The personal finance MCP server
Vitafin is a multi-currency money tracker that is also an MCP server. Point ChatGPT, Claude, Claude Code, Gemini, Grok, Cursor or VS Code at https://vitafin.io/mcp over streamable HTTP, sign in once with OAuth 2.1 and PKCE, and the assistant gets 63 tools over your own accounts, cards, loans, budgets, investments and shared bills. It reads and it writes: anything it logs or imports lands in a review queue in the app before it counts. The same account works on web, iPhone, Android and Windows, and costs one price set for your country, 30 INR in India, 10 AED in the UAE, US$5 in the United States, after 14 days free with no card.
https://vitafin.io/mcp
What your assistant can do
Plain language in the chat window, real rows in your ledger. Four things people ask for most:
-
"Log 850 for groceries on the ICICI card."
log_transactionwrites it in that account's currency, suggests a category from the merchant, and puts the row in your review queue. -
"Reconcile this statement against my Emirates NBD account."
reconcile_statementmatches every line, names what the app is missing and what the bank never saw, and reports the closing-balance difference. It is a dry run until you say commit. -
"What is due before the 10th?"
upcominglists recurring bills, planned one-offs, reminders, card due dates and loan payment days, with the committed outflow given per currency. -
"Split last night's dinner with Ravi and Priya."
split_transactiondivides the expense equally unless you give amounts, andpeople_balancesthen shows who owes what, per person and per currency.
The 63 tools
Grouped by what they touch. The names below are the ones you will see quoted back to you most often.
| Group | Tools | What it covers, and the names you will use most |
|---|---|---|
| Core | 12 | Accounts, transactions, categories, transfers, CSV import, the review queue.log_transaction spending_summary search_transactions |
| Manage | 18 | Corrections and deletions, card terms, loans and their payments, people, net worth.correct_transaction set_credit_card net_worth |
| More | 9 | Budgets, trends, debts, holdings, what is due, splits and settlements.upcoming budget_status split_transaction |
| Plan | 8 | Recurring rules, planned one-offs, reminders and spending limits.add_recurring_rule add_planned_expense set_budget |
| Learning | 6 | Teach it a bank alert format or a categorisation rule, then sync it to your phone.unparsed_alerts test_parse_rule save_parse_rule |
| Investments | 4 | Holdings, buys and sells, broker exports, prices entered by hand.add_holding record_lot import_holdings |
| Groups | 3 | Trip and flat ledgers, who paid, and the payments that settle everyone up.list_groups add_group_expense settle_group |
| Statements and charts | 3 | The three that do the heavy lifting on real paperwork.record_card_statement reconcile_statement chart |
That is the whole surface: 63 tools. The full list, with every argument and description, is discoverable from the server itself, so your client always sees the current set rather than this page's copy of it.
How it connects
Transport is streamable HTTP at https://vitafin.io/mcp. Authentication is OAuth 2.1 with PKCE and dynamic client registration, so there is no client ID or secret to paste anywhere: your client registers itself, you sign in with your email and a 6-digit code, and you press Allow.
Each connected client is its own session. It appears in the device list in the app, and you can revoke it there on its own, without disturbing the others. The server is listed in the official MCP Registry as io.vitafin/vitafin.
One honest note about what the model is doing. It never writes a balance directly. It calls tools that do the accounting: transfers with both legs and a rate frozen at creation, statement adjustments that move a balance without counting as spending, per-currency totals that are never summed behind your back, and a review queue in front of anything it creates. If the model is wrong, you see the row before it counts.
Compared with other finance MCP servers
There are not many first-party ones yet. Here is what can be stated plainly.
| Vitafin | Monarch | YNAB | |
|---|---|---|---|
| First-party MCP server | Yes, at vitafin.io/mcp |
None published | None published |
| In the official MCP Registry | Yes, io.vitafin/vitafin |
No first-party entry | No first-party entry |
| How a connection is authorised | OAuth 2.1 with PKCE, per-client sessions you can revoke | Community servers ask for your account credentials | Community servers ask for a personal access token |
The other difference is structural. A connection that reaches your data through a bank aggregator can be paused by that aggregator. Vitafin's cannot, because there is no aggregator in the path: transactions come from bank SMS and bank email parsed on your own device, from statements you import through the assistant, or from what you log yourself.
Last verified: 20 September 2026. This section covers only what was checked on that date, and only first-party servers published by each company.
Questions
Can a bank data partner switch it off?
No: there is no aggregator and no open banking connection in the path, so there is no third party with the ability to pause it.
Does it work outside the United States?
Yes, and that is the point of it: assistant money features that depend on US-only bank linking stop at the border, while Vitafin reads the bank messages and statements you already get wherever you live.
What does it cost?
One plan per country, 30 INR a month in India, 10 AED in the UAE, US$5 in the United States, with 14 days free and no card to start, and the MCP server is included rather than sold separately. See pricing.
Is it read-only?
No, it writes as well as reads, and what it writes waits in the review queue in the app until you confirm it.
Which assistants can connect?
Anything that speaks MCP over streamable HTTP, which today includes ChatGPT, Claude, Claude Code, Gemini, Grok, Cursor and VS Code, with step-by-step instructions for each on the connect page.
How do I revoke access?
Open the device list in the app and revoke that client's session, which cuts it off immediately and leaves your other connected clients alone.
Does it need my bank login?
No, it never asks for bank credentials, and no version of the app requests SMS permission on any platform: you paste or share the message you already received.
Which bank formats does it read today?
Seventeen rules ship with the app, covering ADCB and Emirates NBD in the UAE, HDFC, ICICI and SBI in India, Chase and Bank of America in the US, HSBC UK and Monzo in the UK, DBS in Singapore, and a generic fallback, and you can teach it a new format through the learning tools.
Getting started
Setup takes about a minute per client, and the instructions for each one are on the connect page. What it costs where you live is on the pricing page. The web app is live, the Windows build is available on request, Android is in closed testing and iPhone is next: the download page has the current state of each.