Copilot Money MCP

Prerequisites

• Node.js 18+ (comes bundled with Claude Desktop)
• Copilot Money (macOS App Store version)
• Claude Desktop, Cursor, or any MCP-compatible client

Local Cache Dependency

This server reads from Copilot Money's local Firestore cache, not the cloud. Firestore's offline persistence caches every document the app has ever fetched, so the local database generally contains all transactions, accounts, budgets, goals, and other data you've viewed in the app. The default Firestore cache size is 100 MB (enough for tens of thousands of transactions), and older documents are only evicted via LRU garbage collection if that limit is exceeded.

To maximize cached data: Open the Copilot Money app and browse through your data (transaction history, accounts, budgets) to ensure it has been fetched and cached locally.

Installation via Claude Desktop

1. Download the latest .mcpb bundle from Releases
2. Double-click the .mcpb file to install in Claude Desktop
3. Restart Claude Desktop
4. Start asking questions about your finances!

Installation via npm

npm install -g copilot-money-mcp

Then add to your Claude Desktop configuration (~/Library/Application Support/Claude/claude_desktop_config.json):

{
  "mcpServers": {
    "copilot-money": {
      "command": "copilot-money-mcp"
    }
  }
}

Installation for Cursor

1. Install the package globally:

   npm install -g copilot-money-mcp
   

1. Open Cursor Settings (Cmd + ,) > Features > MCP Servers

3. Add the server configuration:

   {
     "mcpServers": {
       "copilot-money": {
         "command": "copilot-money-mcp"
       }
     }
   }
   

Quick Start

Configuration

Via environment variable

DECODE_TIMEOUT_MS=600000 copilot-money-mcp

Authentication & Optional Modes

Both --live-reads and --write make authenticated calls to Copilot Money's GraphQL API at app.copilot.money/api/graphql. They require a logged-in browser session against app.copilot.money — the server reads the same Firebase refresh token the web app stores in your browser (Chrome, Arc, Safari, or Firefox).

Default mode requires no authentication and makes zero network requests — reads come from the local LevelDB cache.

Configuring via Claude Desktop / Cursor

Add the flags to the args array in your MCP config:

{
  "mcpServers": {
    "copilot-money": {
      "command": "copilot-money-mcp",
      "args": ["--write"]
    }
  }
}

Restart Claude Desktop / Cursor after editing.

Via CLI flag

copilot-money-mcp --timeout 600000

For databases over 1GB, also increase Node.js memory:

Troubleshooting