WealthTools MCP

Personal finance MCP server for budgeting and financial calculations.

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What it can do

  • Whoami: Returns the email address of the WealthTools account this connection is authorized for.
  • Calculate Mortgage: Calculates monthly mortgage payments, total interest paid, and loan totals.
  • Compare Mortgage Schedules: Compares a baseline mortgage payoff (no extra payments) against one or more named custom payment scenarios, e.g. an extra $500 every 2 weeks, or a $10,000 lump sum the firs

What data it sees

Do you need an account

No: the server works without sign-in

Personal finance MCP server for budgeting and financial calculations. Manage budgets and track expenses, project investment growth, calculate mortgage payments and amortization, estimate debt payoff timelines, and compute net worth. Requires a free WealthTools account.

How to connect

How to connect WealthTools MCP to Claude

The server address to paste into Claude settings:

https://wt-personal-finance-mcp--wealthtools.run.tools

  1. Open Claude (claude.ai or the desktop app).
  2. Go to Settings → Connectors.
  3. Click Add custom connector.
  4. Paste the server address copied below into Remote MCP server URL and click Add.
  5. 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 WealthTools MCP to ChatGPT

The server address to paste into ChatGPT settings:

https://wt-personal-finance-mcp--wealthtools.run.tools

  1. Open ChatGPT in a browser (chatgpt.com). A Plus, Pro, Business, Enterprise or Edu plan is required.
  2. Turn on developer mode once: Settings → Apps → Advanced settings → Developer mode.
  3. Open Settings → Connectors and click Create.
  4. Fill in the form: Name (anything), Description (one line about what the service does), MCP server URL (copy it below).
  5. Under Authentication choose OAuth if the service requires sign-in, otherwise None. Click Create.
  6. 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 WealthTools MCP to Cursor

The server address to paste into Cursor settings:

https://wt-personal-finance-mcp--wealthtools.run.tools

Fastest: click Open in Cursor below and confirm the prompt.

Manually:

  1. In Cursor open Settings → Cursor Settings → MCP and click Add new global MCP server.
  2. Paste the JSON copied below into ~/.cursor/mcp.json (per project: .cursor/mcp.json in the repo root).
  3. 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 (17)

Raw names from tools/list. Only developers need these.

whoamiReturns the email address of the WealthTools account this connection is authorized for.
calculate_mortgageCalculates monthly mortgage payments, total interest paid, and loan totals.
compare_mortgage_schedulesCompares a baseline mortgage payoff (no extra payments) against one or more named custom payment scenarios, e.g. an extra $500 every 2 weeks, or a $10,000 lump sum the first month of every year. Returns total interest paid and payoff timeline for each scenario, plus interest and time saved versus the baseline.
calculate_credit_card_payoffCalculates how long it takes to pay off credit card debt with a fixed monthly payment, including total interest and a year-by-year schedule.
calculate_investment_growthProjects compound investment growth for one or more accounts, with support for tax-deferred (401k/IRA), Roth, and annually-taxed brokerage accounts. Accounts may include per-period model_rules overrides.
calculate_net_worthCalculates current net worth from assets and liabilities, with optional multi-year projections that model investment growth and debt paydown.
list_budgetsLists the user's budgets, each with its items (categories) and recent expenses, including budgeted vs. spent vs. remaining amounts.
create_budgetCreates a new budget with one or more items (categories). Each item tracks a budgeted amount that expenses are later recorded against.
rename_budgetRenames an existing budget.
edit_budgetEdits a budget's total amount and/or date range. To add, remove, or resize categories, use add_budget_category / remove_budget_category / update_budget_category. To rename a budget, use rename_budget.
add_budget_categoryAdds a new item (category) to an existing budget.
update_budget_categoryUpdates an existing budget item's (category's) budgeted amount, name, category label, or frequency. Identify the category by name (fuzzy match) rather than an internal id.
remove_budget_categoryRemoves an item (category) and its expenses from a budget.
list_budget_expense_categoriesReturns the standard list of expense categories in WealthTools. Call this before recording or categorizing an expense so you can pick the best matching standard category (Housing, Transportation, Food & Dining, Utilities, Healthcare, Entertainment, Shopping, Personal Care, Education, Debt Payments, Savings, Investments, Other).
record_budget_expenseRecords a new expense against a budget category, e.g. "I spent 20 bucks this week on eating out." The category field must match one of the standard expense categories — call list_budget_expense_categories if unsure which to use. If the user hasn't said what to call the expense, ask them before calling this tool. Returns the category's and budget's updated spent/remaining totals.
edit_budget_expenseEdits a previously recorded budget expense's amount and/or description. Returns the category's and budget's updated spent/remaining totals.
request_budget_collaboratorCreates a shareable link to a budget and emails a collaboration invite containing it to the given address, so someone else can view and edit the budget.