使用说明
Personal Capital MCP Connector
File structure
personal-capital-connector/
├── pyproject.toml
└── src/personal_capital_connector/
├── __init__.py
├── __main__.py
├── auth.py # session + preference persistence, 2FA flow
├── client.py # API wrapper + data formatters
├── server.py # FastMCP server with 7 tools
└── cli.py # CLI entry point
7 tools exposed to Claude
| Tool | What it answers |
|---|---|
list_accounts |
"What's my Chase credit card balance?" / "Show my savings accounts" |
get_net_worth |
"What's my net worth?" / "How much do I owe vs own?" |
get_net_worth_history |
"How has my net worth changed since 2019?" (month-end or daily totals) |
get_account_balance_history |
"What was the mortgage balance each month in 2020?" (per account, closed accounts included) |
get_transactions |
"What did I spend at restaurants last month?" |
get_asset_allocation |
"What am I holding in my 401k?" / "Which funds am I most concentrated in?" |
check_auth_status |
"Is my Empower session still valid?" |
get_transactions parameters
Query a date range or a lookback window, filter, and page through results.
| Parameter | Default | Notes |
|---|---|---|
days |
30 | Lookback from today. Ignored when start_date is set. |
start_date / end_date |
— | ISO YYYY-MM-DD. start_date alone runs through today. |
search |
— | Substring match on description, original description, or merchant. Comma-separated terms are ORed: "avis, hertz, national". |
account |
— | Substring of the account name, e.g. "delta". |
category |
— | Substring of the Personal Capital category, e.g. "travel". |
min_amount / max_amount |
0 | Absolute-value bounds. max_amount=0 means no cap. |
limit / offset |
100 / 0 | Page through results. The header always reports the full match count. |
oldest_first |
false | Sort ascending by date. |
Amounts are signed: money out is negative, money in is positive. The header shows the net, gross in, and gross out for everything matched — not just the rows on the current page.
Transactions — 2026-03-01 to 2026-03-31
3 of 271 matched
Matched total: net $17,746.50 (in $377,693.19 / out $359,946.69)
2026-03-31 5,516.08 Brokeragelink - Contribution [Amazon 401(k) Plan] (Retirement Contributions)
...
268 more. Re-run with offset=3 to continue.
Prerequisites
Install uv: https://docs.astral.sh/uv/
To get started
Step 1 — Authenticate once (interactive 2FA):
uv run --directory {full path to this directory} personal-capital-connector auth
Your session is saved to ~/.config/personal-capital-connector/session.json (chmod 600). Re-run this any time your session expires.
Your email and 2FA choice are saved next to it in prefs.json, so the next login is two keystrokes:
Using saved preferences from ~/.config/personal-capital-connector/prefs.json.
Press Enter to accept a default, or type '-' to forget it.
Empower email [paul@example.com]:
Empower password:
2FA required. How do you want to receive the code?
1) SMS
2) Email
Choice [2, saved]:
Press Enter to accept a default, type a new value to replace it, or type - to forget it — the answer you give after - is used for that login but not saved.
Manage the same preferences without logging in:
personal-capital-connector prefs # show what is saved
personal-capital-connector prefs --email you@email.com # change the email
personal-capital-connector prefs --2fa sms # change the 2FA method
personal-capital-connector prefs --clear email # forget one (email or 2fa)
personal-capital-connector prefs --clear # forget both
Clearing preferences never touches your session.
Once your preferences are saved, -y takes them all without asking:
personal-capital-connector auth -y
That leaves only the password, and the 2FA code when one is needed. Anything with no saved value is still prompted for. --email and --2fa override a saved value for one run, and --no-remember logs in without reading or writing preferences at all.
Step 2 — Add to Claude Desktop's MCP settings (e.g. ~/Library/Application Support/Claude/claude_desktop_config.json):
{
"mcpServers": {
"personal-capital": {
"command": "{full path to uv}",
"args": [
"run",
"--directory",
"{full path to this directory}",
"personal-capital-connector"
]
}
}
}
Step 3 — Restart Claude and start asking questions.
