Model Context Protocol

Give Your AI Agent
Real Financial Data

PennyBot runs a full MCP server. Connect ChatGPT, Claude, Gemini, Grok, Perplexity, or a desktop app that supports MCP sign-in such as Claude Code, to your transactions, accounts and reports. No key to copy.

Get Started Read the Docs

Included with every plan  ·  35 tools

Up and Running in 3 Minutes

Add PennyBot to your assistant with this address, then sign in to PennyBot when it asks.

PennyBot address 
https://pennybot.io/mcp

Choose a plan

Essentials and Professional both include AI assistant connections.

Add PennyBot to your assistant

Paste the address above where your assistant asks for a connector or server URL. Settings › AI Assistants has the steps for each one.

Sign in to PennyBot

Your assistant opens PennyBot's sign-in screen. Approve the connection; there is no key to copy or store.

Start asking

"What did I spend on software last month?" Your assistant answers from your PennyBot data.

35 Tools, Zero Setup

A complete MCP tool surface covering every financial data type in PennyBot. All tools return structured JSON — no scraping or parsing required.

Read Tools — no write access needed
list_accounts
All accounts + balances
list_connected_accounts
Connected accounts and sync status
list_transactions
Filter by date, account, category, amount
get_transaction
Full detail for one transaction
search_transactions
Search descriptions and notes
get_spending_summary
Spending by category for a period
get_income_summary
Income by source for a period
get_net_worth
Assets, liabilities, net worth today
get_user_profile
Account info and connection settings
create_session_note
Persist context across agent sessions
Write Tools — need a connection with write access
categorize_transaction
Set or clear a category
bulk_categorize
Up to 1,000 transactions at once
create_transaction
Add manual transactions
update_transaction
Edit notes, tags, description
bulk_flag
Flag/unflag up to 1,000 transactions
delete_transaction
Remove a manual transaction
Import and Rules Tools — preview, check, then write
lock_records
Lock records while you edit (30 min)
create_category_rule
Save a rule like "Uber is Travel"
preview_import
Dry run: what an import would create or skip
import_transactions
Import up to 5,000 rows per batch
find_duplicates
Match by date, amount and description
See full tool reference →

Built for Agents, Not Just APIs

MCP is the right protocol for AI agents — structured tool calls, typed schemas, streaming responses.

🔒

Sign-In, Not Keys

You approve each assistant on PennyBot's own sign-in screen and can disconnect it any time in Settings › AI Assistants. Nothing to copy, nothing to leak.

📦

Safe Imports

preview_import shows what an import would create or skip before anything is written, and lock_records guards multi-step edits.

🗒️

Session Notes

Agents can persist context across sessions with create_session_note — store goals, decisions, or in-progress state that survives conversation resets.

⚡

Streamable HTTP

Standard MCP Streamable HTTP transport with standard OAuth sign-in, including desktop apps that sign in from your own computer. No SDK lock-in.

🛡️

User-Scoped Data

Every connection is tied to exactly one PennyBot user. An assistant only sees the data of the account that signed in, on every request.

📊

Real Financial Data

Your own transactions from statement imports, your accounting software and manual entries — not synthetic examples or demo data.

What Agents Build With This

Real workflows PennyBot agents can handle end-to-end.

🤖

Monthly Close Agent

Pull all uncategorized transactions, categorize them in bulk, and summarize the month — all in one conversation.

📈

Year-End Review

Pull transactions by category (travel, meals, software), flag unusual items for review, and put together a summary for your accountant.

💬

Financial Q&A

"How much did I spend on contractors last quarter?" — your assistant calls list_transactions with filters and answers from real data, not hallucinations.

🔄

Data Migration Agent

Import historical transactions from another tool, run preview_import to catch duplicates, review the diff, then import_transactions to commit.

Connect Your Agent Today

Included with every PennyBot plan. Connect your first assistant in under a minute.

See Plans Read Full Docs