Documentation

Cashflow keeps track of your day-to-day money — what came in, what went out, and what’s coming up. Connect it to Claude, ChatGPT, OpenClaw, or any MCP-compatible assistant and ask about your finances in natural language.

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Server URL

https://cashflow.tech/api/mcp

Add this URL as an MCP integration in your AI client’s settings.

Setup

  1. Open Claude.ai or ChatGPT→ Settings → Integrations
  2. Click Add Integration and paste the server URL above
  3. Authorize with Google Sign-In
  4. Start a new conversation — Cashflow tools are available immediately

Claude Code: claude mcp add cashflow https://cashflow.tech/api/mcp

OpenClaw (or any self-hosted / scheduled agent): add it as a remote MCP server.

openclaw mcp set cashflow '{"url":"https://cashflow.tech/api/mcp","transport":"streamable-http","auth":"oauth"}'

A headless agent that can’t open a browser can skip OAuth: generate an access token in Settings → Access tokens and pass it as a bearer header instead.

Authentication

Cashflow uses OAuth 2.0 with PKCE. When you add the server URL, your MCP client handles the OAuth flow automatically — you just sign in with Google. No API keys needed.

To explore without connecting a bank account, click “See demo data” on the authorization page. This grants access to a sample dataset so you can try all the tools first.

Tools

query read-only

Unified financial query tool with auto-detected modes: spending summaries, grouped breakdowns, trends over time, income vs. expense reports, transaction detail, recurring bill detection, cash flow forecasting, unusual-charge detection, transfers between your accounts, and data health checks. Supports filtering by category, party (the merchant or person on the other side of a transaction), account, tags, date range, and amount.

annotate non-destructive

Classify and organize transactions. Set categories, parties, tags. Mark transfers or ignored transactions. Apply rules in bulk. Detect recurring bills and subscriptions. All changes are reversible — raw bank data is never modified.

admin write

Manage your setup: categories, category groups, parties, tags, accounts, recurring bills, and transaction rules. Supports list, create, update, rename, merge, and delete (activate/deactivate via update). Rules use a specificity-based engine with a preview-before-create workflow.

Usage Examples

In practice you just describe what you want in natural language. These show the underlying query tool parameters for reference.

Monthly spending summary

Returns income, expenses, and net totals with month-over-month comparison and an income-allocation breakdown.

{
  "period": "this_month",
  "compare": "prior_period"
}

Recurring bills audit

Lists all detected recurring charges with frequency, amounts, and a 60-day forecast of upcoming payments.

{
  "recurring": true,
  "forecast_days": 60
}

Category drill-down with anomalies

Breaks down expenses by category group with anomaly detection — spending spikes, unusual charges, and price changes.

{
  "by": [
    "group"
  ],
  "type": "expense",
  "period": "this_month",
  "include": [
    "anomalies"
  ]
}

Transaction search

Searches transaction descriptions across all time, returning individual transactions with amounts, dates, and categories.

{
  "detail": true,
  "search": "Amazon",
  "period": "last_3_months"
}

Privacy

Cashflow only accesses financial data you explicitly connect. Your data is stored securely and is never shared with third parties. See the privacy policy for details.