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Copilot Money MCP

by ignaciohermosillacornejo

Query Copilot Money data locally, with optional live reads and GraphQL-backed write tools for personal finance workflows.

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Install Copilot Money MCP

Pick your client, then add it in one click or paste the config.

STDIONode.js
~/Library/Application Support/Claude/claude_desktop_config.json
claude_desktop_config.json
{
  "mcpServers": {
    "ignaciohermosillacornejo-copilot-money-mcp": {
      "command": "npx",
      "args": [
        "-y",
        "copilot-money-mcp"
      ]
    }
  }
}

Settings → Developer → Edit Config, merge this into mcpServers, then fully quit and reopen Claude Desktop.

Install not yet sandbox-tested— the server itself is confirmed live (we called its tools/list endpoint). The stdio install command is a separate, ongoing check.

Overview

ignaciohermosillacornejo/copilot-money-mcp connects MCP clients to Copilot Money’s macOS data, exposing finance tools for transactions, accounts, budgets, investments, recurring charges, and goals. Default reads come from the local LevelDB cache without network requests; `--live-reads` retrieves fresh data through Copilot’s GraphQL API. The optional `--write` mode adds mutation tools and automatically enables live reads. Use it for local personal-finance analysis when Copilot Money is installed on macOS, or when live account data and supported edits are needed.

Use cases

  • Analyze spending by merchant, category, date, amount, or location
  • Review net worth, account balances, and institution sync health
  • Track recurring charges, budgets, savings goals, and debt targets
  • Inspect investment holdings, returns, prices, and split events
  • Refresh cached data or query Copilot Money with live reads

Key features

  • Local LevelDB cache reads with offline operation
  • Optional live reads through Copilot’s GraphQL API
  • Transaction, account, budget, goal, and category analysis
  • Investment holdings, prices, history, and split data
  • Recurring-charge detection and subscription tracking
  • Opt-in mutation tools through write mode

Tools14

What Copilot Money MCP lets your agent do. Expand a tool for its parameters.

Verified live~3.8k tokens of context

Security & health

What it can reach and how reliably it runs — from our own checks, not the maintainer’s claims.

ActiveLast checked 1d ago

Recent health check succeeded.

17/17 checks healthy over the last 79d

What it can do

From the 14 tools this server returned when we ran it; 14 declare their own safety hints.

Read-only tools · 14
Network at startup3 connections
Files written at startupNone
Install scriptsprepare
npm provenanceSigned build
Package age278 days
Maintainers1

Observed 2026-10-18 in an isolated sandbox. A description of reach, not a security audit.

Supply-chain signal

No high-severity advisories surfaced by our automated scan.

Critical 0High 0Medium 0Low 0

Scanned 11d ago via OSV.dev · copilot-money-mcp (npm)

Adoption & maintenance

Factual signals from GitHub, npm, and our automated checks — not a rating.

GitHub stars84Stargazers on the source repository.
npm downloads911Package downloads in the last 30 days.
Last commit2d agoMost recent push to the default branch.
Tools exposed14Callable tools this server registers over MCP.
Directory activity1 viewsConfig copies, upvotes, and views on AllMCPs.

How Copilot Money MCP works

What ignaciohermosillacornejo/copilot-money-mcp MCP server does

ignaciohermosillacornejo/copilot-money-mcp exposes Copilot Money personal-finance data through the Model Context Protocol. Its coverage includes transactions, account balances, financial-institution connections, categories, recurring charges, budgets, goals, investment holdings, prices, splits, and balance or goal history.

The default operating mode is local and read-only. The server reads Copilot Money’s cached Firestore data stored in LevelDB and does not make network requests for those reads. This makes it suitable for asking questions about locally available financial history without sending requests to a project-operated service. The connected AI provider may still receive the data needed to answer prompts.

How it works

Three modes control the available tools:

  • Default mode reads the local cache and requires no Copilot authentication.
  • --live-reads uses Copilot’s GraphQL API for fresher read results and requires a browser session logged in to app.copilot.money.
  • --write enables mutation tools and automatically turns on live reads, because write operations require server-fresh transaction metadata.

The cache can lag behind Copilot Money when the macOS application has not synchronized recently. refresh_database reloads the in-memory cache, which also refreshes automatically every five minutes. get_cache_info reports the cached transaction range, count, and decode health, helping identify incomplete or degraded cached collections before analysis.

Setup and configuration

Copilot Money’s macOS App Store application and Node.js 18 or newer are prerequisites. Install the package globally with npm install -g copilot-money-mcp, then register the copilot-money-mcp command in an MCP client configuration. Claude Desktop and Cursor are documented clients; the server uses a standard command-based MCP configuration.

For live reads or writes, log in to app.copilot.money using a supported Chromium-based browser, Firefox, or Safari. The server reuses the browser session’s Firebase refresh token. If authentication is absent, the server can still start and prompts for login when the first live or write tool is called. Default cache mode does not need browser authentication.

Tools and capabilities

Transaction retrieval supports date, period, category, merchant, amount, tag, location, transaction type, transaction ID, and free-text filters. Results include normalized merchant names and readable category names. Other finance workflows include:

  • Review account balances, net worth, assets, liabilities, and hidden-account filtering.
  • Inspect institution sync health, login requirements, update timestamps, and errors.
  • Browse category lists, hierarchies, counts, amounts, and keyword matches.
  • Identify recurring charges using transaction patterns and Copilot-confirmed subscriptions.
  • Compare current-month budgets and historical monthly overrides.
  • Track savings, debt, and investment goals, including monthly progress history.
  • Analyze holdings, returns, investment prices, OHLCV data, and cached split events.
  • Retrieve daily, weekly, or monthly account balance history.

Live variants are available for selected cache-backed reads. Goal and goal-history tools remain cache-only because Copilot’s GraphQL endpoint does not expose goal data. Investment prices supplied by Copilot are already split-adjusted; split data is intended for examining corporate-action events rather than manually adjusting those prices.

Limitations and notes

This project is independent of Copilot Money and is not affiliated with or endorsed by Copilot or its parent company. Local results depend on the state and completeness of the Copilot cache, and schema-validation failures can cause documents to be omitted; the cache and connection-status tools expose health information for diagnosing this condition.

Live and write modes send HTTPS requests to Copilot’s GraphQL API and depend on a valid browser session. Write operations are opt-in and should be enabled only when mutation access is appropriate. When using a hosted AI model, financial information is shared with that model provider under its privacy and retention policies, even though this server does not operate an analytics or data-collection service.

Read the full README View source on GitHub

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Frequently Asked Questions about Copilot Money MCP

ignaciohermosillacornejo/copilot-money-mcp is an MCP server that connects AI assistants to Copilot Money’s local macOS cache and optional GraphQL API. Its main tools query transactions, accounts, budgets, goals, recurring charges, categories, investments, balances, and connections, with optional live reads and write operations.

Install it with `npm install -g copilot-money-mcp`, then add the `copilot-money-mcp` command to your MCP client configuration. Claude Desktop users can also install the latest `.mcpb` bundle from the project’s releases and restart the application.

Yes, it works with Cursor through a standard MCP server configuration. Install the npm package globally, open Cursor Settings under Features > MCP Servers, and add an entry whose command is `copilot-money-mcp`.

No for default cache reads, which use the local Copilot Money database without network access. Live reads and writes require a supported browser session logged in to app.copilot.money; the server reuses that session’s Firebase refresh token.

Start the server with `--live-reads` for GraphQL-backed reads, or use `refresh_database` to reload the local cache after Copilot Money synchronizes. Live mode requires browser authentication, while cache refresh remains local and may still reflect only data available in the app’s database.

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