Copilot Money MCP

What is Copilot Money MCP?

Copilot Money MCP is an MCP server that gives AI assistants read-only access to your Copilot Money personal finance data by reading from the locally cached Firestore database on your Mac. It runs fully locally with zero network requests and is a community-driven project not affiliated with Copilot Money.

How to use Copilot Money MCP?

Install via npm globally (npm install -g copilot-money-mcp) or download the .mcpb bundle for Claude Desktop. Configure it in your MCP client (Claude Desktop or Cursor) by adding a server entry with the command copilot-money-mcp. Optionally set environment variables like COPILOT_CACHE_TTL_MINUTES or DECODE_TIMEOUT_MS for large databases.

Key features of Copilot Money MCP

• 17 read-only tools for spending, investments, budgets, goals, and more
• 100% local reads – no network requests to external servers
• Privacy-first: no analytics, telemetry, or data collection
• Compatible with Claude Desktop, Cursor, and any MCP-compatible client
• Customizable cache time-to-live (default 5 minutes)
• Open source under MIT license

Use cases of Copilot Money MCP

• Query recent transactions, spending by category, or merchant-specific purchases
• Get net worth, account balances over time, and bank connection health
• Review investment holdings, historical prices, and time-weighted returns
• Check budget progress and goal tracking
• Identify subscriptions and recurring charges

FAQ from Copilot Money MCP

What data does Copilot Money MCP access?

It reads from Copilot Money's local Firestore cache on your Mac – all transactions, accounts, budgets, goals, holdings, and other data the app has fetched and cached.

Is my data sent to any server?

No reads are sent to any server operated by this project. However, the AI assistant you connect to (e.g., Claude, ChatGPT) will see your data and transmit it to its provider, subject to that provider's privacy policy.

What are the prerequisites?

Node.js 18+, Copilot Money (macOS App Store), and an MCP-compatible client like Claude Desktop or Cursor.

What are the known limitations?

The server depends on Copilot Money's local cache; if the cache is small or outdated, you may see missing data. To maximize cached data, browse through your finances in Copilot Money regularly.

Is Copilot Money MCP free and open source?

Yes, it is MIT licensed and free to use. It is independent and not affiliated with Copilot Money Inc.