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Truthifi MCP Server: Financial Tools for AI Assistants

What is an MCP server?

MCP (or Model Context Protocol) is an open standard that lets AI assistants connect to external data sources and tools. Truthifi MCP is a server built on this standard, giving AI assistants like Claude, ChatGPT, and Perplexity secure, read-only access to your real financial accounts.

Truthifi MCP

Truthifi MCP is a Model Context Protocol server that gives AI assistants secure, read-only access to your connected financial accounts. Ask questions about your portfolio, fees, performance, spending, and financial health directly in Claude, ChatGPT, Grok, Perplexity, or any MCP-compatible AI client—without copying or pasting data.

Compatible AI clients: Claude, ChatGPT, Grok, Perplexity, and any client that supports MCP.

Truthifi MCP is the only MCP server purpose-built for personal finance, connecting your AI assistant directly to your investment accounts, spending history, financial health diagnostics, and advisor data. Truthifi MCP is also the only MCP server with advisor intelligence. If you add your financial advisor to Truthifi, our MCP can analyze the accounts they manage specifically and help strengthen your relationship by generating meeting agendas and other talking points.

What you need

You’ll need an authenticated Truthifi account to get started. Most of our MCP tools also require at least one connected financial account in order to work, and some tools require a paid subscription to access. Once connected, your assistant can discover the tools automatically. You ask questions in plain language, it picks the right tool. (Example values are illustrative, not real account data.)

The Truthifi MCP server uses the Streamable HTTP transport at a single endpoint:

https://api.truthifi.com/mcp

How it works

Read-only by default. Nearly every tool only reads your data; the two write tools, run_scan and create_asset_liability, are clearly marked.

You choose the fields. Read tools take an include list, so only the needed fields come back. Example outputs below show a representative, fuller set.

Account scope. Most tools accept an optional accountIds list. Omit it for your whole portfolio.

Get clarification anytime. Ask Claude: "how do I use get_transactions?" and your agent will be able to explain it to you.

Plans & credits

Our MCP server is available to all Truthifi plans. Generally speaking, the more you pay, the more daily and monthly credits and connections to financial institutions are included in your plan.

PLAN

Connect Explore

Connect Pro

Connect Max

Free Checkup

Monitoring

Monitoring Plus+

Cost

Free

Paid

Free

Paid

Credits

credits/day

Credits

5/day, 25/mo

20/day, 75/mo

75/day, 400/mo

5/day, 25/mo

25/day, 150/mo

75/day, 500/mo

tool

Explore

pro

Max

free checkup

checkup

monitoring

Monitoring+

Notes

get_accounts

get_groups

get_advisors

Advisor data is sourced from FINRA and SEC regulatory filings and updated periodically.

get_dated_holdings

Sector, industry, and country breakdown fields are only available on Connect Pro / Connect Max / Monitoring / Monitoring Plus+. Not available on Connect Explore or Free Checkup.

get_composition

get_equity_concentrations

get_market_cap_allocation

get_balance_history

get_performance_history

get_fees

Available on Connect Max and Monitoring / Monitoring Plus+ only. Not available on Connect Explore or Connect Pro.

get_transactions

pageSize limit per call: 20 on Connect Explore / Free Checkup; 100 on Connect Pro / Monitoring; 150 on Connect Max / Monitoring Plus+.

get_budget_flow_summary

Credit card payments and investment income are excluded from totals to avoid double-counting.

get_asset_liabilities

create_asset_liability

Free tool — 0 credits. Always call with confirmed: false first to preview; only call with confirmed: true after explicit user approval. This is the only write tool in the Truthifi MCP.

get_findings

Findings are generated from the most recent scan. Truthifi runs nightly automatic scans. For same-day results, call run_scan first (costs 3 credits), then get_findings.

get_truthifi_score_history

get_security_info

Lookup limit: 3 securities per call on Connect Explore / Free Checkup; 15 on all paid tiers.

get_security_news

Identifier mode only works with equity tickers — not fund tickers. Use keyword mode for news about a market theme or sector.

get_truthifi_info

run_scan

Costs 3 credits per call. Only call when the user explicitly requests a refresh. Nightly automatic refreshes are included in the plan at no credit cost.

get_scan_status

Free to call — polling does not consume credits.

delete_asset_liability

Costs 1 credit. Always confirm with the user before calling — deletion is permanent and cannot be undone. Call get_asset_liabilities first to obtain the correct ID.

get_subscription_info

Free tool — 0 credits. Recommended as the first call in any agentic session to confirm plan access and remaining credit balance before making other tool calls.

