Personal Finance FAQs

Question 1

Is Personal Finance officially affiliated with Plaid?

Accepted Answer

No, Personal Finance is an unofficial, self-hosted client that utilizes the Plaid API. It is not affiliated with, endorsed by, or sponsored by Plaid Inc. You will use your own Plaid API credentials and are responsible for your Plaid compliance.

Question 2

What kind of financial information can I query with this tool?

Accepted Answer

You can query a wide range of data, including real-time account balances, detailed transaction history, identified recurring transactions and subscriptions, investment holdings, liability details (like credit card APRs and loan payments), and the health and re-authentication status of your linked financial institutions.

Question 3

What are the requirements to set up Personal Finance?

Accepted Answer

To get started, you'll need Python 3.11+, a free Plaid developer account (Trial plan) with 'Transactions', 'Liabilities', and 'Investments' products enabled, and an MCP client like Claude Code. Setup involves cloning the repository, installing dependencies, configuring Plaid API keys, and linking your bank accounts through a local helper.

Question 4

How does Personal Finance ensure data privacy and security?

Accepted Answer

As a self-hosted, single-tenant solution, you maintain full control of your data. It's read-only, meaning no tool can mutate your financial institution's state. Plaid tokens are stored securely in environment variables, never on disk, and strong emphasis is placed on gating the endpoint with authentication to prevent unauthorized access.

Question 5

What is Personal Finance?

Accepted Answer

Personal Finance is a self-hosted Model Context Protocol (MCP) server that connects your bank accounts, credit cards, loans, and investment accounts via the Plaid API. It allows you to query your personal financial data using natural language through AI clients like Claude Code, providing private, real-time insights without third-party aggregators.

Personal Finance

Personal Finance

Características Principales

Casos de Uso

Características Principales

Casos de Uso