Moneywiz

MoneyWiz MCP Server

An MCP (Model Context Protocol) server for accessing MoneyWiz database data. This server allows ChatGPT, Claude, and other MCP-compatible clients to query your MoneyWiz financial data, analyze spending and income trends, get savings recommendations, calculate net worth, and view comprehensive financial statistics.

Features

• List Accounts: Get all accounts with balances and currencies
• Get Account Balance: Retrieve balance for a specific account
• List Transactions: View recent transactions, optionally filtered by account
• List Categories: Get all expense/income categories
• Analyze Spending Trends: Analyze spending trends by category and time period (month/year)
• Analyze Income Trends: Analyze income trends by category and time period (month/year)
• Get Savings Recommendations: Get personalized savings recommendations based on income vs spending
• Calculate Net Worth: Calculate total net worth from all accounts (assets minus liabilities)
• Get Financial Stats: Get comprehensive financial statistics from all historical data

Installation

Prerequisites

• macOS (for MoneyWiz export + Claude Desktop path conventions)
• Go 1.22+ (required when installing from source)
• MoneyWiz exported database folder containing ipadMoneyWiz.sqlite

1. Clone

git clone <repository-url>
cd moneywiz-mcp

2. One-click install (recommended)

This builds the binary, installs it to ~/.local/bin/moneywiz-mcp, and registers it in Claude clients. If you omit --db, it reuses ~/.moneywiz-mcp/ipadMoneyWiz.sqlite or imports the newest local iMoneyWiz-Data-Backup-* export automatically.

./scripts/install.sh

With explicit database path (folder/sqlite):

./scripts/install.sh --db "/path/to/iMoneyWiz-Data-Backup-2025_12_21-17_23"

./scripts/install.sh --db latest

Release downloads

Tagged releases publish:

• moneywiz-mcp-darwin-arm64
• moneywiz-mcp-darwin-amd64
• moneywiz-mcp-darwin-universal
• SHA256SUMS

The release workflow does not publish a standalone installer yet. scripts/install.sh is source-tree based and is meant to be run from this repository.

3. Import DB to a stable path (recommended)

Avoid dealing with changing export folder names by importing to: ~/.moneywiz-mcp/ipadMoneyWiz.sqlite

./scripts/import_db.sh "/path/to/iMoneyWiz-Data-Backup-2025_12_21-17_23"

Then install using the stable file:

./scripts/install.sh --db "$HOME/.moneywiz-mcp/ipadMoneyWiz.sqlite"

Or let the installer do the import automatically:

./scripts/install.sh

4. One-click rebuild + reinstall (debug/dev loop)

Use this after local code changes. It rebuilds and re-registers in one command.

./scripts/rebuild_reinstall.sh --db "/path/to/iMoneyWiz-Data-Backup-2025_12_21-17_23"

5. Manual build (optional)

go build -o moneywiz-mcp ./cmd/main.go

6. Uninstall

Remove MCP registration from Claude clients and delete installed binary:

./scripts/uninstall.sh

Non-interactive:

./scripts/uninstall.sh --yes

Export MoneyWiz Database

1. Open MoneyWiz
2. Go to Settings → Database & Export → Export database file
3. Use the exported folder that contains ipadMoneyWiz.sqlite

Usage

Running the Server

Run directly with a database folder or sqlite file:

./moneywiz-mcp -db /path/to/iMoneyWiz-Data-Backup-2025_12_21-17_23

The binary accepts either:

• Export folder path (it appends ipadMoneyWiz.sqlite)
• Direct sqlite file path
• latest (pick newest iMoneyWiz-Data-Backup-* found)
• No -db (priority order below)

Path resolution priority:

1. -db argument
2. MONEYWIZ_DB_PATH env var
3. ~/.moneywiz-mcp/ipadMoneyWiz.sqlite if present
4. Auto-detect newest export folder in common locations

MCP Client Configuration

./scripts/install.sh already handles configuration for:

• Claude Desktop (claude_desktop_config.json)
• Claude Code (claude mcp add)

Manual Configuration

Claude Desktop Configuration

{
  "mcpServers": {
    "moneywiz": {
      "command": "/Users/<you>/.local/bin/moneywiz-mcp",
      "args": ["-db", "/absolute/path/to/ipadMoneyWiz.sqlite"]
    }
  }
}

Claude Code (manual)

claude mcp add --scope user moneywiz -- /Users/<you>/.local/bin/moneywiz-mcp -db /absolute/path/to/ipadMoneyWiz.sqlite

Important: Use absolute paths.

After updating the configuration:

1. Quit Claude Desktop completely (⌘Q)
2. Reopen Claude Desktop
3. The MCP server should connect automatically

Available Tools

list_accounts

List all accounts in MoneyWiz with their balances and currencies.

Parameters: None

Example:

{
  "name": "list_accounts",
  "arguments": {}
}

get_account_balance

Get the balance for a specific account by ID.

Parameters:

• account_id (integer, required): The ID of the account

Example:

{
  "name": "get_account_balance",
  "arguments": {
    "account_id": 249
  }
}

list_transactions

List recent transactions, optionally filtered by account ID.

Parameters:

• account_id (integer, optional): Account ID to filter transactions. If not provided, returns all transactions
• limit (integer, optional): Maximum number of transactions to return (default: 50)

Example:

{
  "name": "list_transactions",
  "arguments": {
    "account_id": 249,
    "limit": 20
  }
}

list_categories

List all categories in MoneyWiz.

