Connect Your AI Assistant to BillForecast with MCP

Your finances, one question away

What if checking your budget was as simple as asking "Am I on track this month?" — and getting a real answer backed by your actual data?

BillForecast now includes a full Model Context Protocol (MCP) server that lets AI assistants read your financial data and help you manage it. No CSV exports, no copy-pasting numbers. Just ask.

What can your AI do?

We ship 14 MCP tools across two categories:

Read tools (instant answers)

• get_balances — Account balances and net worth across all accounts
• get_forecast — Cash flow projection with confidence intervals
• get_budget_status — How your budget is tracking this month
• get_upcoming_bills — Bills due soon, sorted by urgency
• get_spending_breakdown — Where your money goes, by category or tier
• search_transactions — Find any transaction with full-text search
• list_categories — All your categories with IDs and types
• list_transactions — Browse transactions by date range
• get_monthly_summary — Monthly income, expenses, net flow at a glance

Write tools (with your approval)

• record_expense — Log an expense through conversation
• record_income — Record income
• record_transfer — Move money between accounts
• adjust_balance — Reconcile account balances
• rename_category — Rename a spending category
• set_budget — Set or update a monthly budget

Every write operation uses an always-confirm flow: your AI shows a preview of what will happen, and nothing executes until you approve. Your AI assistant cannot spend your money without your explicit confirmation.

Set up in 2 minutes

1. Create a token — Go to Settings → Developer → API Tokens and create a token with read (and optionally write) scope.
2. Add the URL — Copy the ready-to-paste config for your AI client (Claude Desktop, Claude.ai, ChatGPT, Cursor, Windsurf, VS Code — we have tabs for all of them).
3. Start asking — Open your AI and ask "What are my account balances?" or "How much did I spend on food this month?"

Which AI clients work?

Any client that supports the Model Context Protocol. That includes:

• Claude Desktop and Claude.ai — Anthropic's AI assistant
• Claude Code — CLI-based AI coding assistant
• ChatGPT — with MCP connector support
• Cursor — AI-powered code editor
• Windsurf — Codeium's AI editor
• VS Code Copilot — GitHub's AI pair programmer

If your tool supports MCP, it works with BillForecast. One standard, one URL.

Privacy and security

API tokens use bcrypt-hashed storage with granular scopes. A read-only token cannot trigger write operations. Tokens can be revoked instantly, and every usage is tracked with last-used timestamps. The raw token is shown exactly once at creation — we never store it in plaintext.

Try it now

Head to Settings → Developer to create your first token, or visit the Developers page for the full setup guide with copy-paste configs for every supported client.