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Compare scores, permissions, risks, and fit in one decision-focused table.

DimensionLunchMoney MCP ServerManage LunchMoney personal finance: transactions, budgets, categories, and more via MCP.Telegram MCP ServerTelegram MCP server powered by Telethon to let MCP clients read chats, manage groups, and send/modify messages, media, contacts, and settings.
FMRS41 / 100 · D70 / 100 · B
Reliability5 / 209 / 20
Security and permissions8 / 2016 / 20
Maintenance7 / 2014 / 20
Documentation9 / 2017 / 20
Setup experience12 / 2014 / 20
Best for
  • Individuals using LunchMoney to manage finances and wanting to automate queries and operations via AI assistants
  • Developers integrating financial data with AI workflows
  • Users who want quick setup and use of an MCP server
  • Developers who want to integrate Telegram into MCP clients like Claude
  • Automation scenarios that need to manage multiple Telegram accounts
  • Building custom Telegram bots or workflows
  • Scenarios that require secure file operation path restrictions
Not for
  • Users without a LunchMoney account or API token
  • Scenarios requiring multi-user or centralized server-side management (current config is single-user)
  • Users needing HTTP transport without self-deployment (can use Cloudflare Worker or self-hosted option)
  • Use cases requiring official Bot API features (this server uses a user client)
  • Non-technical users who want a fully managed solution
  • Multiple processes using the same session without lock management
Required permissions
  • Requires LunchMoney API token; permissions depend on token scope, may include read/write access to transactions, accounts, budgets, etc.
  • Can access the filesystem (only for attach_file_to_transaction, restricted to JPEG/PNG/HEIC/HEIF/PDF types)
  • Can make network requests to LunchMoney API
  • Requires Telegram API ID and API Hash
  • Requires the user's Telegram session string (equivalent to account access)
  • Can send messages, media, contacts, and settings to any allowed chat
  • Can create or modify groups, channels, and chat settings
  • Can access and operate on the user's media files and contacts
Risks and side effects
  • API token compromise could lead to unauthorized access and modification of financial data
  • Tools can delete transactions, accounts, balance history; accidental use may cause data loss
  • When deployed over HTTP remotely without LUNCHMONEY_ATTACHMENTS_DIR set, there is a risk of arbitrary file reads
  • Uses v2 API (alpha), subject to changes
  • Session string leakage could lead to account compromise
  • Sending messages may raise privacy or security concerns
  • Prompt injection: Telegram content may be maliciously crafted, so precautions are needed
  • Risk of using unofficial PyPI package name; avoid pip install telegram-mcp
  • Concurrent clients using the same session may cause AuthKeyDuplicatedError
Supported clientsClaude Desktop, Claude Code, CodexClaude Desktop, Cursor, Claude Code, Codex
Tools5976