Connect Nexpenz to your AI assistant with the Model Context Protocol. Ask about spending, budgets, loans, subscriptions and group splits in plain language, answered from your real data.
The Nexpenz MCP server is the official connector between Nexpenz and AI assistants. It's built on the Model Context Protocol, the open standard that lets AI tools securely connect to outside services.
Add it once with an API key from the Nexpenz app. From then on your assistant can look up your transactions, budgets, loans, subscriptions and circles, and answer questions with real numbers instead of guesses.
Your AI can query and analyse your data but can't add, edit, or delete anything.
Revoke a key from Settings → MCP API Keys and access stops immediately.
Nexpenz doesn't store or log your AI conversations. Data is only fetched when you ask.
Standard allows 2 active keys and Pro allows 5, so each device or client can have its own.
42 read-only tools cover every part of Nexpenz. Your assistant picks the right ones for each question, so you can just ask.
“Where did most of my money go last quarter?”
“How much have I spent on coffee this year?”
“Am I over budget this month?”
“Who still owes me from the weekend trip?”
“Which subscriptions renew this week?”
“What reminders do I have in the next 30 days?”
Create an API key in the Nexpenz app, then follow the steps for your AI client.
In the Nexpenz app, go to Settings → MCP API Keys and create a key. Copy it straight away — it's only shown once.
https://mcp.nexpenz.com/mcpOpen Claude Desktop and go to Settings → Developer → Edit Config. This opens claude_desktop_config.json.
Add Nexpenz under mcpServers and replace YOUR_API_KEY with your key:
{
"mcpServers": {
"nexpenz": {
"command": "npx",
"args": [
"mcp-remote",
"https://mcp.nexpenz.com/mcp",
"--header",
"Authorization:Bearer YOUR_API_KEY"
]
}
}
}Save the file, then fully quit Claude Desktop and reopen it.
Start a new chat. Nexpenz appears under the tools menu, and Claude asks for permission the first time it uses a tool.
~/Library/Application Support/Claude/claude_desktop_config.json%APPDATA%\Claude\claude_desktop_config.jsonRequirements: Requires Node.js 18+. mcp-remote is fetched automatically via npx, so there's nothing else to install.
Claude Desktop, Claude Code, ChatGPT (desktop app), Cursor, and Gemini CLI have step-by-step instructions above. Any other client that supports remote MCP servers — such as Windsurf, VS Code, Cline, or Goose — can connect using the server URL and your API key.
MCP access requires a Standard or Pro plan. Standard includes up to 2 active API keys and Pro includes up to 5. Free plan users can upgrade from the Nexpenz app or the pricing page.
No. Every Nexpenz MCP tool is read-only. Your AI can look up and analyse your data, but adding, editing, or deleting anything has to be done in the Nexpenz app.
Only your own Nexpenz data: transactions, income, budgets, accounts, circles, loans, subscriptions, recurring bills, contacts, and memory book entries. It can't see other users' data or anything outside your account.
When you ask a question, your AI client calls Nexpenz and the results are added to your conversation, so they're processed by your AI provider under their privacy terms. Nexpenz doesn't store or log your AI conversations, and data is only fetched when a tool is called.
Yes. Data is fetched live from your Nexpenz account each time your AI uses a tool, so it reflects your latest transactions.
Yes. We recommend creating a separate API key for each device or AI client, so you can revoke one without affecting the others.
Keys are only shown once. Revoke the old key from Settings → MCP API Keys and generate a new one. The old key stops working immediately.
Make sure the config file is valid JSON, the server URL is exactly https://mcp.nexpenz.com/mcp, and that you fully quit and reopened the client (closing the window isn't enough). For Claude Desktop and ChatGPT, also check that Node.js 18 or newer is installed by running node -v in a terminal.
Check that you replaced YOUR_API_KEY with your full key and kept the "Bearer " prefix. If it still fails, the key may have been revoked or your plan may have changed — generate a new key from Settings → MCP API Keys.
Upgrade to Standard or Pro, create an API key, and start asking your AI about your finances.