LunchMoney MCP Server
An MCP server for LunchMoney personal finance: transactions, budgets, categories and accounts exposed to agents via API v2.
- 115 ★ on the repository
- Last commit
- MIT
Broad access
Why this level
- The token opens all financial data and allows changing and deleting transactions.
- The attachment tool reads files from disk unless a folder is set.
Install
- Works in
In your terminal, with SkillFoxx CLI
npx skillfoxx add mcp/lunchmoney-mcp-serverDetects the agents on your machine, shows the access level and pins the version.
Other ways to install
Access and checks
How we reviewBroad accessThe tool can change data, run commands or handle secrets.
- The token opens all financial data and allows changing and deleting transactions.
- The attachment tool reads files from disk unless a folder is set.
This is third-party code. Review the repository files before installing.
What it does
The server connects an agent to LunchMoney and covers the full set of operations on budgeting data: transactions with filters, splits, groups and attachments, categories and tags, recurring items, budgets, manual and Plaid bank accounts, crypto holdings and balance history. Replies use the TOON encoding, which spends fewer tokens than JSON. The server runs over stdio, and an `.mcpb` bundle exists for Claude Desktop. It targets LunchMoney API v2 (alpha) and validates input before a request: unknown currency codes, empty amounts, unpaired date ranges.
Who it is for. LunchMoney users who sort expenses and budgets with an AI agent.
Good fit when
- An agent groups the monthly expenses by category and compares them with the budget.
- Receipts are attached to transactions from the `~/Receipts` folder.
- Recurring payments are reviewed and system suggestions confirmed.
- A batch of transactions has to be renamed or recategorized.
Not a fit when
- You want investment advice: the server works with your own records, not the market.
- You have no LunchMoney account and no token to get.
- You rely on the first API version: server release 2 is not compatible with it.
Example request
Show my expenses for last month by category and mark the categories over budget.MCP
- Transport
- stdio
- Authentication
- API key
Environment variables
LUNCHMONEY_API_TOKENrequired, secret- LunchMoney token from developer settings
LUNCHMONEY_DEBUG- `true` enables request and response logging to stderr
LUNCHMONEY_ATTACHMENTS_DIR- Folder that attachments may be read from
Limitations
A LunchMoney token from developer settings and Node.js 16 or newer are required. The server can modify and delete transactions, categories, tags and budgets, so the token gives full access to your books. `attach_file_to_transaction` reads files from disk: restrict the folder with `LUNCHMONEY_ATTACHMENTS_DIR`, especially for remote hosting. API v2 is alpha, and releases 2.x, 3.x and 4.x changed tool names and parameters.
How to disable. Remove the server with `claude mcp remove lunchmoney` or delete its entry from the client configuration, then revoke the token in LunchMoney developer settings.
FAQ
Where do I get the token?
In LunchMoney developer settings at `my.lunchmoney.app/developers`. Pass it through `LUNCHMONEY_API_TOKEN`.
How do I install it in Claude Desktop without a command line?
Download the `.mcpb` file from the releases page, open Extensions and choose Install Extension. The token is requested during install.
What changes after upgrading from release 2?
Release 3.0.0 removed `get_all_crypto`: replace it with `get_all_manual_crypto` and `get_all_synced_crypto`. Release 4.0.1 also rejects requests the API would refuse anyway.
How do I enable debug logging?
Set `LUNCHMONEY_DEBUG=true`. API requests and responses go to stderr.
Can the server be hosted remotely?
Yes, the README has a Remote Deployments section. For that mode restrict the attachments folder with `LUNCHMONEY_ATTACHMENTS_DIR`.
Discussion
No questions or reviews yet.
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