Connect your bank accounts to Claude or ChatGPT.

Ask your own money questions inside the AI you already use. Read-only via Plaid. No spreadsheet exports, no new dashboard.

Start 7-Day Free Trial

No credit card. $4.99/mo after — cancel anytime.

What FinContext is.

A read-only bank-context layer for your AI.

Headless by design — Claude or ChatGPT becomes the UI. Built on the open Model Context Protocol, so your bank context isn’t bound to one AI vendor. Read-only via Plaid. $4.99/month, 7-day free trial. How it works

Your AI, before and after FinContext

Without FinContext
“How am I doing financially?”
“I can't see your accounts directly. You'll need to log into each bank, export CSVs, and paste them here. Expect 2FA prompts, CAPTCHAs, and ‘unusual activity’ blocks — most banks flag AI browser sessions as bots. After you do all that, I'll have raw transaction strings like SQ*COFFEE 0421 with no category, no context, no comparison.”
Time cost ~2 hours, 4 banks, 3 CAPTCHAs, 1 locked-out account
With FinContext
“How am I doing financially?”
“You're tracking 6% over your usual spending pace this month. Dining out is the main driver — up 75% from your 3-month average, $340 at delivery apps alone. Your paycheck cleared on the 15th and you're still on track to end the month ~$400 positive.”
Time cost 2.1 seconds, all accounts, zero logins
What your AI can do

Questions you can ask, answered with your real numbers.

Each one runs against your actual accounts. Pick a card to see the kind of answer you’d get.

Should I pay off my $7,400 card balance or keep investing $500/mo?
Runs the math on your actual balance, APR, and contribution rate — comparing guaranteed interest saved against expected market return, with a clear recommendation.
Not a generic calculator. Your numbers, your answer.
How many months of runway do I have if I lost my job today?
Liquid cash divided by your real monthly burn — rent, utilities, cards, subscriptions — with a clear runway figure highlighted.
The one question every financial plan should answer. Most people can't.
Where did my paycheck actually go last month?
Every dollar of net income traced — fixed bills, variable spend, transfers to savings, what's left. A forensic breakdown, not a pie chart.
If you can't answer this, you don't have a budget. You have a hope.
What's my real savings rate this year?
Contributions to retirement, brokerage, and savings as a percent of gross income — the single number that predicts your financial trajectory better than any other.
The number that matters. Almost no one knows theirs.
Am I actually getting my $695 Amex annual fee back?
Tracks every card benefit you've actually used — Uber, dining, Clear, airline, Saks — across monthly, quarterly, and annual buckets. Flags credits about to expire.
Most premium cardholders leave $300+ on the table every year. FinContext sees the charges.
When can I retire early?
Projects your FIRE number from current net worth, real savings rate, and spending — then models the years to financial independence at 4% safe withdrawal.
Your actual path to FI, from your actual numbers. Not a blog post.
Start 7-Day Free Trial

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How it works

Three steps. Two minutes.

Create an account, connect your AI client, then link your banks via Plaid.

1

Create your account

Sign up in 30 seconds. 7-day free trial, no credit card required.
2

Connect your AI client

Paste your MCP server URL into Claude Desktop, ChatGPT, or any MCP-compatible client.
3

Link your bank

Link any US bank in 30 seconds via Plaid. Read-only — we never touch your money.

Then ask anything — your AI now has the data and the workflows to answer.

Who it’s for

Built for the questions you actually ask.

Multiple accounts across institutions
Six banks, two brokerages, three credit cards. You want net worth and last month’s spend without logging into anything.
Premium card holders
Amex Platinum or Chase Sapphire Reserve. You want to know if you’re actually using the $695 in benefits before they expire.
FIRE planners
Tracking real savings rate, runway, and time to FI. You want one source of truth that your AI can reason over.

We can see your transactions. We can never move your money.

Bank connectivity is powered by Plaid, which provides read-only OAuth access. FinContext never stores your banking credentials and can never initiate transfers or modify your accounts.

Read-only access
We never move your money or store your login credentials
Encrypted end-to-end
Encrypted at rest (Fernet), TLS in transit, Row-Level Security
You control your data
Disconnect banks or delete all data anytime — right to erasure built in

Works with 10,000+ US financial institutions via Plaid

Chase Bank of America Wells Fargo Citi Capital One American Express + 10,000 more

Frequently asked questions

FinContext uses Plaid, the industry-standard bank connectivity platform trusted by millions of apps, to securely link your accounts. The connection is read-only — FinContext can see your transactions and balances, but cannot move money or make changes. Setup takes about 30 seconds and works with over 10,000 US financial institutions.
Yes. FinContext uses read-only Plaid connections so it can never move your money or make transactions. Plaid access tokens are encrypted at rest (Fernet); every user’s data is isolated by Postgres row-level security, and all traffic uses TLS. You retain full control — disconnect your accounts or delete all your data at any time.
7-day free trial with full access — no credit card required. Then $4.99/month for the General tier. Expired trials retain read-only access to your existing data.
Some AI products are starting to ship native finance integrations tied to a single AI vendor and a single subscription tier. FinContext is a different shape: a read-only bank-context layer built on the open Model Context Protocol, so the same FinContext account works with Claude, ChatGPT, Cursor, Cline, Zed, and any MCP-compatible client. It’s $4.99/month standalone — independent of whichever AI subscription you happen to have. Same Plaid integration, same read-only access model, different shape.
FinContext supports any AI assistant that implements the Model Context Protocol (MCP), including Claude (Claude Desktop and Claude.ai), ChatGPT with custom connectors, and other MCP-compatible clients. As MCP adoption grows, FinContext will work with an expanding ecosystem of AI tools.
Those are great tools — but they’re another app, another dashboard, another thing to check. FinContext brings your finances into the AI you already use every day. No new habits required.
A raw bank connection gives your AI data. FinContext structures that data so your AI can compare it, flag what’s unusual, and answer specific questions about your money — the difference between a database and a clean, query-ready view of your finances.
FinContext supports over 10,000 US financial institutions through Plaid, including Chase, Bank of America, Wells Fargo, Citi, Capital One, American Express, and most credit unions. If your bank works with Venmo or Robinhood, it works with FinContext.

For AI Agents

New account: POST /api/agent-signup

Request body: {"email": "...", "password": "...", "display_name": "...", "us_resident": true, "agent_name": "Claude Desktop"}

FinContext is US-only. us_resident is a required boolean attestation.

Returns: {"api_token": "fc_...", "mcp_endpoint": "https://fincontext.ai/mcp"}

Already have an account? POST /api/agent-login

Request body: {"email": "...", "password": "...", "agent_name": "Claude Desktop"}

Returns: {"api_token": "fc_...", "mcp_endpoint": "https://fincontext.ai/mcp", "plan_tier": "..."}

After authentication:

  1. Configure MCP with Authorization: Bearer fc_...
  2. Call the link_bank tool to get a Plaid link URL
  3. Direct user to open that URL in their browser to connect their bank
  4. Poll the status tool until accounts are linked

Available MCP tools: balances, transactions, categories, update, stat, sync, feedback, help, link_bank, status

7-day free trial with full access. Then $4.99/month. Docs: /developers | /llms.txt

Your AI is ready. Give it your real numbers.

Sign up and connect your first bank account in under two minutes. Your AI will do the rest.

Start 7-Day Free Trial

No credit card. $4.99/mo after — cancel anytime.

Start 7-Day Free Trial
No credit card. $4.99/mo after — cancel anytime.