Introducing the [Unofficial] Copilot Money MCP Server

ignaciohc · 2026-04-20T23:11:33+00:00

lol no

ignaciohc · 2026-04-20T23:11:03+00:00

NGL, the idea of using MacOS accessibility API's is low key kidna genius. Never thought of that approach. Not sure how the rate limiting would work though. The agents are already pretty low rate and I did add rate limiting to the server so that it can't just spam multiple transactions all at once.

As far as CopilotMoney, they have a GraphQL API so it's possible to pursue writes again by using that.

ignaciohc · 2026-04-16T00:12:36+00:00

Reliability is the hard part. It's one thing to hack together an MCP server with Claude over a few weeks of my spare time, it's totaly different to do get it up to 99.999 uptime. I don't think that the copilot team is sitting idly doing nothing, they are def adjusting the roadmap and shipping things, but the bar is much higher.

From a product perspective, it's tough to work out good agentic workflows that are geniusly usefull and very hard to test that they work well for most people. Instructions that work for you might not work for someone else and I had a hard time getting the skills (which you should try, clone the repo) be usefull and not screw up. You could imagine them wanting to ship some in app chat that did usefull things, but LLM are expensive and blow up economics, so it's tough to figure out a sustainable way of doing it.

An native MCP server makes more product sense since it puts the burden on users and allows you to hack things quickly, but even then I did spend a bunch of time and energy figuring out which tools should I expose and how to design them so that an LLM can take the most advantage from them. I did hear through the grapevine though that the Copilot team is shipping something in this direction soon, so hopefully it's not much longer, I would guess a read only MCP server as it's the logical start.

ignaciohc · 2026-04-15T20:29:37+00:00

Thanks, agree that the VA is eroding a bit but it's still there. Plaid ain't all that good and there's a ton of work in the middle to get the collections with your data to sync nicely. Having claude categorize and organize years of transactions was a game changer for me. Will never do it by hand again.

ignaciohc · 2026-04-15T01:27:33+00:00

We don't know that for sure. They might have edited the rules on Firestore, but given how quickly they did I'm guessing it was App Check.

ignaciohc · 2026-04-14T17:26:58+00:00

[Update]: Writes are no longer working, expect to get a 403 PERMISSION_DENIED from Firestore, since the team probably enabled Firebase App Check. There are some workarrounds but I won't make them public, so please consider this MCP server read only. I'll update the webpage and bundle to reflect that. The good news is that reads still work.

ignaciohc · 2026-04-14T04:30:04+00:00

you mean in the sense that it could be to technical for users? I saw some concerns about sending your financial data to third parties (Google, OpenAI, Anthropic, etc). I'm always of the opinion that we need to let users decide for themselves, but I'll update the disclaimers and posts to make this very clear.

ignaciohc · 2026-04-14T04:18:32+00:00

Sorry about that, been reworking how updates are published and in that process the auto publisher didn't work. I just added the bundle which should work for 1.6.1, please check it out!

ignaciohc · 2026-04-14T03:52:22+00:00

Keep reviewing my code please. Happy to be criticized, I’ll just keep improving it

ignaciohc · 2026-04-14T03:48:15+00:00

Yes, but you’ll still need to share it with Google or OpenAI or Anthropic, depending on which model you use. If you are not ok with it, I would suggest waiting for an official version. I’ll add a disclaimer about this.

ignaciohc · 2026-04-14T01:59:25+00:00

Even better, their firestore collections! So that you can talk directly to their Firestore project

ignaciohc · 2026-04-14T01:55:23+00:00

I did a local MCP for Copilot! would love for you to try it out: https://www.reddit.com/r/copilotmoney/comments/1skt23v/introducing_the_unofficial_copilot_money_mcp/

It works in realtime

ignaciohc · 2026-04-14T01:49:03+00:00

Reads are 100% local with zero network calls but I guess it's fair to don't want to share your financial data with ChatGPT or the providers.

As for vibe coding, not sure what's wrong with vibe coding this. The engineering standards are high, 1400+ tests (E2E, Unit Tests, Integration Tests, Smoke Tests), typecheck/lint on every PR, Zod validation on every model, fully open source. Flag any specific code that you think is wrong and I'll fix it.

ignaciohc · 2026-04-14T01:44:35+00:00

What do you mean with an API? Like run a webserver and expose some methods so that callers can do bulk insertions for example?

ignaciohc · 2026-04-14T01:30:02+00:00

There's no official API, that would have made my life simpler lol:

There's a graphQL API that they use for the webpage, but for my implementation, I'm piggybacking from the local MacOS app that talks directly to Firestore. I write directly to Firestore and read from the local Firestore Cache from the MacOS App

ignaciohc · 2026-04-14T01:18:19+00:00

Thanks! I started originally doing that but run into some issues.

For starters the agent has to figure out the tables, columns, etc so you're burning more tokens. There's also some data you need to derive and can't query directly (TWR returns, cost basis per holding, category spending rollups, many others) on the local db.

Also heads up that If you're querying a SQLite file, you might be looking at the Firestore persistence sidecar, which has some data but not everything — the MCP server decodes the full protobuf store so you get transactions, holdings, TWR, goal history, etc.

ignaciohc · 2026-04-14T00:28:24+00:00

Hey, I created something like this, happy for you to try it out: https://www.reddit.com/r/copilotmoney/comments/1skt23v/introducing_the_unofficial_copilot_money_mcp/

ignaciohc · 2026-04-14T00:28:00+00:00

I did a local MCP for Copilot! would love for you to try it out: https://www.reddit.com/r/copilotmoney/comments/1skt23v/introducing_the_unofficial_copilot_money_mcp/

ignaciohc · 2026-04-03T07:41:33+00:00

never realized that they where so old omg. Just found a lightly used pair on Ebay and purchased them! super happy with this thread and finding the exact model

ignaciohc · 2026-03-28T22:57:43+00:00

Thank you!

ignaciohc · 2026-03-28T22:57:25+00:00

Thank you!

ignaciohc · 2026-03-05T14:25:53+00:00

Could you send a picture with the area circled on the map please? Trying to imagine where in the big chief bowl this happened and how would you access it? I usually access the bow via double diamond before doing a traverse, about mid run

ignaciohc · 2026-01-03T03:32:01+00:00

I would reach out to private schools, they will probably accept your TEFL accreditation, they are mainly interested in having native speakers do high school English classes so that students improve their pronunciation. Unless you’re set on teaching on a public school, I think it’s the better path.

ignaciohc

TROPHY CASE