finly
Finly is an AI-powered personal finance intelligence server for Claude and MCP-enabled assistants.
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What it can do
- Get User Context: Get the authenticated Finly user's preferred currency and monetary-value conventions.
- Get Financial Summary: Get transaction income, spending, remaining balance, all-time balance, and loan-adjusted balance in USD. Defaults to the current month.
- List Expenses: List recent expenses or income. The amount field is converted to the user's preferred USD; originalAmount and originalCurrency preserve the entered value.
What data it sees
Do you need an account
No: the server works without sign-in
Finly is an AI-powered personal finance intelligence server for Claude and MCP-enabled assistants. Connect your finances to ask real-time financial questions, log expenses naturally, forecast cashflow, and receive proactive budget insights.
✨ Key Capabilities & Tools
- 💳 Expense Management: Log, query, and automatically categorize transactions via natural language.
- 🛡️ Safe-to-Spend Engine: Instantly calculate your daily and monthly safe-to-spend limits before making purchase decisions.
- 📊 Smart Budgets & Spend Velocity: Track budget health, detect overspending pace early, and set adaptive limits.
- 🔮 Cashflow & Impact Simulations: Simulate large purchases to see their exact impact on future savings and month-end balances.
- 🎯 Goals & Debt Payoff: Track progress toward active savings goals and calculate accelerated debt payoff timelines.
- 👥 Bill Splitting & Lending: Manage loans, split shared household bills, and track IOUs seamlessly.
- 📅 Calendar & Recurring Bills: Identify upcoming subscriptions, recurring commitments, and cashflow dips.
🔒 Privacy & Authentication
Finly implements secure OAuth 2.0 PKCE authentication and strict per-user financial isolation. Your financial data remains encrypted and private.
How to connect
How to connect finly to Claude
The server address to paste into Claude settings:
https://finly--sajjad08.run.tools
- Open Claude (claude.ai or the desktop app).
- Go to Settings → Connectors.
- Click Add custom connector.
- Paste the server address copied below into Remote MCP server URL and click Add.
- In a chat, click + → Connectors and switch the new connector on.
Custom connectors are available on Free, Pro, Max, Team and Enterprise plans (Free is limited to one). On Team and Enterprise an organization Owner adds the connector first under Organization settings → Connectors.
Authorization
After you click Add, a sign-in window for the service opens. Sign in with your own account and approve access. Claude never sees your password.
How to connect finly to ChatGPT
The server address to paste into ChatGPT settings:
https://finly--sajjad08.run.tools
- Open ChatGPT in a browser (chatgpt.com). A Plus, Pro, Business, Enterprise or Edu plan is required.
- Turn on developer mode once: Settings → Apps → Advanced settings → Developer mode.
- Open Settings → Connectors and click Create.
- Fill in the form: Name (anything), Description (one line about what the service does), MCP server URL (copy it below).
- Under Authentication choose OAuth if the service requires sign-in, otherwise None. Click Create.
- In a new chat open + → Apps/Connectors and enable the connector.
OpenAI has renamed this section before (Connectors → Apps/Plugins). If the label differs, search settings for "developer mode". On Business/Enterprise workspaces an admin must allow custom connectors first.
Authorization
On first use ChatGPT opens the service's sign-in window. Sign in and approve access.
How to connect finly to Cursor
The server address to paste into Cursor settings:
https://finly--sajjad08.run.tools
Fastest: click Open in Cursor below and confirm the prompt.
Manually:
- In Cursor open Settings → Cursor Settings → MCP and click Add new global MCP server.
- Paste the JSON copied below into
~/.cursor/mcp.json(per project:.cursor/mcp.jsonin the repo root). - Save the file. The server appears in the MCP list; authorize it there if asked.
Authorization
If the service needs sign-in, an authorize button appears next to the server in the MCP list.
