Finerd works as a remote MCP server — connect it once, then ask your AI assistant about spending, edit transactions, generate reports, and more. Read-only or read & write, your choice.
"What were my top 5 food merchants last month? Break it down by week."
"Compare my dining-out vs groceries spend by week in Q1."
"What was unusual about my spending last month vs the previous three?"
"Did my partner and I split household expenses 50/50 last quarter, and who paid more?"
Decide big things
"Can we afford a week trip to Barcelona in July at our current savings rate?"
"Can I take a year-long sabbatical at my current spending and savings rate?"
"How long until I hit a $20k emergency fund at my current pace?"
"How long until I can afford a $500k house down payment?"
Optimize
"Analyze my spending by category — which credit card would maximize my rewards?"
"Find recurring subscriptions I haven't used in 3 months."
"Where can I cut $300/month without it hurting my lifestyle?"
Manage your ledger
"Tag all my transactions from Apr 1–10 as 'NY trip'."
"Spread this $300 annual subscription evenly across the year for accrual."
"Split this $50 Whole Foods charge into $35 groceries + $15 household goods."
"Clear my Needs-review inbox — categorize what you can and mark it reviewed."
Points & rewards
"Log this month's Amex points earnings and my Hyatt free-night redemption."
"What's the cash value of my points balances across programs?"
"Which card should I put this $2,000 flight on to earn the most points?"
"Move my Bilt points to Hyatt for this stay and log the transfer."
Security
OAuth 2.1 with PKCE — your AI client never sees your finerd password.
You pick the role — Read-only or Read & Write, at sign-in time.
Revoke any time — from inside your AI client, or by re-authenticating with a different role.
Tokens expire after 30 days — automatic re-auth keeps your data fresh and your access bounded.
Advanced
Any MCP-compatible client can connect via the server URL. https://api.finerd.ai/mcp
The server implements RFC 7591 Dynamic Client Registration and RFC 8414 OAuth Authorization Server Metadata, so most modern MCP clients discover everything automatically.