Parameters: None

Example:

{
  "name": "list_categories",
  "arguments": {}
}

analyze_spending_trends

Analyze spending trends by category and time period. Groups spending by month or year and provides category breakdowns.

Parameters:

• group_by (string, optional): Group by "month" or "year" (default: "month")
• months (integer, optional): Number of months to analyze (default: 6)

Example:

{
  "name": "analyze_spending_trends",
  "arguments": {
    "group_by": "month",
    "months": 6
  }
}

Returns: Array of spending trends with:

• period: Time period (YYYY-MM or YYYY)
• total_spending: Total spending for the period
• transaction_count: Number of transactions
• by_category: Map of category names to spending amounts

analyze_income_trends

Analyze income trends by category and time period. Groups income by month or year and provides category breakdowns.

Parameters:

• group_by (string, optional): Group by "month" or "year" (default: "month")
• months (integer, optional): Number of months to analyze (default: 6)

Example:

{
  "name": "analyze_income_trends",
  "arguments": {
    "group_by": "year",
    "months": 12
  }
}

Returns: Array of income trends with:

• period: Time period (YYYY-MM or YYYY)
• total_income: Total income for the period
• transaction_count: Number of transactions
• by_category: Map of category names to income amounts

get_savings_recommendations

Analyze income vs spending and get personalized savings recommendations. Provides actionable advice based on your financial patterns.

Parameters:

• months (integer, optional): Number of months to analyze (default: 6)

Example:

{
  "name": "get_savings_recommendations",
  "arguments": {
    "months": 6
  }
}

Returns: Savings analysis with:

• period: Analysis period description
• total_income: Total income for the period
• total_spending: Total spending for the period
• net_savings: Net savings (income - spending)
• savings_rate: Savings rate as percentage
• average_monthly_income: Average monthly income
• average_monthly_spending: Average monthly spending
• top_spending_categories: Top 5 spending categories with percentages
• recommendations: Array of recommendations with:
  • type: "warning", "suggestion", or "positive"
  • title: Recommendation title
  • description: Detailed recommendation
  • priority: "high", "medium", or "low"
  • impact: Potential savings amount

calculate_net_worth

Calculate total net worth from all accounts. Sums all account balances (assets minus liabilities).

Parameters: None

Example:

{
  "name": "calculate_net_worth",
  "arguments": {}
}

Returns: Net worth calculation with:

• total_assets: Sum of all positive account balances
• total_liabilities: Sum of all negative account balances (as positive values)
• net_worth: Total assets minus total liabilities
• account_count: Number of accounts included
• by_currency: Net worth broken down by currency
• accounts: Array of all accounts with balances

get_financial_stats

Get comprehensive financial statistics from all historical data. Provides overview metrics and yearly breakdowns.

Parameters: None

Example:

{
  "name": "get_financial_stats",
  "arguments": {}
}

Returns: Financial statistics with:

• total_transactions: Total number of transactions (all time)
• income_transactions: Number of income transactions
• expense_transactions: Number of expense transactions
• total_income: Total income (all time)
• total_spending: Total spending (all time)
• net_savings: Net savings (all time)
• average_transaction: Average transaction amount
• largest_income: Largest single income transaction
• largest_expense: Largest single expense transaction
• account_count: Total number of accounts
• category_count: Total number of categories
• first_transaction_date: Date of first transaction
• last_transaction_date: Date of last transaction
• date_range: Formatted date range string
• by_year: Map of yearly statistics with:
  • year: Year (YYYY)
  • income: Total income for the year
  • spending: Total spending for the year
  • net_savings: Net savings for the year
  • transaction_count: Number of transactions for the year

Database Structure

This server accesses the MoneyWiz SQLite database (ipadMoneyWiz.sqlite). The database uses Core Data's entity-attribute-value model, where most objects are stored in the ZSYNCOBJECT table with different entity types (Z_ENT):

• Entity 10, 11, 12, 13, 15, 16: Accounts (various types)
• Entity 37, 45, 46, 47: Regular transactions
• Entity 43: Transfer transactions
• Entity 19: Categories

Important Notes

• Dates: Transaction dates are stored as Core Data timestamps (seconds since 2001-01-01 UTC) and are automatically converted to ISO format
• Balances: Account balances are stored in ZBALLANCE (note the double L). If balance is 0 or NULL, it's calculated from opening balance + transactions
• Transactions: Income transactions have positive ZAMOUNT1, expense transactions have negative ZAMOUNT1
• Categories: Categories are linked to transactions via the ZCATEGORYASSIGMENT table

Development

Project Structure

moneywiz-mcp/
├── cmd/
│   └── main.go          # Main entry point
├── internal/
│   ├── database/        # Database access layer
│   │   └── database.go
│   └── server/          # MCP server implementation
│       └── server.go
├── go.mod
└── README.md

Building

go build -o moneywiz-mcp ./cmd/main.go

Validation

gofmt -l .
go build ./...
go vet ./...
go test ./... -race
bash -n scripts/*.sh

Release Validation

Before tagging a release:

gofmt -l .
go build ./...
go vet ./...
go test ./... -race
bash -n scripts/*.sh

Dependencies

• github.com/mark3labs/mcp-go - MCP server library
• github.com/mattn/go-sqlite3 - SQLite driver

License

See LICENSE file for details.