Connect your AI assistant↗

The address

Paste this into your AI tool:

There is no key to copy and nothing else to configure. Signing in happens on a second address belonging to the same account, so don't be surprised if you see one during that step. The page you approve on is always this website.

Set it up

Nothing here is specific to one company. This is a standard Model Context Protocol connection over HTTP, so any tool that speaks the protocol should be able to use it. Pick yours below.

Whichever you use, the tool introduces itself to us and opens a page on this website. Sign in with a code we email you, and tap Allow. That page names the tool that is asking and the address your data would be sent to — read both before you approve. Any tool can call itself Claude; where the data goes is the part that tells you the truth.

On the web, or in a desktop app

In a terminal

claude mcp add --transport http --scope user shared-finance https://api.sharedfinance.app/functions/v1/mcp

codex mcp add shared-finance --url https://api.sharedfinance.app/functions/v1/mcp
codex mcp login shared-finance

[mcp_servers.shared-finance]
url = "https://api.sharedfinance.app/functions/v1/mcp"

In your code editor

{
  "mcpServers": {
    "shared-finance": {
      "url": "https://api.sharedfinance.app/functions/v1/mcp"
    }
  }
}

{
  "servers": {
    "shared-finance": {
      "type": "http",
      "url": "https://api.sharedfinance.app/functions/v1/mcp"
    }
  }
}

Menus move, and these are other companies’ products. If a step above has been renamed since we wrote it, look for wherever that tool adds a custom or remote MCP server — the address is the only thing it needs from us. If a step is wrong, tell us and we’ll fix it.

Try it

Once it is connected, ask your assistant about your money the way you would ask a person. For example:

• “Who owes me money, and who do I owe?”
• “How much have we spent at Tesco this year?”
• “Which shops did we spend the most at last month?”
• “How is our grocery budget doing this month?”
• “What bills do we have, and when is each one due?”
• “Review our money for August.”

The first time it reaches for Shared Finance, your tool may ask you to allow it. Every one of our tools is labelled as read-only, which some tools use to decide whether to ask you each time.

The tools

Thirteen tools, all of them reads, and only from the spaces and groups you belong to. Your assistant decides which to call. These are the names you will see in its list of tools, or when it asks your permission.

Start here

list_spaces · List spaces and groups

Your spaces and groups, and the currency each one is in. Every other tool takes a space by name, so this is usually the first call.

Spending

get_spending_totals · Spending totals

Totals over any range of months — month by month, by category, by shop, by who paid, or by the bank account it was paid from — counting every transaction, however many there are.

get_monthly_breakdown · Monthly spending breakdown

One month’s total, and how it splits across your categories.

list_transactions · Find transactions

Individual transactions — by shop, item, category, month or size — up to 50 at a time, with who paid for each.

get_transaction_items · Receipt line items

The lines on an itemised receipt, including service charge, VAT, tips and delivery.

Budgets and money in

get_budgets · Budgets and pay-ins

Each category’s monthly budget, and what each member pays in.

list_money_in · Money in

Money coming in, from the bank statements you have imported into the app — and only those, for the dates they cover. It is not your whole income.

list_statement_lines · Bank statement lines

The lines of the bank statements you have imported, money in and out, with what you decided about each in the statement review — including the transfers between your own accounts.

Bills, savings and loans

list_bills · Recurring bills

Your recurring bills: what, how much, and the day each one is due.

list_pots · Savings pots

What each pot holds, its target, and what you put aside each month.

list_loans · Loans

Money you have lent and borrowed: who, how much, what has been repaid. A note of who owes whom — nothing here moves money.

Groups and shopping

get_balances · Who owes whom

Where everyone stands in a group or household, after repayments, and the payments that would square it.

list_shopping · Shopping list

What is on your shopping list, and what has been bought.

Checks

check_records · Check records for mistakes

Looks for things that would make a summary wrong — the same spend logged twice, a budget that looks typed in the wrong currency — so your assistant can tell you before it adds anything up.