Server tool list (41)
Raw names from tools/list. Only developers need these.
| get_user_context | Get the authenticated Finly user's preferred currency and monetary-value conventions. |
| get_financial_summary | Get transaction income, spending, remaining balance, all-time balance, and loan-adjusted balance in USD. Defaults to the current month. |
| list_expenses | List recent expenses or income. The amount field is converted to the user's preferred USD; originalAmount and originalCurrency preserve the entered value. |
| add_expense | Add a new expense or income transaction. Amount defaults to USD ($); foreign currencies are converted using the rate on the transaction date. |
| check_budgets | Get budgets with actual spending, remaining amount, and usage percentage in USD for a date range. Defaults to the current month. |
| can_i_afford | Evaluate whether the user can afford a proposed purchase in USD. Simulates liquid cash, safe-to-spend buffer, and monthly savings surplus. |
| list_financial_accounts | List cash, bank, investment, property, credit, and loan account balances, plus assets, liabilities, and net worth converted to the user's preferred USD. |
| list_categories | List available expense and income categories, including parent-child relationships. |
| list_money_loans | List money the user lent or borrowed in USD, with person, amount, due date, and settlement status. |
| list_recurring_bills | List detected subscriptions and recurring bills in USD, with amount, cadence, and next due date. |
| list_savings_goals | List savings goals in USD with target, saved amount, remaining amount, progress, target date, and status. |
| search_history | Search the authenticated user's receipts, notes, and chat history |
| forecast_cashflow | Forecast the end-of-month balance in USD, factoring in spending trends and upcoming recurring bills. Defaults to the current month. |
| simulate_spend | Answer "Can I afford this?" — simulate a hypothetical spend in USD to see the impact on month-end balance and matching budgets. |
| weekly_digest | Get a summary of this week's spending in USD, including top category, largest expense, and an actionable tip. |
| detect_anomaly | Check the user's most recent expense for unusual spending patterns — flags charges that are significantly above their baseline. |
| optimize_subscriptions | Detect subscription price hikes and trial endings in recurring bills. Returns actionable findings in USD. |
| compare_months | Compare income, expenses, and spending categories between two months in USD. |
| spending_streak | Track how many consecutive days the user has stayed at or under a daily spending limit in USD. Great for building spending discipline. |
| split_bill | Log a group bill as one expense for the full amount in USD and create 'lent' money-loan entries for what each other participant owes the user. |
| set_budget | Set or update a budget with a name and optional category. Amount is in USD. |
| save_money_loan | Create a new lending or borrowing entry, or update an existing one by id or person name. Amounts are in USD. |
| delete_money_loan | Delete a lending or borrowing entry by id or person name. |
| create_smart_rule | Create a rule that automatically assigns a category to future expenses/income matching a merchant or description pattern. |
| list_smart_rules | List smart rules that automatically categorize expenses or income based on merchant/description patterns. |
| delete_smart_rule | Delete a smart auto-categorization rule by id. |
| set_savings_goal | Create or update a savings goal and compute on-track progress. Amounts are in USD. |
| add_savings_contribution | Add a contribution amount (in USD) to an existing savings goal. |
| get_bill_flow_calendar | Return projected recurring bills and recorded income/expenses for a date range. |
| get_finance_dashboard | Return the calculations that power the Financial Command Center, including safe-to-spend, net worth, income, commitments, coaching, review, debt payoff, goals, and timeline. |
| preview_statement_import | Create a deduplicated preview from already-parsed statement rows. Call commit_statement_import after reviewing it. |
| commit_statement_import | Persist the new and possible-duplicate rows from a statement import preview. |
| list_statement_imports | List statement imports and their preview/completion status. |
| get_monthly_report | Return the transaction data and totals used for the monthly statement report. |
| get_tax_report | Return annual expense categories and transaction details used for the tax export. |
| update_expense | Update a transaction while preserving currency conversion, category normalization, tags, and account-balance accuracy. |
| delete_expense | Delete one transaction and reverse its primary-account balance impact. |
| bulk_delete_expenses | Delete multiple transactions and reverse each account-balance impact. |
| export_expenses | Export transactions for a date range as structured records or CSV text. |
| manage_category | Create, update, or delete an expense or income category. |
| manage_account | Create, update, or delete a financial account. |