emoney-mcp 1.0.40

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 year-end tax checklist?" · "If I save $500/month more, when do I retire?" · "Flag any unusual charges this month."
"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 my monthly review.
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?
If I save $500/month more, 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?
Are there any unusual charges this month?
What are my biggest spending categories?
How much have I spent at Amazon this year?
What are my top merchants by total spending?
Am I spending more this year than last year?
What subscriptions am I paying for?
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 monthly cash flow look like next quarter?
How much of my spending is fixed vs. discretionary?
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

What are my year-end tax action items?
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 & scenario planning

Can I afford to retire now?
If I save $1,000/month more, how much sooner can I retire?
What if I assume 8% returns — when do I hit $3M?
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?

Insurance & protection

Am I adequately insured?
How much life insurance do I need?
Do I have enough set aside for an emergency?

Transaction management

Rename the Starbucks transaction from yesterday to "Coffee with client".
Recategorize that Amazon charge as Office Supplies.
Hide the duplicate charge from last week.
Split the $200 Target purchase between Groceries and Household Supplies.
Show me all my auto-categorization rules.
What Emoney reports are available?
Get me a link to the Liquidity Report.

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Available tools (113 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
get_monthly_review	New. Structured monthly report — net worth change, investments, spending breakdown, savings rate, goal status, and action items in one call

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
get_client_profile	Household names, dates of birth, ages, and dependents (auto-fills birth_year/age for other tools)

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	Sell proceeds, dividends, interest by tax year (not realized gain/loss)
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_cash_flow_forecast	New. Projected cash flow broken into recurring fixed costs vs. discretionary spending
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
get_unusual_transactions	New. Flag charges unusually large vs. merchant or category historical average
get_merchant_spending	New. Total spending grouped by normalized merchant name
get_categories	Full spending-category name→ID map (look up the category_id used when recategorizing)

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	2026 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
get_year_end_checklist	New. Prioritized year-end tax action list with status and dollar amounts

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)
run_scenario	New. What-if projection: compare baseline vs. savings increase, return override, or retirement age change

Planning

Tool	What it answers
get_insurance_gap_analysis	Life insurance need, disability coverage need, and emergency fund adequacy from your actual income and assets

Family Financial Planning (v1.0.0 — 12 new tools)

Tool	What it answers
get_home_equity	What is our home equity and LTV?
get_fire_number	What is our FI number? How many years until we're financially independent?
get_financial_independence_roadmap	Are we on track by Fidelity's retirement benchmarks? What is our Coast FI number?
get_debt_overview	How much are we paying in interest each year? When will each debt be paid off?
get_gifting_and_estate_strategy	How much can we gift tax-free? Are we exposed to estate taxes?
get_50_30_20_analysis	What is our needs/wants/savings split? Are we following the 50/30/20 rule?
get_spending_by_account	Which card are we using most? How does each person spend?
get_upcoming_bills	What bills are due this month? Are any subscriptions overdue?
get_portfolio_concentration	Are we too concentrated in any single stock? How diversified is our portfolio?
get_net_worth_velocity	Is our net worth growing faster than last year?
get_tax_drag_analysis	How much are misplaced assets costing us in taxes? What should we move to our IRA?
get_annual_tax_advantaged_summary	How much can we still contribute to our IRA/401k/HSA this year?

Transaction Management

Tool	What it answers
update_transaction	New. Rename a transaction or change its category
hide_transaction	New. Exclude a transaction from your spending view
get_transaction_splits	New. View how a transaction is split across categories
update_transaction_splits	New. Split a transaction across multiple categories and amounts

Transaction Rules

Tool	What it answers
get_transaction_rules	New. List all Emoney auto-categorization rules
add_transaction_rule	New. Create a rule to auto-categorize future transactions
update_transaction_rule	New. Modify an existing categorization rule
delete_transaction_rule	New. Remove a categorization rule
apply_transaction_rule	Apply a rule to existing transactions (deprecated — creating a rule already categorizes its trigger and future matches)

Reports

Tool	What it answers
get_reports	New. List all available Emoney reports by family
get_report_url	New. Generate a URL to open a specific Emoney report

