Lunchmoney MCP Server

A Model Context Protocol (MCP) server that lets you interact with your Lunchmoney transactions and budgets through Claude and other AI assistants.

What is this?

This tool allows you to connect your Lunchmoney financial data to Claude AI, so you can ask questions about your spending, analyze your budget, and get insights about your finances through a natural conversation.

Features

This server provides four main tools:

1. get-recent-transactions: View your recent transactions from the past N days
2. search-transactions: Search transactions by keyword in payee names or notes
3. get-category-spending: Analyze spending in specific categories
4. get-budget-summary: Get detailed budget information including spending, remaining amounts, and recurring items

Privacy and Data Handling

Important: MCP provides a structured way for Claude to interact with your Lunchmoney data while maintaining privacy boundaries. Here’s what you should know:

• Claude (the host) creates a client that connects to your local MCP server
• Your Lunchmoney API token stays on your local machine
• The MCP server runs locally and fetches data from Lunchmoney’s API
• You will be asked to approve each request to access your Lunchmoney data
• When you ask a question about your finances, Claude requests specific information from the MCP server
• The MCP server processes your request locally and returns only the relevant results
• Claude never has direct access to your full financial data or API token
• Only the specific information requested (like transaction summaries or budget status) is shared with Claude
• Anthropic’s data retention policies apply to these summary results that are part of your conversation
• Each server connection is isolated, maintaining clear security boundaries

You can find more about MCP in the documentaion: https://modelcontextprotocol.io/introduction

Installation

Also look at the offical Claude documentation: https://modelcontextprotocol.io/quickstart/user

Using npx

Node.js is a software platform that lets you run JavaScript code on your computer (outside of a web browser).

To install Node.js:

• Windows/Mac: Download and run the installer from the official Node.js website
• Mac with Homebrew: Run brew install node in Terminal
• Linux: Use your package manager (e.g., sudo apt install nodejs for Ubuntu)

Once Node.js is installed on your computer, you can run the server directly without downloading anything:

1. Get your Lunchmoney API token from your Lunchmoney developer settings
2. Open Claude Desktop
3. Go to Settings → Developer -> Edit Config
4. Add the following configuration:

{
  "mcpServers": {
    "lunchmoney": {
      "command": "npx",
      "args": ["-y", "lunchmoney-mcp-server"],
      "env": {
        "LUNCHMONEY_TOKEN": "your_token_here"
      }
    }
  }
}