fungible MCP
Fungible keeps personal finances in a terminal or desktop app, and Claude reads and edits the data through a local MCP server.
- 114 ★ on the repository
- Last commit
- MIT
Broad access
Why this level
- The agent gets read and write access to bank transactions and balances.
- Sync runs through Plaid with your keys.
Install
- Works in
Manual install
brew tap tomfunk/fungible && brew install fungibleAdds the tap first, then installs the terminal app through Homebrew.
Access and checks
How we reviewBroad accessThe tool can change data, run commands or handle secrets.
- The agent gets read and write access to bank transactions and balances.
- Sync runs through Plaid with your keys.
This is third-party code. Review the repository files before installing.
What it does
Fungible is a personal finance app with a terminal UI and a desktop GUI. It syncs bank accounts through Plaid, imports CSV statements and sorts spending by category and tag. Data stays local in `~/.fungible`. The MCP server gives Claude the same data: it reads transactions, searches spending and edits categories. `fungible mcp` starts a plain stdio server, while the default launch serves MCP over HTTP on port 3741 and a REST API on port 3456.
Who it is for. People who want to review a personal budget with Claude without handing statements to a cloud service.
Good fit when
- Claude has to answer from real transactions what last week went on.
- Category rules need a bulk edit after a statement import.
- Statements from several banks are merged into one clean ledger.
- Net worth is tracked in a terminal, without a browser.
Not a fit when
- You need a cloud service with a mobile client and family sharing.
- Bank data must not reach any language model.
- You need company bookkeeping, not a personal budget.
Example request
Review my spending for the last month, find subscriptions without a category and propose auto-categorization rules.MCP
- Transport
- stdio, http
- Authentication
- not required
Limitations
Bank sync goes through Plaid, so you need your own Plaid keys and account data passes through that service. The MCP tools give an agent read and write access to financial data, so connect them to your own data only. The default launch opens HTTP ports 3741 and 3456 on the machine; do not expose them to a network. The desktop app does not start MCP or the API on its own. The repository is active: last commit November 2026, MIT license.
How to disable. Remove the `fungible` entry from the MCP client configuration and stop the process. Delete data in `~/.fungible` and backups separately.
FAQ
How can I try it without a bank account?
Run `fungible --demo`. The app opens an isolated set with fictional accounts and transactions and leaves real data untouched.
How do I connect MCP to Claude Desktop?
Add a server with the command `fungible mcp` to the client configuration. It uses stdio and starts no HTTP ports.
Where are data and backups stored?
Data lives in `~/.fungible`. Daily backups are kept in `~/.fungible/backups/`, the last seven by default.
Which platforms are supported?
The terminal version installs through Homebrew or from source on Node.js 22 or newer, including Linux and WSL. Desktop installers ship for macOS arm64, Windows x64 and Linux x64.
Can I load statements without Plaid?
Yes. CSV import accepts statements from any bank with flexible column mapping, and duplicates of Plaid transactions are removed on the review screen.
Discussion
No questions or reviews yet.
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Comparison with similar tools
Cards that share the main search query, and how they differ.
| Tool | Official | Authentication | Repository stars | Main difference |
|---|---|---|---|---|
| fungible (this card) | no | not required | 114 | |
| Actual Budget MCP Server | no | key is optional | 286 | connects an agent to Actual Budget; Fungible stores the data itself and ships a terminal and desktop UI |
| Monarch Money MCP | no | API key | 433 | reads data from the cloud Monarch service; Fungible works with a local database |
README in short
The README describes one app in two forms, terminal and desktop, over shared local data. The MCP server and HTTP API are covered in separate integration documentation.