Fino: Open-Source MCP Server for Personal Finance Analysis with Claude

Fino is an open-source MCP server built specifically for Claude that connects to bank accounts for personal finance analysis. The entire project was written using Claude Code, including the Hono API server, React dashboard, MCP tool definitions, and Drizzle ORM schema.

Technical Implementation

The MCP server runs locally on your machine and connects to bank accounts through Plaid integration. All transaction data is stored locally in SQLite with Plaid tokens encrypted using AES-256-GCM. The system supports CSV/OFX imports as an alternative to Plaid for users who prefer not to use the banking API.

Available Tools

After running npm run install-claude to register the MCP server, Claude gains access to these specific tools:

• get_transactions — query by date, category, amount, account
• get_balances — net worth breakdown across cash, credit, investments
• get_monthly_comparison — income vs spending over time
• search_transactions — find charges by merchant name
• sync_transactions — pull latest data from Plaid

Practical Use Cases

The developer demonstrates how Claude composes these tools together for real analysis. Example queries mentioned in the source include:

• "Do a spending audit of my last 90 days. Find recurring charges, things trending up, anything that looks off."
• "What's my savings rate over the last 6 months?"
• "How much have I spent at Amazon this year?"

This approach allows Claude to pull data across multiple tools and provide analysis rather than just displaying static dashboard views.

Project Details

Fino is completely free with no paid tiers, no accounts required, and no cloud components — everything runs on localhost. The developer used Claude Code to iterate on the MCP tool design until the conversational experience felt right.