LunchMoney MCP Server

A Model Context Protocol (MCP) server implementation for LunchMoney, providing programmatic access to personal finance management through LunchMoney's API. Also available as an MCP Bundle (.mcpb) for easy installation in Claude Desktop.

Heads up — v3.0.0 removes get_all_crypto. The crypto tools now use LunchMoney's v2 crypto endpoints, which split manual and synced holdings into separate resources and offer no combined equivalent of v1's GET /crypto. Replace get_all_crypto with get_all_manual_crypto and get_all_synced_crypto, which together return everything it did and more. update_manual_crypto also drops its currency parameter. Nothing outside the crypto domain changed; if you don't use the crypto tools, upgrading from 2.x needs no action. See CHANGELOG.md. If you depend on get_all_crypto, pin @akutishevsky/lunchmoney-mcp@^2.2.0.

Heads up — v2.0.0 is a breaking release. This server now targets LunchMoney's v2 API (https://api.lunchmoney.dev/v2, currently in alpha). It is not backwards-compatible with v1.x of this server: tool names, fields, and endpoint shapes have changed (for example, assets is now manual_accounts, tags arrays are now tag_ids, transaction asset_id is now manual_account_id, the debit_as_negative toggle is gone, and the budget summary moved to a new /summary endpoint). See CHANGELOG.md for the full list. If you depend on v1.x, pin @akutishevsky/lunchmoney-mcp@^1.4.3.

Table of Contents

• Overview
• Features
• Usage
  • Installation Options
    • MCP Bundle
    • Claude Code CLI
    • Codex CLI
    • Manual MCP Configuration
  • Standalone Server
• Remote Deployments
• Example Prompts
• Available Tools
• Development
• API Reference
• Contributing
• License

Overview

This MCP server enables AI assistants and other MCP clients to interact with LunchMoney data, allowing for automated financial insights, transaction management, budgeting, and more.

Features

Comprehensive Tool Coverage

• User Management - Access user account details
• Categories - Full CRUD on categories and category groups
• Tags - Full CRUD for transaction tags
• Transactions - Full CRUD with advanced filtering, bulk update, bulk delete, splits, groups, and file attachments
• Recurring Items - Track and manage recurring expenses, including system-suggested items
• Budgets - Per-period budget summary, account-wide budget settings, upsert, and delete
• Manual Accounts - Full CRUD for manually-managed accounts (formerly known as "assets")
• Plaid Accounts - List, retrieve, and trigger sync of connected bank accounts
• Cryptocurrency - Full CRUD for manual crypto balances, read and refresh synced crypto accounts, and manage the supported-cryptocurrency list
• Balance History - Read, upsert, and delete monthly balance history for manual, Plaid, crypto, and deleted accounts

Key Capabilities

• Full integration with LunchMoney API v2 (alpha)
• Type-safe implementation with TypeScript and Zod validation
• Token-efficient responses using TOON encoding instead of JSON, reducing token usage in AI conversations
• Modular architecture for easy extension
• Standard MCP server implementation using stdio transport

Usage

Installation Options

MCP Bundle (.mcpb) - Recommended

The easiest way to install this server is as an MCP Bundle in Claude Desktop:

1. Download the latest .mcpb file from the releases page
2. Open Claude Desktop and go to Extensions
3. Click "Install Extension" and select the downloaded .mcpb file
4. Enter your LunchMoney API token when prompted (get it from LunchMoney Developer Settings)
5. The LunchMoney tools will be immediately available

claude mcp add lunchmoney --transport stdio -e LUNCHMONEY_API_TOKEN=your-api-token-here -- npx -y @akutishevsky/lunchmoney-mcp

claude mcp add lunchmoney --transport stdio -e LUNCHMONEY_API_TOKEN=your-api-token-here -e LUNCHMONEY_DEBUG=true -- npx -y @akutishevsky/lunchmoney-mcp

claude mcp list
claude mcp get lunchmoney

codex mcp add lunchmoney --env LUNCHMONEY_API_TOKEN=your-api-token-here -- npx -y @akutishevsky/lunchmoney-mcp

codex mcp add lunchmoney --env LUNCHMONEY_API_TOKEN=your-api-token-here --env LUNCHMONEY_DEBUG=true -- npx -y @akutishevsky/lunchmoney-mcp

codex mcp list
codex mcp get lunchmoney

{
    "mcpServers": {
        "lunchmoney": {
            "command": "npx",
            "args": ["@akutishevsky/lunchmoney-mcp"],
            "env": {
                "LUNCHMONEY_API_TOKEN": "your-api-token-here",
                "LUNCHMONEY_DEBUG": "true"
            }
        }
    }
}

Standalone Server

# Run with npx
LUNCHMONEY_API_TOKEN="your-api-token" npx @akutishevsky/lunchmoney-mcp

Remote Deployments

The bundled stdio binary covers desktop MCP clients, but Claude on mobile and the custom connectors feature in claude.ai only speak HTTP. There are two ways to expose this server remotely.

Turnkey: Cloudflare Workers

lunchmoney-mcp-cloudflare wraps this package as a Cloudflare Worker with Google sign-in and an email allowlist in front of the MCP endpoint. The whole stack fits inside Cloudflare's and Google Cloud's free tiers, and a setup.sh wizard handles KV creation, OAuth client setup, secrets, and deploy in one walkthrough. Each authenticated user runs in their own Durable Object, so the config singleton stays per-user.

Self-hosted: HTTP transport on your own host