Two extras

The money rules

A short note your assistant is given when it connects: each space keeps its own currency, never convert an amount yourself, find which member is you before reading a balance, and check the records before summarising. The same text is at sharedfinance://money-model for tools that show it.

Monthly money review

A ready-made request, monthly_review, for tools that offer them: it walks one month in the right order, checking the records first and finding you before it reads who owes whom.

That is the same set Tally reads inside the app, plus the list of spaces itself — a tool on your laptop has no way of knowing which space you mean until it asks. Nothing outside your spaces is reachable, and there is no fifteenth tool hiding behind a setting. There are no settings at all: being read-only is not an option you can switch off.

What it cannot do

It cannot add, change or delete anything, and nothing it does moves money.

That is not a promise about how carefully we wrote the tools. A connection made this way carries a marker the app's own sign-in never has, and the database refuses a write that carries it — on every table, and inside every one of the routines the app itself uses to record something. A tool that asked to change your data would be turned down by the database, not by our good intentions.

Shared Finance has never moved money and does not start here. A connected tool reads what has already happened.

Keep it safe

Some of what your assistant reads from us is text other people wrote: a bank’s description of a payment on a statement you imported, a shop’s name, the name someone chose for themselves in a shared group, an item on a shared shopping list. An AI model can mistake text like that for an instruction. This is called prompt injection, and it is a risk with every connected tool, not only ours.

Our tools can’t be talked into changing anything — they only read, and the database refuses a write from a connected tool whatever it is asked. The risk is in the other tools your assistant has. If it can also send email, post messages, browse the web or edit files, text read from your records could try to steer those. So:

• Keep your assistant asking before it acts. Leave approval on for any tool that sends, posts or changes something, especially in a chat where Shared Finance is connected.
• Read what it is about to do before you approve it. If it wants to send your figures somewhere you didn’t ask for, say no.
• Only connect Shared Finance to a tool you would trust with your bank statements. Everything it reads goes to the company that runs it.
• Disconnect it when you stop using it — below, or in the app.

What that tool does with it is up to that tool

You are choosing to send your data to the company that runs it — Anthropic, OpenAI, or whoever else. They decide how long they keep it, where they process it, and what they do with it, including whether it trains a model. We are not a party to that and we cannot undo it for you. Read their policy before you connect, and read section 4.5 of our privacy policy for what we keep about the connection itself.

It is a Premium feature

Connecting an outside AI tool is part of Premium. Solo and Household both cover it — it is one of the things the plans cover the same way, and there is nothing extra to buy for it.

The check happens on the approval page, not here: that page asks whether your account is covered, and if it is not, it says so there and no connection is made. Nothing is ever half-connected, and this page does not decide it. What the plans cost.

If it doesn’t work

It says Shared Finance is a Premium feature

Your account isn’t covered by Premium, or the subscription has lapsed since you connected. Upgrade or renew in the app, then ask again — you don’t need to reconnect.

It can’t find the space I mean

Ask it to list your spaces first, then name one the way the list spells it. A group, like a trip, is a group rather than a space; you can name it the same way.

My sign-in code doesn’t work

Use the code from the most recent email, all eight digits. The button in the email only works on the device you opened it on; on a laptop, type the code.

I saw an address I didn’t recognise while signing in

Signing in passes through a second address that belongs to our database provider. The page where you tap Allow is always on sharedfinance.app — if it isn’t, don’t approve it.

It stopped working

If you disconnected it, add it again to reconnect. Otherwise remove it from your tool and add it again, so it signs in afresh. If that doesn’t help, tell us which tool and version you are using.

Your connected tools

You can disconnect a tool whenever you like. It stops being able to read anything on its very next request — there is no window where a disconnected tool keeps working, because every request is checked against your account as it arrives.

Two places to do it: here, by signing in below, or in the iPhone app under Settings → Privacy & data → Connected apps. Removing the connector inside Claude or ChatGPT tidies up their end; disconnecting here is what actually withdraws the access.