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
clear_cache	New. Selectively clear card or spending data cache to force fresh data
get_available_cards	New. Inventory of all responding Emoney data cards with key-type fingerprints
get_aggregation_status	New. Which linked institutions are broken/disconnected and each account's last-updated date
get_vault_documents	New. eMoney Vault top-level folders (file count, size, sharing) + total storage usage
get_all_goals_funding_status	New. Plan goals (retirement, leave-to-heirs, education/spending) with Monte Carlo success probability, surplus/shortfall, and status
get_lifetime_cash_flow_projection	New. Year-by-year lifetime cash flow — inflow/outflow/net, portfolio value, net worth, withdrawals + peak/depletion summary
get_dividend_income_analysis	New. Trailing dividends + interest, portfolio yield, top income producers
get_sector_geographic_allocation	New. Equity geography (US/Intl/EM) + style-box class detail + concentration flags
get_version	Installed version, cookie file path, and session status
get_features	List all tools with descriptions and example questions
explore_emoney_cards · explore_emoney_site · explore_snb_write_endpoints	Developer/discovery probes for finding new Emoney data sources and endpoints

Advanced Planning Calculators (v1.0.19 — 11 new tools)

Tool	What it answers
get_multi_year_tax_projection	Taxable income, bracket, and tax over N years; flags low-bracket "conversion window" years
get_roth_conversion_ladder	Multi-year Roth conversion plan filling each year's bracket up to a target rate
get_irmaa_analysis	Medicare IRMAA surcharge tier, distance to the next cliff, and the cost of crossing it
get_withdrawal_sequencing_strategy	Tax-efficient drawdown order vs. proportional, with estimated lifetime tax saved
get_retirement_income_plan	Year-by-year guaranteed income vs. spending need, withdrawal rate, and depletion age
get_emergency_fund_analysis	Months of expenses covered vs. a target, with surplus/shortfall
get_idle_cash_optimization	Low-yield cash and the annual income uplift from HYSA/MMF/T-bills
get_mortgage_amortization_schedule	Interest vs. principal over time, total interest, payoff date (+ extra payments)
get_mortgage_refinance_analysis	Monthly savings, break-even month, and lifetime interest change for a refi
get_mortgage_payoff_vs_invest	Paying down the mortgage vs. investing the difference, after tax
get_financial_alerts	One prioritized "what needs attention" list across accounts, spending, bills, and portfolio

Advanced Planning Calculators (v1.0.21 — 5 new tools)

Tool	What it answers
get_charitable_giving_strategy	Best giving vehicle — QCD, donor-advised-fund bunching, or in-kind appreciated stock — with estimated tax benefit and which lots to gift
get_tax_gain_harvesting	Room in the 0% long-term capital-gains bracket and which lots to sell to reset basis tax-free
get_state_tax_estimate	State income tax on a Roth conversion, capital gain, or withdrawal (50 states + DC; the first non-federal tax modeling)
get_healthcare_cost_projection	Lifetime retirement healthcare costs, split pre-65 (ACA) and post-65 (Medicare), inflated
get_hsa_optimization	HSA triple-tax framing, invest-vs-spend, and balance trajectory to a target age

Advanced Planning Calculators (v1.0.22 — 4 new tools)

Tool	What it answers
get_income_sources_timeline	Chronological view of when each income stream switches on (SS, pension, annuity, RMDs at 73) and when the mortgage frees cash flow; flags bridge gap years
get_portfolio_risk_metrics	Annualized volatility, max drawdown, Sharpe, and estimated beta from portfolio value history
get_benchmark_comparison	Portfolio return vs. a blended stock/bond benchmark's long-run expected return
get_sequence_of_returns_stress_test	Portfolio survival under an adverse early-returns sequence (2000/2008 starts) vs. the average case — the risk Monte Carlo averages away

Advanced Planning Calculators (v1.0.23 — 2 new tools)

Tool	What it answers
model_life_event_scenario	"What happens to the plan if ___?" — early retirement, home purchase, new child, job loss, downsizing, or a market crash, baseline vs. scenario
get_estate_liquidity_analysis	Can the estate pay its tax + debts + final expenses without a forced sale? Flags illiquid-heavy estates at risk

Planning & Account Ops (v1.0.32 — 3 new tools)

Tool	What it answers
get_long_term_care_analysis	Can we self-insure long-term care, or do we need a policy? Projects LTC cost at care age, nets out any policy benefit, vs. the portfolio grown to that age
get_real_estate_investment_analysis	Is this rental a good deal? Cap rate, NOI, cash-on-cash, DSCR, GRM, equity, and annual cash flow
refresh_account_aggregation	Force eMoney to re-pull a stale or broken linked-institution feed

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Tax planning disclaimer

Tax estimates use 2026 IRS figures (brackets, limits, LTCG thresholds). Federal tax is the default; get_state_tax_estimate adds an approximate state layer (top marginal rate, 2025 figures). Always consult a qualified tax professional before making tax decisions.

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Changelog

See the full changelog for version history.