emoney-mcp 0.7.2

MCP server for Emoney Advisor financial planning

emoney-mcp

Connect your Emoney Advisor account to Claude Desktop. Ask Claude questions about your finances in plain English — no spreadsheets, no dashboards.

"How are my finances looking?" · "Am I over budget this month?" · "When will I hit $2M?"
"What's my tax bracket headroom for a Roth conversion?" · "What are my odds of not running out of money in retirement?" · "Should I claim Social Security at 62 or 70?"

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Prerequisites

• Google Chrome installed at its default location
• uv — free, one-line install
• Claude Desktop
• An active Emoney Advisor account

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Install uv (if you don't have it)

macOS / Linux

curl -LsSf https://astral.sh/uv/install.sh | sh

Windows (PowerShell)

powershell -ExecutionPolicy ByPass -c "irm https://astral.sh/uv/install.ps1 | iex"

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Add to Claude Desktop

Open your Claude Desktop config file:

• macOS: ~/Library/Application Support/Claude/claude_desktop_config.json
• Windows: %APPDATA%\Claude\claude_desktop_config.json

Add the following (create the file if it doesn't exist):

{
  "mcpServers": {
    "emoney": {
      "command": "uvx",
      "args": ["emoney-mcp@latest"],
      "env": {
        "EMONEY_SUBDOMAIN": "wealth"
      }
    }
  }
}

Restart Claude Desktop. The first startup takes ~30 seconds while dependencies download; subsequent starts are instant.

Note: If your Emoney login URL is not wealth.emaplan.com, replace "wealth" with the subdomain from your own URL (e.g. "client" for client.emaplan.com).

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First use

1. Ask Claude anything — e.g. "What's my net worth?"
2. A Chrome window opens automatically — log in with your Emoney username, password, and SMS code.
3. Your session is saved. All future questions work instantly without re-login.

Already logged into Emoney in Chrome? Ask Claude to sync_chrome_session and it will import your existing session — no new login required.

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What you can ask

Quick overview

How am I doing today?
Give me a full financial summary.
What's my financial health score?

Net worth & accounts

What's my current net worth?
How has my net worth changed over the last 6 months?
When will I hit $2 million?
How much do I have in tax-free vs. tax-deferred accounts?

Spending & budgets

Am I over budget this month?
What are my biggest spending categories?
Am I spending more this year than last year?
What subscriptions am I paying for?
How much have I spent at Costco this year?
Show me all Amazon charges over $50.

Cash flow

Will I have enough cash to cover a big purchase in 3 months?
What does my cash flow look like through year-end?
What are my recurring monthly bills?

Investments

What are my biggest holdings?
How is my portfolio performing this year?
How do I rebalance to a 60/40 allocation?
What are my realized capital gains this year?

Tax planning

How much can I convert to Roth without crossing the next bracket?
Where can I harvest tax losses this year?
What would it cost to convert $150,000 to Roth?
What's my capital gains tax exposure if I sell my concentrated positions?
How much can I still contribute to my IRA and HSA this year?
When do I have to start taking RMDs, and how much will they be?
Should I claim Social Security at 62 or wait until 70?
How much do I owe in estimated taxes each quarter?

Retirement planning

Can I afford to retire now?
How long will my money last at different withdrawal rates?
What are the odds my portfolio lasts 30 years?
Run a Monte Carlo simulation on my retirement plan.
Should I adjust my withdrawals this year given market performance?
When will I be debt-free?
Are we on track for college savings?

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Available tools (42 total)

Overview & Dashboard

Tool	What it answers
get_quick_status	5-number snapshot: net worth, portfolio change, savings rate, top spending category, goal status
get_financial_summary	Full dashboard: net worth, performance, income vs. spending, top 5 categories, goal status
get_financial_health_score	0–100 composite score (A–F) across savings rate, goal funding, debt ratio, emergency fund, diversification, net worth trend

Balance Sheet

Tool	What it answers
get_accounts	All accounts by type with balances and net worth
get_net_worth	Current net worth (assets minus liabilities)
get_net_worth_history	Monthly net worth trend (up to 60 months)
get_net_worth_breakdown	Net worth by person, liquidity, and tax treatment
get_retirement_accounts	All tax-advantaged accounts (401k, IRA, Roth, HSA, 529) with subtotals

Investments

Tool	What it answers
get_holdings	All positions: ticker, value, cost basis, unrealized gain/loss
get_asset_allocation	Allocation by asset class plus top 10 holdings
get_performance	Portfolio return today, MTD, YTD
get_transactions	Investment transactions (buys, sells, dividends)
get_capital_gains	Realized gains by tax year
get_asset_location_efficiency	A–F tax efficiency grade with swap suggestions
get_rebalancing_targets	Exact buy/sell amounts to hit a target allocation

Spending & Cash Flow

Tool	What it answers
get_spending	Spending by category for the last N months
get_spending_transactions	Bank/CC transactions with category labels
get_spending_trends	Which categories are trending up, down, or stable
get_budget_vs_actual	This month vs. rolling average; flags overspend categories
get_year_over_year	This year's YTD vs. last year same period
get_cash_flow_projection	Monthly cash flow forecast up to 24 months ahead
get_income_summary	Income sources grouped by payee
get_savings_rate	Month-by-month savings rate
search_transactions	Search by keyword, category, or amount range
get_recurring_charges	Detected subscriptions and recurring bills

Goals

Tool	What it answers
get_goals	Retirement, education, and spending goals with % funded

Tax Planning

Tool	What it answers
get_tax_bracket_headroom	Room remaining in your current bracket before the next threshold
get_tax_loss_harvesting	Taxable positions with unrealized losses ranked by size
get_contribution_room	2025 IRS limits for 401k, IRA, HSA, SIMPLE IRA, SEP IRA, 529
get_roth_conversion_analysis	Tax cost and long-term benefit of a Roth conversion
get_capital_gains_exposure	Estimated tax bill on unrealized gains if sold today
get_rmd_estimate	Required Minimum Distribution schedule (10-year projection)
get_social_security_optimizer	SS benefit at 62 / FRA / 70 with breakeven ages and spousal analysis
get_quarterly_estimated_taxes	Q1–Q4 estimated federal payment amounts and due dates

Retirement & Long-range Planning

Tool	What it answers
get_retirement_runway	Years portfolio sustains withdrawals at 3 return scenarios
get_withdrawal_rate_analysis	Annual income at 3–5% withdrawal rates projected to retirement
get_net_worth_projection	When you'll hit $500k / $1M / $2M / $5M / $10M
get_debt_payoff_plan	Avalanche vs. snowball payoff with months and total interest
get_college_savings_gap	529 funding gap and monthly contribution needed to close it
run_monte_carlo_retirement	Probability of success across 1,000+ stochastic retirement paths
get_dynamic_withdrawal_guardrails	Whether to raise, hold, or cut withdrawals (Guyton-Klinger rules)

Session Management

Tool	What it does
sync_chrome_session	Import your active Emoney session from Chrome (no re-login)
reset_session	Clear saved session and force a fresh login
get_features	List all tools with descriptions and example questions

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Tax planning disclaimer

Tax estimates use 2025 IRS figures (brackets, limits, LTCG thresholds) and cover federal tax only. Always consult a qualified tax professional before making tax decisions.

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Changelog

See the full changelog for version history.