Run SQLon your own bank data.
From any AI.
Plutonus connects your accounts to Claude, ChatGPT, and any MCP client, then hands your assistant read-only SQL over an isolated copy of your finances. Ask anything. Get exact answers.
SELECT personal_finance_category_primary AS category,
SUM(-incoming_amount_cents) / 100 AS spent
FROM bank_transactions
WHERE incoming_amount_cents < 0
AND transacted_date >= current_date - INTERVAL 30 DAY
GROUP BY 1 ORDER BY spent DESC;
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 query your finances with read-only SQL and answer the questions you'd otherwise need a spreadsheet, or an analyst, for.
Same builders behind Kikoff, where 1M+ people have built credit the safe way.
Your assistant writes read-only SQL against your own data and gets exact answers, not guesses. Filter, sum, join, group by. If you can express it in SQL, you can ask it.
Plutonus shapes live balances and transactions into a queryable schema an LLM can reason about. Call plutonus.data__get_schema to see every table and column. Amounts are integer cents — no rounding surprises.
Each user's data lives in a separate, per-user database. Queries run read-only in a sandbox with tight timeouts. Your data is never mixed with anyone else's.
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 Plaid, the regulated aggregator. 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 each question into a read-only SQL query and runs it against your data.
- 4Step 04Plain English or SQL
Go as deep as you want
Ask in plain English, or hand your assistant raw SQL. It runs read-only queries against your own isolated database — anything from “did rent post?” to a five-way join across a year of transactions.
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 pointing their AI at their own data to audit subscriptions, hunt down rogue charges, and finally see where the money goes — without touching a spreadsheet.
Every Friday I have Claude pull our joint-card spend and tell me who owes what. One SQL query, done. I haven't logged into my bank's website 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 asked Claude to find any subscription that had quietly crept up. One query later it surfaced 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
- Email 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.
- 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.
Can I really write my own SQL?
Yes — that's the whole point. Plutonus exposes a plutonus.data__execute_sql tool that runs read-only SQL against your own financial data. Call plutonus.data__get_schema to see the tables and columns, then let your assistant write the query in plain English, or write it yourself. SELECT and WITH only — no writes, ever.
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 SQL, and surface trends 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 Plaid, the regulated aggregator. Each user's data lives in a separate, per-user database, and every SQL query runs read-only in a sandbox. The MCP connection is OAuth-scoped and revocable from your dashboard at any time.
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 and connection live inside Plutonus — not inside Claude or ChatGPT. Switch assistants tomorrow and your financial data comes with you: same tools, same schema, same SQL.
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 as JSON 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.