LunchMoney MCP Server

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Manage LunchMoney personal finance: transactions, budgets, categories, and more via MCP.

How to install ↓ Compare GitHub source repository ↗

Category: Other
Stars: ★ 109 Popular
Transport: stdio (local process)
Runtime: Node.js 16+
Credentials: API key / credential required
License: MIT
Last commit: 2 months ago
Tools: 59

41FMRS · D

This server offers extensive LunchMoney API coverage but requires technical knowledge to set up. It suits personal finance automation, but users should be mindful of token security and operational risks.

Strongest · Setup experience 12/20 Weakest · Reliability 5/20

Reliability

5/20

Security and permissions

8/20

Maintenance

7/20

Documentation

9/20

Setup experience

12/20

Why each score

Reliability 5/20: Static analysis provides no code, tests, or CI configuration. README mentions tests and TS source, but this review does not execute code, so handshake or tool behavior cannot be verified. Therefore, following calibration, reliability scores low. Deductions: lack of evidence; real behavior not verified.
Security and permissions 8/20: README documents required LUNCHMONEY_API_TOKEN as environment variable and warns about restricting attachment read paths for remote deployments. No stored credentials, malicious network behavior, or unconfirmed destructive defaults observed. Maintainer warns about remote file read risk, so mitigation provided. No red-line violations found, but lack of source verification for permissions and boundaries.
Maintenance 7/20: Repository has MIT license, shows active development at version 3.0.0. README references changelog, but there are open issues. Evidence indicates releases and change history, but commit/issue response details not provided. Deductions: lack of evidence for governance and response processes.
Documentation 9/20: README is extensive, covering installation options, environment variables, tool listings, example prompts, remote deployment, development instructions, and API links, with notes on breaking changes. High quality evidence. Deductions: no troubleshooting/FAQ section, some options rely on external resources.
Setup experience 12/20: Clear client configuration examples for multiple clients (Claude Code, Codex, manual) and standalone invocation are given. Packaged as npm and .mcpb. Environment variables clearly specified. Deductions due to no execution; relies on npx and Node.js requirements.

Static review · not runListed 2026-08-07

Read the FMRS scoring method →

Fit and risk

What it can accessReads local filesUses the networkChanges third-party account data

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

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)

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

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

Setup

Before you start

Runtime：Node.js 16+

LUNCHMONEY_API_TOKEN requiredsecret Required LunchMoney API token, obtained from the developer settings at https://my.lunchmoney.app/settings/developer.

Other optional settings (1)

LUNCHMONEY_DEBUG optional Optional; set to "true" to log API requests and responses to stderr for troubleshooting.

Obtain your LunchMoney API token from https://my.lunchmoney.app/settings/developer.
Configure the server in your MCP client. You can use the MCP Bundle (.mcpb) for one-click installation in Claude Desktop, or add it via CLI:

Claude Code CLI: claude mcp add lunchmoney --transport stdio -e LUNCHMONEY_API_TOKEN=your-api-token-here -- npx -y @akutishevsky/lunchmoney-mcp
Codex CLI: codex mcp add lunchmoney --env LUNCHMONEY_API_TOKEN=your-api-token-here -- npx -y @akutishevsky/lunchmoney-mcp
Manual: Edit your client's configuration file, add mcpServers as shown in install_config above.

Restart your MCP client.
Verify the tools are available.

claude_desktop_config.json

{
  "mcpServers": {
    "lunchmoney": {
      "command": "npx",
      "args": [
        "@akutishevsky/lunchmoney-mcp"
      ],
      "env": {
        "LUNCHMONEY_API_TOKEN": "your-api-token-here",
        "LUNCHMONEY_DEBUG": "true"
      }
    }
  }
}

Shown for Claude Desktop. Other clients may use a different file or key (VS Code uses "servers") — the configurator below converts it.

.vscode/mcp.json

{
  "servers": {
    "lunchmoney": {
      "command": "npx",
      "args": [
        "@akutishevsky/lunchmoney-mcp"
      ],
      "env": {
        "LUNCHMONEY_API_TOKEN": "your-api-token-here",
        "LUNCHMONEY_DEBUG": "true"
      }
    }
  }
}

Goes in your project's .vscode/mcp.json (VS Code uses a "servers" key).

Terminal

claude mcp add lunchmoney -e LUNCHMONEY_API_TOKEN=your-api-token-here -e LUNCHMONEY_DEBUG=true -- npx @akutishevsky/lunchmoney-mcp

Run it in a terminal; replace any <…> placeholders with your own values first.

Generate and validate client config

Check that it works

After adding the server, the client's tool list should include tools like get_user and get_transactions; calling get_user and getting your LunchMoney account details confirms the connection works.