Each tool call costs 1 credit, with a few exceptions: run_scan costs 3 credits, since it triggers a live data refresh directly from your financial institution.

get_transactions results are paginated. The number of transactions returned per call depends on your plan: 20 on Connect Explore and Free Checkup; 100 on Connect Pro and Monitoring; 150 on Connect Max and Monitoring Plus+.

get_truthifi_info (help and financial education) and get_scan_status are both free on all tiers.

Tools

Linked Accounts

get_accounts

Linked Accounts

Account Groups

get_groups

Account Groups

Financial Advisors

get_advisors

Financial Advisors

Holdings Snapshot

get_dated_holdings

Holdings Snapshot

Portfolio Composition

get_composition

Portfolio Composition

Equity Concentrations

get_equity_concentrations

Equity Concentrations

Market Cap Allocation

get_market_cap_allocation

Market Cap Allocation

Balance History

get_balance_history

Balance History

Performance History

get_performance_history

Performance History

Investment Fees

get_fees

Investment Fees

Transactions

get_transactions

Transactions

Spending Summary

get_budget_flow_summary

Spending Summary

Manually Tracked Assets & Liabilities

get_asset_liabilities

Manually Tracked Assets & Liabilities

Add Asset or Liability

create_asset_liability

Add Asset or Liability

Financial Health Findings

get_findings

Financial Health Findings

Truthifi Score History

get_truthifi_score_history

Truthifi Score History

Security Details

get_security_info

Security Details

Security News

get_security_news

Security News

Truthifi Knowledge Base

get_truthifi_info

Truthifi Knowledge Base

Run Scan

run_scan

Run Scan

Scan Status

get_scan_status

Scan Status

Delete Asset or Liability

delete_asset_liability

Delete Asset or Liability

Subscription Info

get_subscription_info

Subscription Info

Having trouble connecting Truthifi MCP? See the connection troubleshooting guide.

Frequently asked questions

Get started—it’s free

What is the Truthifi MCP?

Truthifi MCP is a Model Context Protocol server that connects AI assistants to your real financial accounts. It gives tools like Claude, ChatGPT, Grok, and Perplexity secure, read-only access to your portfolio, spending history, investment fees, financial health diagnostics, and advisor data—so you can ask questions about your finances in plain language and get answers based on your actual numbers.

Which AI assistants work with Truthifi MCP?

Truthifi MCP works with any AI client that supports the Model Context Protocol, including Claude, ChatGPT, Grok, and Perplexity. Once connected, your assistant discovers Truthifi's tools automatically—no manual setup per tool required.

What can I ask my AI assistant with Truthifi MCP connected?

Anything about your finances. Examples: "What are my biggest investment fees this year?" "How is my portfolio allocated across asset classes?" "Am I beating the market?" "Show me my spending by category last month." "Does my financial advisor have any disclosures?" Your assistant picks the right Truthifi tool automatically and answers using your real account data.

Is Truthifi MCP safe to use?

Yes. Truthifi MCP is read-only by default—your AI assistant can view your financial data but cannot move money, place trades, or make changes to your accounts. The only exceptions are run_scan (which refreshes your data on demand) and create_asset_liability (which lets you manually add assets like real estate or vehicles, with your explicit confirmation before anything is saved).

What financial institutions does Truthifi MCP support?

Truthifi connects to over 18,000 financial institutions via Plaid, Yodlee, and By All Accounts (BAA). This includes major banks, brokerages, retirement accounts, credit cards, and more. See the full list of supported institutions and connection status on our connections page.

Do I need a paid plan to use Truthifi MCP?

No—Truthifi MCP is available on all plans including the free Connect Explore tier. The number of credits and institution connections included varies by plan. Most data tools cost 1 credit per call; get_scan_status and get_truthifi_info are always free; and run_scan costs 3 credits since it triggers a live data refresh.

What is a Truthifi MCP credit?

Credits are how Truthifi measures MCP usage. Tool calls fall into three tiers: free tools (get_scan_status and get_truthifi_info) cost 0 credits. Most data tools—holdings, transactions, fees, findings, performance, and more—cost 1 credit per call. The exception is run_scan, which costs 3 credits because it triggers a live data refresh directly from your financial institution. Credits reset on a daily and monthly basis depending on your plan.