical date, category, amount, currency, and description.

update_expense & delete_expense Mutation

Precise CRUD mutations to modify existing amounts, categories, or descriptions, or permanently delete individual transaction rows by ID.

2. Dynamic Budgets & Rollover Engine

Create overall or category-specific spending limits across weekly, monthly, yearly, or custom date windows with carry-over rollover logic.

set_budget State-Changing

Configure spending limits. Supports weekly, monthly, yearly, and custom ranges. When rollover: 'carry' is enabled, surplus or deficits from earlier periods roll directly into the current window.

Example Rollover Carry Budget

{
  "tool": "set_budget",
  "arguments": {
    "amount": 500,
    "category": "dining",
    "period": "monthly",
    "rollover": "carry"
  },
  "result": "Set monthly \"dining\" budget to $500.00 (carry rollover)."
}

get_budget_status Read-Only

Evaluates actual spending against configured budgets. Computes spent amount, remaining allowance, percentage used, over-budget flags, and carried rollover balances.

manage_budget_templates Presets

Save, apply, list, or delete reusable multi-category budget presets (e.g. Student, Family, Freelancer, High-Savings 50/30/20).

set_alert_thresholds & get_budget_alerts Alerts

Configure granular percentage thresholds (e.g. 50%, 75%, 90%, 100%) and query categories that have crossed trigger points.

3. Analytics, Cash Flow & Visuals

Generate executive spending summaries, net cash flow reports, trendline charts, and AI spending forecasts with embedded SVG visualizations.

full_budget_report Rich Visuals

Generates a complete financial dossier for the month. Returns structured spending breakdown, budget progress, and embedded SVG pie & bar chart image blocks for clients supporting MCP image rendering.

get_cash_flow_report Cash Flow

Aggregates earned income versus outbound expenses to calculate net cash flow and overall monthly savings percentage rate.

get_spending_forecast Predictive

Predicts month-end total spend based on current daily velocity and calculates the maximum safe daily spend remaining under budget.

compare_months Comparison

Compares historical spending across 2–12 previous months and produces an embedded SVG trendline line chart.

add_income & summarize_expenses State-Changing

Log salary, freelance invoices, or dividends to maintain a full double-entry personal cash flow ledger.

4. Subscriptions, Recurring Bills & Alerts

Schedule recurring rent, utilities, and software subscriptions with automatic catch-up execution, dry-run simulation, and Resend email alerts.

set_recurring_expense Recurring

Create or update recurring charges with schedules (weekly, monthly, yearly), merchant names, and next scheduled due date.

list_recurring & apply_recurring_expenses Automation

Inspect pending bills and automatically materialize real expense records for overdue items with safe dry-run previewing.

set_budget_email_alert Email Notifications

Triggers branded Resend transactional emails with embedded CID visuals when monthly budget limits are breached by write operations.

export_expenses & get_dashboard_link Export & Magic Links

Export records to CSV, JSON, or standalone base64 PDF reports, or generate 15-minute cryptographically signed magic links to view the private UI.

5. MCP Standard Resources (URI Endpoints)

Direct URI-addressable JSON resource endpoints providing LLMs with instantaneous context snapshots without needing tool execution.

expense://recent JSON Resource

Returns the authenticated user's 20 most recent transactions formatted as clean JSON for immediate context injection.

expense://summary/current-month JSON Resource

Aggregated category totals for the active month, allowing models to answer high-level questions without query iteration.

6. Pre-Engineered MCP Financial Prompts

Standardized prompt workflows that orchestrate multi-tool analysis to give users rich executive financial reviews.

monthly_report Prompt Template

Executes full_budget_report and synthesizes total spend, top 3 categories, over-budget warnings, and 3 high-impact savings tips.

monthly_financial_review Comprehensive

Combines cash flow, budgets, spending forecast, and threshold alerts to generate a 360-degree executive financial health score.

subscription_audit Audit

Scans recurring charges and identifies dormant subscriptions, duplicate software tiers, and renegotiation opportunities.

7. Interactive Live Playground

Simulate natural language user prompts and inspect the exact MCP tool call schemas and responses generated behind the scenes.

Try sample prompt:

Model Tool Call (Input Payload) add_expense

{
  "amount": 24.50,
  "category": "dining",
  "merchant": "Chipotle",
  "description": "Lunch at Chipotle",
  "currency": "USD"
}

Server Response (Structured Result) STATUS: 200 OK

{
  "id": "exp_4a89f102",
  "amount": 24.50,
  "category": "dining",
  "merchant": "Chipotle",
  "currency": "USD",
  "date": "2026-08-14",
  "budget_status": {
    "spent": 214.50,
    "budget": 450.00,
    "remaining": 235.50
  }
}

8. 1-Click Client Setup Guides

Connect Money Copilot MCP Server to your favorite AI platform in under 2 minutes.

Method 1: Claude Custom Connector (Easiest • Remote)

1. In Claude, navigate to Settings → Connectors.
2. Click Add custom connector and paste the server URL:

https://mcp.copilotai.live/mcp

3. Complete the private sign-in prompt to authorize Claude. Your session is immediately active with all 26 tools.

Method 2: Claude Desktop Config (claude_desktop_config.json)

Add Money Copilot to your claude_desktop_config.json:

{
  "mcpServers": {
    "money-copilot": {
      "url": "https://mcp.copilotai.live/mcp/sse"
    }
  }
}

File location • macOS: ~/Library/Application Support/Claude/claude_desktop_config.json | Windows: %APPDATA%\Claude\claude_desktop_config.json

Connect to ChatGPT (Connectors & Custom GPTs)

Option A: ChatGPT Connectors (Developer Mode)
1. Open ChatGPT → Settings → Connectors → Advanced and enable developer mode.
2. Click Add connector and enter: https://mcp.copilotai.live/mcp
3. Authorize via secure zero-trust login.

Option B: Custom GPT Actions
1. In the GPT Editor, click Create new action → Import from URL: https://mcp.copilotai.live/mcp
2. Under Authentication, select OAuth 2.0 (PKCE) with Authorization URL https://money.copilotai.live/authorize.

Cursor, Windsurf & VS Code MCP Configuration

Add Money Copilot to your .cursor/mcp.json or your editor's MCP server list:

{
  "mcpServers": {
    "money-copilot": {
      "url": "https://mcp.copilotai.live/mcp/sse"
    }
  }
}

Compatible with Cursor IDE, Windsurf (Codeium), VS Code Cline, Roo Code, and Continue.dev.

Production Remote MCP Gateways

Direct protocol endpoints for custom AI orchestrators, LangChain, LlamaIndex, and SDK clients:

Streamable HTTP / Discovery:  https://mcp.copilotai.live/mcp
SSE Event Stream:             https://mcp.copilotai.live/mcp/sse
SSE Message POST:             https://mcp.copilotai.live/mcp/messages
OAuth 2.0 Authorization:      https://money.copilotai.live/authorize
Server Health Check:          https://mcp.copilotai.live/health

9. Zero-Trust Security & Isolation

Designed with uncompromising privacy engineering so your financial records never leak.

Zero Bank Credentials

No account numbers, routing codes, or banking logins are ever asked, stored, or required.

Multi-Tenant Isolation

Strict parameter binding isolates data storage by authenticated user ID.

AES-256-GCM Tokens

HttpOnly, HMAC-signed session cookies and encrypted MCP tokens protect every request.

All Money Copilot MCP Server Features