MCP Integration

AI-Powered Financial Insights

Give AI assistants like Claude and ChatGPT secure, read-only access to your Wallet data. Ask questions about your spending, analyze budgets, and get financial insights — all in natural language.

Read-only10 ToolsSecureStreamable HTTP
AI Assistant

How much did I spend on restaurants this month?

get_records

Based on your Wallet data, you spent $482.50 on restaurants this month across 12 transactions. That's 15% more than last month.

How does that compare to my dining budget?

Your dining budget is $400/month. You're $82.50 over budget (121%). I'd suggest reviewing the 3 largest transactions to find savings.

What is MCP?

Model Context Protocol (MCP) is an open standard that lets AI assistants securely connect to external data sources. With Wallet's MCP server, your AI assistant can query your financial data in real time — no copy-pasting, no CSV exports.

You
AI Assistant
Wallet MCP Server

Natural Language Access

Ask about spending, budgets, and goals using plain English — the AI handles the data queries.

Real-Time Data

Your assistant always sees your latest transactions, balances, and budgets.

Read-Only & Secure

MCP tools can only read data. Your finances can never be modified through this integration.

Works Everywhere

Compatible with Claude Web, Claude Desktop, Claude Code, ChatGPT, and more platforms.

Available Tools

10 read-only tools organized by function

Core Financial Data

get_records

Retrieve transactions with filters for date range, category, account, labels, and amount.

get_accounts

List all accounts with current balances, currencies, and account types.

get_categories

Get the full category tree including custom categories and subcategories.

Analytics

get_records_aggregation

Aggregate spending by category, time period, or account — ideal for trend analysis.

get_records_by_id

Fetch full details of a specific transaction including notes, labels, and attachments.

Planning

get_budgets

View all budgets with spent/remaining amounts, periods, and category assignments.

get_goals

Track savings goals with progress, target amounts, and deadlines.

get_standing_orders

List recurring transactions and upcoming scheduled payments.

Organization

get_labels

Retrieve custom labels used for tagging and organizing transactions.

get_record_rules

View automation rules for automatic transaction categorization.

Setup Guide

1

Step 1: Get Your API Token

Open Wallet → Settings → Integrations and generate a JWT token. This token authenticates your AI assistant and grants read-only access to your data.

Keep your token private. You can revoke it anytime from the same settings page.

2

Step 2: Configure Your AI Platform

Choose your platform below and follow the configuration instructions.

Claude Desktop

Anthropic's desktop app for Claude

claude_desktop_config.json

Config file location:

  • macOS: ~/Library/Application Support/Claude/claude_desktop_config.json
  • Windows: %APPDATA%\Claude\claude_desktop_config.json
  • Linux: ~/.config/Claude/claude_desktop_config.json
{
  "mcpServers": {
    "wallet": {
      "command": "npx",
      "args": [
        "mcp-remote",
        "https://mcp.wallet.budgetbakers.com/",
        "--header",
        "Authorization:${AUTH_HEADER}"
      ],
      "env": {
        "AUTH_HEADER": "Bearer YOUR_TOKEN_HERE"
      }
    }
  }
}

Claude Code

Claude CLI for developers

Terminal
claude mcp add wallet \
  --transport http \
  https://mcp.wallet.budgetbakers.com/ \
  --header "Authorization: Bearer YOUR_TOKEN_HERE"

Replace YOUR_TOKEN_HERE with your JWT token from Step 1.

Claude Web (claude.ai)

Anthropic's Claude via Connectors (Pro/Max/Team/Enterprise)

Connectors

Claude Web uses Connectors with email-based authentication — add Wallet as a custom connector and authenticate with your Wallet email. No API tokens needed.

View Claude Web Setup Guide

ChatGPT

OpenAI's ChatGPT with MCP support (Plus/Pro/Max/Business/Enterprise)

OAuth

ChatGPT uses OAuth authentication instead of JWT tokens — you connect by logging in with your Wallet email directly through ChatGPT's Apps settings. No need to copy API tokens.

View ChatGPT Setup Guide

What You Can Do

“How much did I spend on groceries last month?”

Get instant spending breakdowns by category, time period, or account.

get_records

“Am I staying within my budget?”

Check budget status across all categories with spent vs. remaining amounts.

get_budgets

“What are my upcoming bills?”

See all scheduled and recurring payments with amounts and due dates.

get_standing_orders

“Show me my spending trends over the last 6 months”

Analyze aggregated spending patterns across categories and time periods.

get_records_aggregation

“How close am I to my savings goals?”

Track progress on each savings goal with amounts saved and deadlines.

get_goals

“Which categories does my salary auto-assign to?”

Review automation rules that categorize and label your transactions.

get_record_rules

Security & Privacy

Read-Only Access

MCP tools can only read your data. No transactions, accounts, or settings can ever be modified.

JWT Authentication

Every request requires a valid token with automatic expiration. No passwords are shared with AI clients.

Row-Level Security

Your token grants access only to your own data. Other users' data is never accessible.

Encrypted Transport

All communication between AI clients and the MCP server uses encrypted connections.

Instant Revocation

Revoke your API token anytime from Wallet settings. Access is terminated immediately.

Ready to connect your AI assistant?

Set up Wallet MCP in under 5 minutes and start getting AI-powered financial insights.

Get WalletExplore REST API