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Copilot Money MCP Server

Query and manage Copilot Money personal finances — local reads, opt-in GraphQL writes.

Publisher claimed. No tool list reported, and Pod has not connected to this server.

Status

Pod has not dialled Copilot Money yet, so everything on this page is what its publisher reported rather than what we observed. Registries describe servers; they do not connect to them. Until a check runs, treat the tool list below as a claim.

Connect

Published as copilot-money-mcp on npm. Runs locally.

Known issues

44 problems reported by people outside the maintainer team. Issues filed by the project's own owners, members and collaborators are excluded — those are release checklists and internal refactors, not things that will go wrong for you. Showing 12.

Most discussed

context-budget test reads real $HOME state, and get_connection_status embeds an unbounded scheduled-smoke report

Found while working on #632. Two related things, one a plain test bug, the other a design gap in a budgeted surface. Neither is a defect in your scheduled-smoke.ts writer — see the disclosure at the end, which matters for how you scope the fix.

1. tests/context-budget.test.ts reads real $HOME state

bun run check fails on any machine that has a ~/.claude/copilot-money/scheduled-smoke.json:

(fail) context-budget ratchet (#597) > response-size budgets (cache-mode read tools,

[Read the thread](https://github.com/ignaciohermosillacornejo/copilot-money-mcp/issues/638) · 2026-08-12 · closed · outside contributor · 2 comments

### get_transactions has no field selection — full ~35-40 field document per row is mostly unused bloat

## Summary

`get_transactions` returns the full Firestore transaction document per row — ~35-40 fields including internal IDs (`item_id`, `user_id`, `plaid_category_id`, `parent_transaction_id`), Plaid metadata (`plaid_category_strings`, `plaid_transaction_type`, `plaid_deleted`), intelligence-suggestion arrays (`intelligence_suggested_category_ids`), and assorted flags (`is_amazon`, `from_investment`, `account_dashboard_active`, `_origin`, etc.). For most spending-analysis use cases only a hand

[Read the thread](https://github.com/ignaciohermosillacornejo/copilot-money-mcp/issues/592) · 2026-08-01 · closed · outside contributor · 2 comments

### Unable to attach to server

<img width="1251" height="882" alt="Image" src="https://github.com/user-attachments/assets/2dc79c13-d089-4e0b-9bdc-ef6a3ecdda2b" />

what am I doing wrong

[Read the thread](https://github.com/ignaciohermosillacornejo/copilot-money-mcp/issues/249) · 2026-04-14 · closed · external user · 14 comments

### [Audit] Unaddressed suggestions from PR #234

## Unaddressed Review Suggestions from PR #234

**PR Title:** fix(skill): finance-trip improvements from smoke test

The following suggestions from Claude's code review were identified as potentially unaddressed:

### 1. LOW Priority

Consider moving it to a more stable section, e.g., a `## Location` or `## Personal Info` section, or at minimum placing it above the comment so it's clearly distinguished from the trip list entries.

---
*This issue was automatically created by the PR Review Audi

[Read the thread](https://github.com/ignaciohermosillacornejo/copilot-money-mcp/issues/236) · 2026-04-13 · closed · external user · 1 comment

### [Audit] Unaddressed suggestions from PR #190

## Unaddressed Review Suggestions from PR #190

**PR Title:** feat: add 6 missing tools — balance history, investment performance, TWR, securities, goal history, update recurring

The following suggestions from Claude's code review were identified as potentially unaddressed:

### 1. LOW Priority

Code change suggested: 
Both branches return the same thing. The `if/else` structure could be simplified to just `await this.loadAllCollections(); return this._balanceHistory ?? []` — but since this mi

[Read the thread](https://github.com/ignaciohermosillacornejo/copilot-money-mcp/issues/191) · 2026-04-08 · closed · external user · 1 comment

### Most recent

### [Audit] Unaddressed suggestions from PR #668

## Unaddressed review suggestions from PR #668

**PR title:** fix(decoder): key account dedup on account_id, not name and mask (#662)

### MEDIUM: getHoldings() reads db.getAccounts() without the user_deleted/user_hidden filter that get_accounts applies, so a merged/hidden account's stale twin can contribute holdings post-fix.

