# FinContext

> FinContext is an MCP (Model Context Protocol) server for personal finance. It connects your bank accounts to Claude, ChatGPT, and any MCP-compatible AI assistant via Plaid. Ask questions about your money in plain English and get real-time answers from your actual financial data.

## What FinContext Does

FinContext acts as a secure, read-only data bridge between your bank accounts and AI assistants. It exposes structured financial tools — like `get_transactions`, `search_transactions`, `get_category_trend`, and `get_net_worth_trend` — that AI clients can call via MCP to answer your financial questions using real data.

## How It Works

1. Sign up and link your bank accounts via Plaid (read-only, 10,000+ US banks supported)
2. Connect your AI assistant using your MCP server URL
3. Ask questions in plain English — the AI calls FinContext tools to get real answers

## Key Features

- MCP server for personal finance data
- Plaid bank connectivity (read-only OAuth, never stores credentials)
- Works with Claude Desktop, Claude.ai, ChatGPT, and any MCP client
- Real-time transaction search, spending trends, net worth tracking
- AES-256 encryption at rest, TLS in transit
- Full user data control: disconnect banks or delete all data anytime
- Custom category management and transaction overrides

## Security

- Read-only Plaid connections — can never move money or initiate transfers
- AES-256 encryption at rest, TLS 1.3 in transit
- Row-level security (PostgreSQL RLS) isolates each user's data
- Right-to-delete: full account deletion with Plaid token revocation
- Data retention controls: choose 30 days, 6 months, or unlimited

## MCP Tools Available

- `get_transactions` — Fetch transactions with filtering by date, category, account
- `search_transactions` — Full-text search across merchant names and descriptions
- `get_category_trend` — Monthly spending trend for any category
- `get_multi_category_monthly` — Compare spending across multiple categories
- `get_net_worth_trend` — Track net worth over time across all accounts
- `get_spending_summary` — Total spending breakdown by category for a period
- `record_balance_snapshot` — Capture current account balances
- `update_transaction` — Override merchant name or category for a transaction
- `list_categories` — List all available spending categories

## Pricing

- Free during beta — no credit card required
- Pricing will be announced before any charges begin

## Links

- [Homepage](https://fincontext.ai/)
- [Sign Up](https://fincontext.ai/signup)
- [Log In](https://fincontext.ai/login)
- [Extended documentation for AI](https://fincontext.ai/llms-full.txt): Complete product docs with examples, comparisons, and technical details