LunchMoney MCP

LunchMoney

OfficialRead-WriteBeginner

claudechatgptcursorgemini

Security Notice

Read-write server — can create and update personal transactions. Requires LunchMoney API key from account settings. Personal financial transaction data is sensitive — store API key in environment variables, never in conversation history. Write operations are limited to personal transaction management — cannot move real money or initiate payments. Global availability makes it suitable for international users, unlike most personal finance tools in this category.

LunchMoney MCP connects AI agents to your personal budget and transaction data for natural language spending analysis. Read-write — agents can log and categorize transactions alongside querying spend data. Official MCP server. Requires LunchMoney subscription at $10/month. Globally available — one of the few personal finance MCP servers that works outside the US.

About LunchMoney MCP

LunchMoney MCP is the official MCP server for LunchMoney's personal budgeting platform — giving AI agents access to personal transaction data, budget allocations, spending categories, recurring subscriptions, and linked bank account balances. Unlike most personal finance tools in this directory, LunchMoney is globally available, making it the strongest choice for users outside the US who want AI-powered personal finance analysis. Agents can query spending patterns and budget performance through natural language, and the read-write capability allows transaction logging and categorization through conversation rather than manual data entry. Write operations are limited to transaction management — no real money movement is possible. A LunchMoney subscription at $10/month is required, with the API key available from account settings.

Use Cases

Ask natural language questions about personal spending patterns without running reports manually
Analyze budget performance and identify categories where spending consistently exceeds allocation
Track recurring subscriptions and identify unused services for cancellation
Log and categorize transactions through conversation rather than manual data entry
Get monthly spending summaries and trend analysis through AI conversation

Available Tools

get_transactions

personal transactions with categories, tags, and notes

get_budgets

budget allocations and spending vs budget by category

get_categories

spending category structure and hierarchy

create_transaction

manually log a transaction

update_transaction

update category, notes, or tags on existing transactions

get_assets

manually tracked assets and balances

get_plaid_accounts

linked bank account balances

get_recurring

recurring transaction detection and subscription tracking

Pricing

LunchMoney$10/mo

LunchMoney subscription required — $10/month or $100/year. MCP server included. API access available on all paid plans. Verify current pricing at lunchmoney.app/pricing

Technical Details

Install Method

npm, api-key

Compatible Clients

claude, chatgpt, cursor, gemini

Access Type

Read-Write

Target Audience

personal

Available Regions

global

Release Status

Last Updated