- **File:** `src/tools/tools.ts`:2515
- **Reviewer said:** > getHoldings — src/tools/tools.ts:2515, iterates every account's acct.holdings ... Apply the same filter and a

[Read the thread](https://github.com/ignaciohermosillacornejo/copilot-money-mcp/issues/688) · 2026-08-30 · open · external user · 0 comments

### [Audit] Unaddressed suggestions from PR #679

## Unaddressed review suggestions from PR #679

**PR title:** fix(security): stop allowlisting what the concealment gate inspects

### HIGH: checkGitAttributes strips everything after a '#' anywhere on the line, not just leading comments, so a mid-line '#' lets a diff-suppressing gitattributes entry (e.g. 'src/pay#load.ts binary') slip past the new rule.

- **File:** `scripts/check-concealment.ts`:395
- **Reviewer said:** > gitattributes(5) says "Lines that begin with # are ignored." Only at lin

[Read the thread](https://github.com/ignaciohermosillacornejo/copilot-money-mcp/issues/686) · 2026-08-30 · open · external user · 0 comments

### [Audit] Unaddressed suggestions from PR #678

## Unaddressed review suggestions from PR #678

**PR title:** docs(audits): record the 2026-08-29 completeness-guard audit

### MEDIUM: F16 was withdrawn from §3 but remains in the §5 remediation table, scheduling a non-existent finding for execution.

- **File:** `docs/audits/2026-08-29-completeness-guard-audit.md`:404
- **Reviewer said:** > `:404` still schedules a withdrawn finding... `| 6 | F11, F13, F16, F17, F18 |` ... a reader executing §5 top-to-bottom goes hunting for a defect that does

[Read the thread](https://github.com/ignaciohermosillacornejo/copilot-money-mcp/issues/682) · 2026-08-30 · open · external user · 0 comments

### [Audit] Unaddressed suggestions from PR #676

## Unaddressed review suggestions from PR #676

**PR title:** test(field-selection): discover presets instead of listing them

### HIGH: discoverStringConstants does not strip inline comments before parsing, so KNOWN_FREQUENCIES and IGNORED_ITEM_FIELDS escape discovery and are absent from PINNED.

- **File:** `tests/exported-constants.test.ts`:89
- **Reviewer said:** > Discovery is blind to any array containing an inline comment — 2 of 25 constants escape today: KNOWN_FREQUENCIES in src/models/r

[Read the thread](https://github.com/ignaciohermosillacornejo/copilot-money-mcp/issues/677) · 2026-08-30 · open · external user · 0 comments

### schema drop on holdings price fields: "expected number, received number" (app 6.4.4, mcp 2.3.0)

## Environment

- copilot-money-mcp: 2.3.0 (npm, cache-only mode, no flags)
- Copilot Money macOS app: 6.4.4 (332)
- macOS 26.3.1, Node 26.5.0

## Symptom

\`get_cache_info\` reports \`decode_health: degraded\` — 19 documents dropped: 18 in \`holdings_history\` and 1 in \`accounts\`. All drops are on holdings price fields with a confusing Zod error:

schema drop: collection=accounts docId= path=holdings.0.institution_price code=invalid_type message="Invalid input: expected number,

Read the thread · 2026-08-18 · closed · external user · 1 comment

get_accounts_live (and all --live-reads/--write tools) blocked by db.isAvailable() check even when native app isn't installed

Summary

handleCallTool() in dist/cli.js gates every tool call behind this.db.isAvailable(), which only checks for the native Copilot Money macOS app's local LevelDB cache (~/Library/Containers/com.copilot.production/...). This blocks pure live/GraphQL tools like get_accounts_live, get_connection_status, get_cache_info, etc. — which never touch this.db at all (their handlers call ctx.live.* directly, confirmed in TOOL_REGISTRY) — on any machine where the native app isn

Read the thread · 2026-08-13 · closed · external user · 0 comments

leveldb-reader: temp DB copies (copilot-leveldb-*) leak — deferred setTimeout cleanup never fires in short-lived server/worker (33GB observed)

Summary

copyDatabaseToTemp copies the Copilot LevelDB (~120 MB) into os.tmpdir() as copilot-leveldb-XXXXXX on every read, but the cleanup is deferred via setTimeout(…, TEMP_DB_CACHE_TTL) (5 min). Because the MCP server typically runs as a short-lived, per-request process — and decoding happens in a worker thread (dist/decode-worker.js) that is terminated right after it posts its result — the process/worker almost always exits before the timer fires. Pending timers

Read the thread · 2026-08-09 · closed · outside contributor · 0 comments

See all 22 reports Pod holds for Copilot Money — of 44 qualified upstream.

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