Finlynq README
The full upstream README, mirrored here for reference. Install config, tool schemas, adoption signals, and an original overview live on the Finlynq listing page.
Finlynq
Two ways to use Finlynq: a free managed cloud at finlynq.com/cloud, or self-host with Docker.
Open-source personal finance with a first-party MCP server (54 HTTP / 89 stdio tools) so Claude, ChatGPT, Cursor, etc. can query and manage your finances.
Track your money here, analyze it anywhere.
Quick start — hosted
finlynq.com/cloud — click, register, import a CSV. No infra to manage.
A public demo lives at finlynq.com/cloud?demo=1 (credentials pre-filled, resets nightly). Connect it to Claude by pasting https://finlynq.com/mcp into Claude → Customize → Connectors.
Quick start — self-hosted
Before the first up, create a sibling .env file with three secrets, each generated with openssl rand -hex 32: PF_JWT_SECRET, PF_PEPPER (≥32 chars), and PF_STAGING_KEY (≥32 chars). Compose fails fast with a clear message if any is missing. Then open http://localhost:3000 and register. App + PostgreSQL run in Docker; sensitive fields are encrypted at rest with a per-user key derived from the account password. Change the default PostgreSQL password (POSTGRES_PASSWORD in .env) before exposing the container to anything but localhost. Full setup notes at finlynq.com/self-hosted.
Features
- 100+ MCP tools (HTTP & stdio) — read & write
- AES-256-GCM envelope encryption · scrypt-derived KEK
- CSV, Excel, OFX/QFX, PDF import
- Budgets, portfolio, goals, loans
- Natural-language AI chat
- FIRE calculator & Monte Carlo sim
- Rules & auto-categorize
- Self-host or managed cloud
- REST API + MCP (HTTP & stdio · OAuth 2.1 + DCR)
- Dark mode, mobile-friendly UI
MCP server
First-party Model Context Protocol server with 54 HTTP / 89 stdio tools covering accounts, transactions, budgets, goals, loans, portfolio, subscriptions, FX rates, rules, splits, bulk edits, and file imports.
- Claude Web / Mobile / Cursor / Windsurf — OAuth 2.1 + Dynamic Client Registration. Paste
https://finlynq.com/mcpinto the connector setup; no config file. - Claude Desktop (stdio) — point at
mcp-server/index.tswithPF_USER_IDin the env block. - Bearer API key — generate a
pf_*token in Settings → API Keys. Works for the MCP endpoint and for the REST routes under/api/. Note that apf_*key is unscoped and does not expire until you regenerate it, so treat it as full access to your account; the REST surface is what the web and mobile apps consume and its response shapes are not a stability guarantee — MCP is the supported integration surface.
Submitted to the Anthropic Connectors Directory on 2026-05-09. Full client setup, tool catalog, and the brokerage-statement recipe live in the Connect Your AI guide.
License
AGPL v3. If you run a modified version as a network service, you owe your users the source. The hosted offering at finlynq.com/cloud runs the same code as this repo.
Building something on Finlynq that can't carry that obligation? A commercial license is available, see COMMERCIAL.md.
Donation-based. No paid tiers. If Finlynq is useful to you, GitHub Sponsors or Ko-fi keep it shipping.
Docs
- CHANGELOG.md — reverse-chronological log of every shipped change
- docs/getting-started.md — first-run setup walkthrough
- docs/faq.md — common questions
- docs/mobile-setup.md — connect the companion mobile app
- Connect Your AI guide — MCP architecture, tool catalog, and per-client setup
- CONTRIBUTING.md — branching, commit style, PR flow
- SECURITY.md — vulnerability disclosure