Troubleshooting

Ensure LUNCHMONEY_API_TOKEN is set correctly and valid
Check Node.js version is >=16
If debug enabled, check stderr for logs
Verify MCP client configuration format and mcpServers section
For file attachments, ensure file extension and type are correct, size ≤10MB

Things to try

Once connected, you can ask your AI assistant things like:

Show me my budget summary for this month
Find all transactions over $100 in the past week
Create a new category called 'Subscriptions' with a monthly budget of $100
Show me all my connected Plaid accounts and refresh my bank account data

Tools 59

get_user read-only

Retrieve current user details.

get_all_categories read-only

List all categories with optional filters.

get_single_category read-only

Get details for a specific category or group.

create_category writes

Create a category or category group.

update_category writes

Update category properties; replaces children list for groups.

delete_category destructive

Delete a category, optionally force override dependency check.

get_all_tags read-only

List all tags.

get_single_tag read-only

Get a tag by ID.

Show 51 more tools

create_tag writes

Create a new tag.

update_tag writes

Update tag properties.

delete_tag destructive

Delete a tag, with force option.

get_transactions read-only

List transactions with extensive filtering.

get_single_transaction read-only

Get full transaction details including splits/groups children.

create_transactions writes

Insert 1–500 transactions in one call.

update_transaction writes

Partially update a single transaction.

delete_transaction destructive

Delete one transaction (not split/group).

update_transactions_bulk writes

Bulk update 1–500 transactions.

delete_transactions_bulk destructive

Bulk delete transactions by ID.

create_transaction_group writes

Create a group from existing transactions.

delete_transaction_group destructive

Ungroup a transaction group.

split_transaction writes

Split a transaction into 2–500 children.

unsplit_transaction writes

Undo a previous split.

attach_file_to_transaction writes

Upload a local file (jpeg/png/heic/heif/pdf, ≤10MB), verifying type.

get_transaction_attachment_url read-only

Get signed download URL for an attachment.

delete_transaction_attachment destructive

Delete a file attachment.

get_recurring_items read-only

List recurring items for a date range, optionally include suggested.

get_single_recurring_item read-only

Get a recurring item by ID.

get_budget_summary read-only

Per-category budget summary with various options.

get_budget_settings read-only

Get account-wide budget period and display settings.

upsert_budget writes

Create or update a budget for a category and period.

remove_budget destructive

Remove a budget.

get_all_manual_accounts read-only

List all manually-managed accounts.

get_single_manual_account read-only

Get a manual account by ID.

create_manual_account writes

Create a new manual account.

update_manual_account writes

Update properties of a manual account.

delete_manual_account destructive

Delete a manual account, optionally delete its transactions/history.

get_all_plaid_accounts read-only

List all connected Plaid accounts.

get_single_plaid_account read-only

Get a Plaid account by ID.

trigger_plaid_fetch writes

Trigger fetch of latest data from Plaid.

get_supported_cryptocurrencies read-only

List cryptocurrencies supported for manual tracking.

add_supported_cryptocurrency writes

Add a cryptocurrency to the supported list from a CoinGecko URL.

get_all_manual_crypto read-only

List all manually-managed crypto balances.

get_single_manual_crypto read-only

Get a single manual crypto balance by ID.

create_manual_crypto writes

Create a manually-managed crypto asset.

update_manual_crypto writes

Update a manual crypto balance's details.

delete_manual_crypto destructive

Delete a manual crypto asset (irreversible).

get_all_synced_crypto read-only

List synced crypto accounts and their nested balances.

get_single_synced_crypto read-only

Get a single synced crypto account by ID.

get_synced_crypto_balance read-only

Get one balance inside a synced crypto account by symbol.

refresh_synced_crypto writes

Trigger a balance refresh for a synced crypto account.

get_balance_history read-only

Get monthly balance history across all accounts.

get_account_balance_history read-only

Get monthly balance history for one account.

upsert_account_balance_history writes

Create or update monthly balance entries for an account.

delete_account_balance_history destructive

Delete all historical balance entries for an account.

get_crypto_synced_balance_history read-only

Get monthly balance history for a synced crypto holding.

upsert_crypto_synced_balance_history writes

Create or update monthly balance entries for a synced crypto holding.

delete_crypto_synced_balance_history destructive

Delete all historical balance entries for a synced crypto holding.

delete_balance_history_entry destructive

Delete a single historical balance entry by id.

update_deleted_account_details writes

Update display details for a deleted account's balance history.

Use cases

Get account overview and details

Manage categories and tags, create category groups

Query, create, update, delete transactions with bulk and split operations

Set and track budgets, view budget summaries

Manage manual accounts and balance history

View and sync Plaid bank accounts

Manage cryptocurrency holdings and synced accounts

Analyze spending patterns, find uncategorized transactions

Supported clients

Claude Desktop

Claude Code

Codex

Listed from the project's documentation, not tested by this site.

Overview

This is a Model Context Protocol (MCP) server implementation for LunchMoney, offering programmatic access to personal finance management covering transactions, budgets, categories, tags, recurring items, manual accounts, Plaid accounts, cryptocurrency, and balance history. It targets the LunchMoney v2 API (alpha) and uses TOON encoding to reduce token usage. It supports stdio transport and can be installed as an npm package or MCP Bundle.

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Source revision c431a326c805 Data synced 2026-10-12 Read the FMRS scoring method