finance-agent

Conversational personal finance for Cursor:

• Bank data → Plaid CLI (plaid link, balances, transactions, …)
• Planning memory → this MCP + local SQLite (goals, monthly notes, category rules, nicknames)

No dashboard. Link accounts with the CLI, then plan in chat.

Requires Node.js 22+ and the Plaid CLI (brew install plaid/plaid-cli/plaid).

Setup

# Plaid Trial / Production (one-time)
plaid login
plaid link --products transactions,liabilities,investments

# This MCP
cp .env.example .env
npm install
npm run build

Trial plans support up to 10 linked Items.

Add to Cursor MCP

{
  "mcpServers": {
    "finance-agent": {
      "command": "node",
      "args": ["/ABSOLUTE/PATH/TO/finance-agent/dist/index.js"],
      "env": {
        "DATABASE_PATH": "/ABSOLUTE/PATH/TO/finance-agent/data/planning.db"
      }
    }
  }
}

The MCP shells out to plaid … -j, so the CLI must be on PATH for the Cursor process.

Tools

Tool	Source	Purpose
list_linked_items	CLI	Linked institutions
get_balances	CLI	Live balances
get_transactions	CLI	Transactions by date
get_liabilities	CLI	Cards/loans detail
get_investments	CLI	Holdings
summarize_cashflow	CLI + local rules	Monthly planning summary
list_goals / upsert_goal	SQLite	Persistent goals
list_plan_notes / add_plan_note	SQLite	Month-to-month notes
add_category_rule	SQLite	Merchant → category
upsert_account_nickname	SQLite	Friendly account names

Link more accounts

plaid link --products transactions,liabilities,investments
plaid item list