Ask an AI about your money
Connect PennyFinch to Claude, ChatGPT or Gemini and ask about your spending, budgets and subscriptions — in dollars or in hours of your life.
What it does
Connecting PennyFinch lets your AI assistant read your own PennyFinch data (accounts, balances, transactions, budgets, recurring charges, goals and debts) so you can ask about your money in plain language, including what things cost in hours of your working life.
It is read-only. your AI assistant can look things up; it can't move money, change a category, or edit anything in your account.
Pick your assistant
Claude — any plan, including Free (one custom connector). PennyFinch is in Claude's connector directory.
ChatGPT — paid plans, through Developer mode on chatgpt.com.
Gemini — personal Google accounts in the US, on gemini.google.com.
Anything else that supports remote MCP servers with OAuth sign-in (Claude Code, Cursor, VS Code and others) uses the same address: https://www.pennyfinch.com/api/mcp.
Things to ask
“What did I spend by category last month?”
“Find every Amazon order in September and total them.”
“Am I over budget anywhere this month?”
“Which subscriptions renew in the next 30 days, and what do they cost a year?”
“If I put an extra $200 a month on my cards, when would I be debt-free?”
“How many hours of my life did dining out cost me last month?”
Hours of your life
PennyFinch works out your hourly wage from the income in your transactions over the past year, every time you ask — or uses a rate you set with the $ / ⏱ Hours toggle, or one you state in the conversation. If the income it can see is too low to be believable (for example, your pay lands in an account you haven't connected), it says so instead of guessing.
Privacy and control
Connecting is optional, and every connection is read-only. Whatever the assistant reads from PennyFinch is sent to the company that runs it (Anthropic, OpenAI or Google) and handled under its privacy policy; PennyFinch can't retrieve or delete data once it has been sent.
Disconnect any assistant in PennyFinch under Settings → Connect an AI assistant; access stops on the very next request. See also our Privacy Policy.
Help
Questions or problems: admin@pennyfinch.com.