Copilot Money MCP Server

Get Started

Install in 2 minutes

Choose your AI client and follow the steps below. (ChatGPT Desktop only supports remote HTTPS MCP servers, so it can't use this local-stdio server directly — use Codex CLI for OpenAI tooling.)

Claude Desktop (one-click install)

1 Download the .mcpb bundle

Get the latest .mcpb file from GitHub Releases.

2 Double-click to install

Double-click the .mcpb file. Claude Desktop will install it automatically — no terminal, no config file editing.

3 Restart Claude Desktop and start asking!

"How much did I spend on food this month?" — Claude will use your Copilot Money data to answer.

All 41 tools (read + write) are enabled by default. To run read-only, open Claude Desktop → Settings → Extensions → Copilot Money MCP and toggle off the write tools you don't want.

OpenAI Codex CLI

1 Install the package

npm install -g copilot-money-mcp

2 Add to Codex config

Edit ~/.codex/config.toml (TOML format):

Read-only

[mcp_servers.copilot_money] command = "copilot-money-mcp"

Read + Write

[mcp_servers.copilot_money] command = "copilot-money-mcp" args = ["--write"]

3 Start Codex and ask about your finances!

Google Gemini CLI

1 Install the package

npm install -g copilot-money-mcp

2 Add to Gemini CLI settings

Edit ~/.gemini/settings.json:

Read-only

{ "mcpServers": { "copilot-money": { "command": "copilot-money-mcp" } } }

Read + Write

{ "mcpServers": { "copilot-money": { "command": "copilot-money-mcp", "args": ["--write"] } } }

3 Start Gemini CLI and ask about your finances!

Cursor

1 Install the package

npm install -g copilot-money-mcp

2 Add to Cursor config

Edit ~/.cursor/mcp.json:

Read-only

{ "mcpServers": { "copilot-money": { "command": "copilot-money-mcp" } } }

Read + Write

{ "mcpServers": { "copilot-money": { "command": "copilot-money-mcp", "args": ["--write"] } } }

3 Restart Cursor and start asking!

VS Code (built-in MCP, 1.102+)

1 Open the user MCP config

Press Cmd+Shift+P and run MCP: Open User Configuration (or create .vscode/mcp.json in your workspace).

2 Add the server

VS Code uses a top-level "servers" key and "type": "stdio":

Read-only

{ "servers": { "copilot-money": { "type": "stdio", "command": "npx", "args": ["-y", "copilot-money-mcp"] } } }

Read + Write

{ "servers": { "copilot-money": { "type": "stdio", "command": "npx", "args": ["-y", "copilot-money-mcp", "--write"] } } }

3 Use in Copilot Chat!

Windsurf

1 Install the package

npm install -g copilot-money-mcp

2 Add to Windsurf config

Edit ~/.codeium/windsurf/mcp_config.json:

Read-only

{ "mcpServers": { "copilot-money": { "command": "copilot-money-mcp" } } }

Read + Write

{ "mcpServers": { "copilot-money": { "command": "copilot-money-mcp", "args": ["--write"] } } }

3 Restart Windsurf and start asking!

Any MCP Client (via npx)

1 Add to your client's MCP config

Using npx means no install step needed — it downloads and runs copilot-money-mcp on demand:

Read-only

{ "mcpServers": { "copilot-money": { "command": "npx", "args": ["-y", "copilot-money-mcp"] } } }

Read + Write

{ "mcpServers": { "copilot-money": { "command": "npx", "args": ["-y", "copilot-money-mcp", "--write"] } } }

2 Restart your client and start asking!

Prefer a global install? Run npm install -g copilot-money-mcp and swap "npx" for "copilot-money-mcp" (and drop "-y", "copilot-money-mcp" from args).

See it in action

What can you do?

Ask natural language questions about your spending, investments, budgets, and more.

Analyze your spending

"How much did I spend on groceries last month?" — Get instant breakdowns by category, merchant, or time period. Spot trends and outliers effortlessly.

🎬 Drop your GIF here
demos/spending.gif

Track investments

"What's my portfolio performance this year?" — See holdings, returns, price history, and time-weighted returns across all your investment accounts.

🎬 Drop your GIF here
demos/investments.gif

Manage budgets & goals

"Am I on track with my savings goal?" — Create, update, and track budgets and financial goals using natural language.

🎬 Drop your GIF here
demos/budgets.gif

Organize transactions

"Categorize all my Uber transactions as Transport" — Bulk-edit categories, add tags, review transactions, and manage recurring charges.

🎬 Drop your GIF here
demos/organize.gif

Features

Everything you need

41 tools covering every aspect of your personal finances.

💳

Transactions

Query, filter, categorize, tag, and organize transactions. Search by merchant, category, amount, date range, and more.

📈

Investments

Portfolio holdings, price history, stock splits, time-weighted returns, and per-security performance tracking.

🎯

Budgets & Goals

Create and track budgets by category. Set savings goals with monthly progress snapshots.

🔁

Recurring Charges

Identify subscriptions and recurring bills. See frequency, monthly cost, confidence scores, and next charge dates.

🏦

Accounts & Balances

View all linked accounts with balances. Track daily, weekly, or monthly balance history over time.

🔒

Privacy First

Reads stay local — zero network. Writes sync via Copilot's own Firestore backend. No data collection, no analytics, no third parties.

Local-first, no third parties

Reads go straight to your locally cached Copilot Money database — zero network. Writes sync to your own Copilot account via the same Google Firestore backend the app already uses. Nothing is ever sent to us or any third party.

Write defaults: the Claude Desktop .mcpb bundle enables all 41 tools (disable individual write tools from Settings → Extensions). Every other client's config is read-only by default — add --write to enable.

✓ No data collection

✓ No analytics or telemetry

✓ No third-party servers

✓ Write tools toggleable per-tool

✓ Open source

Ask AI about your finances

Install in 2 minutes

Claude Desktop (one-click install)

OpenAI Codex CLI

Google Gemini CLI

Cursor

VS Code (built-in MCP, 1.102+)

Windsurf

Cline (VS Code Extension)

Any MCP Client (via npx)

What can you do?

Analyze your spending

Track investments

Manage budgets & goals

Organize transactions

Everything you need

Transactions

Investments

Budgets & Goals

Recurring Charges

Accounts & Balances

Privacy First

Local-first, no third parties

What you need

macOS

Copilot Money App

Node.js 18+