The MCP server
for your money.
Plutonus connects your bank accounts, cards, and brokerages to Claude, ChatGPT, and any AI assistant that speaks MCP. Ask, analyze, and plan — without leaving the chat.
Built for the money you already have.
Plutonus is a hosted MCP server you connect once. From then on, any AI assistant that supports the Model Context Protocol can read your finances, dig through transactions, and answer the questions you'd otherwise need a spreadsheet for.
Same builders behind Kikoff, where 1M+ people have built credit the safe way.
Plutonus pulls live balances, transactions, and holdings into a structured shape an LLM can actually reason about. No copy-pasting screenshots.
Custom categories, tags, and automation rules your AI applies as transactions land. Your data stream stays clean and queryable — no spreadsheet gymnastics required.
Tell Claude you're saving for a wedding. Switch to ChatGPT next week — it already knows. Memory lives in Plutonus, not the model.
Scoped OAuth, per-account access controls, and a full audit log of every query your AI makes. Revoke any agent in one click — your bank password stays with your bank.
Four steps. About a minute.
Plutonus runs on the open Model Context Protocol — the same standard that already powers Claude's and ChatGPT's connectors for Gmail, Calendar, and Slack. We just put your money on the other end of it.
- 1Step 01One URL
Add Plutonus to your AI
Paste one URL into Claude, ChatGPT, Cursor, or any MCP client. Sign in once and your assistant has structured access to your money.
- 2Step 0260 seconds
Connect your accounts
Link your banks, brokerages, and cards through regulated aggregators (Plaid, MX, Finicity). Plutonus only ever reads — your bank password stays with your bank.
- 3Step 03Plain English
Just ask, in your own words
“Did rent post?” “How much did I spend on coffee this month?” “Show me everything I bought from Amazon last quarter.” Plutonus turns the question into precise tool calls.
- 4Step 04Always your call
Make it yours
Tag transactions, set categorization rules, and build the memory your AI carries from one assistant to the next. The more you use Plutonus, the sharper the next answer.
Add Plutonus to Claude in 3 steps.
No CLI, no config files, nothing to install on your machine. Plutonus is a hosted MCP server — your AI assistant does the heavy lifting, we'll guide you through linking your accounts.
Plutonus works with any AI assistant that supports MCP — pick Claude or ChatGPT to see the setup steps for that client.
- 1
Open Claude Connectors
We'll open the Claude Connectors panel in a new tab. You stay signed in.
- 2
Paste the Plutonus MCP URL
In Claude, click “Add custom connector” and paste this URL. Claude will walk you through OAuth.
https://mcp.plutonus.app/mcp - 3
Ask Claude anything about your money
Send your first message — something like “What did I spend on takeout last week?” The first time you call a Plutonus tool, we'll prompt you to securely link your bank accounts via Plaid.
Connect your accounts via Plaid12,000+ banks, brokerages, and cards. We never see your login — Plaid handles it.
Less spreadsheet. More life.
Early Plutonus members are using their AI to settle bills, route spare cash, hunt down rogue charges, and quietly fix the boring parts of their financial life.
I asked Claude to settle up the joint card every Friday. It just… does it now. I haven't logged into my bank in two months.
The fact that ChatGPT can read my brokerage and bank in the same breath finally makes the 'AI advisor' thing feel real.
I told Plutonus to flag any subscription that doubled. It caught a $47/mo charge I'd missed for six months.
Setup took me 90 seconds. Same team that built Kikoff, you can tell — the receipts and audit log are immaculate.
No hidden fees. No data sales.
Just a flat monthly fee.
No markups, no upsells, no selling your data. Cancel any time and your accounts disconnect cleanly.
Free
Your AI can see your money.
Connect Claude or ChatGPT to your bank accounts and start asking questions — including raw SQL over your own data — for free.
- Connect up to 2 accounts
- 500 requests per month
- Read-only MCP tools for any AI agent
- execute_sql over your own financial data
- Memory across assistants
- Community support
Pro
Give your AI room to work.
More accounts, far more headroom on requests, and priority support — for power users running serious analysis across everything they own.
Coming soon — available once billing is live.
Get started- Connect up to 15 accounts
- 25,000 requests per month
- Priority email support
- Early access to new tools
Questions, answered.
Still curious? Email us at hello@plutonus.app. A real human writes back within a day.
What exactly is Plutonus?
Plutonus is a hosted MCP (Model Context Protocol) server that connects your real-world money — bank accounts, brokerages, credit cards — to any AI assistant that supports MCP. Once installed, your assistant can read balances, dig through transactions, and answer questions about your finances in plain language.
What is MCP?
MCP is an open standard, originally introduced by Anthropic, that lets AI assistants safely call external tools and data sources. It's the same protocol Claude and ChatGPT use to talk to Gmail, Calendar, Slack, and a growing list of business apps. Plutonus simply puts your money on the other end of that connection.
Which AI assistants does Plutonus work with?
Anything that speaks MCP — Claude (Desktop, Web, Code), ChatGPT, Cursor, Gemini, Perplexity, Cline, Continue, Zed, and any new client that adopts the spec. You install Plutonus once and it works across all of them.
Is Plutonus read-only?
Yes — Plutonus is read-only by design. Your AI can answer questions, run analyses, surface trends, and tag transactions across every connected account, but it can't initiate transfers, place trades, or do anything that touches the underlying balance. Anything that moves money still happens in your bank's or brokerage's own app, where it belongs.
How is my data secured?
Bank-grade encryption in transit (TLS 1.3) and at rest (AES-256). Account credentials are never stored on our servers — we connect through regulated aggregators like Plaid and MX. The MCP connection is OAuth-scoped and revocable from your dashboard at any time. We're SOC 2 Type II.
Do you train AI models on my financial data?
No, never. Your data is yours. We don't sell it, share it with third parties, or use it to train any model — ours or anyone else's. The AI assistant you use only sees data inside the active conversation; we don't pipe it anywhere else.
What if I switch AI assistants later?
That's exactly what Plutonus is built for. Your accounts, rules, memory, and goals live inside Plutonus — not inside Claude or ChatGPT. Switch assistants tomorrow and your entire financial context comes with you.
Which institutions do you support?
Over 12,000 banks, credit unions, and brokerages across the US through our aggregation partners. If you can connect it to Mint, Copilot, or Monarch, you can almost certainly connect it to Plutonus.
Is Plutonus a bank?
No. Plutonus is a financial technology company — same team as Kikoff. We read account data through regulated aggregators like Plaid; the underlying banking and brokerage stay with your existing providers. We're a connector and an insight layer — not a financial institution.
What happens if I cancel?
Your accounts disconnect cleanly the moment you cancel — no lingering access, no awkward email flows. You can also export your full transaction history and rule set as JSON or CSV before you leave.
Put your money on the same side as your AI.
Free to start. Sixty seconds to install. Same team that's helped a million people fix their credit.