Connect finerd to ChatGPT

What it does

Lets ChatGPT query and edit your finerd ledger — spending, accounts, transactions, bills, reports, and tags. Works as a custom MCP connector with OAuth.

Prerequisites

A ChatGPT account — Free, Plus, Pro, Business/Enterprise all work (a paid plan is no longer required).
Developer mode enabled (Settings → Apps → Advanced → Developer mode).

How to connect

Fast track

ChatGPT — paste this prompt, or open ChatGPT with it pre-filled:

Walk me through connecting the Finerd custom MCP connector (server URL https://api.finerd.ai/mcp) in ChatGPT developer mode, step by step.

Ask ChatGPT to set it up

In ChatGPT → Settings → Apps → Add → Add custom connector.
MCP server URL:https://api.finerd.ai/mcp
Give it a name (e.g. Finerd) and accept the trust prompt for third-party connectors.
Sign in with your finerd account.
Choose access level (Read-only or Read & Write).
Open a new chat and pick the Finerd connector from the Tools menu (the "+" / paperclip area) to start asking about your finances.

If ChatGPT says it can’t see or call the Finerd tools: press "Retry" on its reply and choose "Think longer" — in our testing this makes the tools available immediately and the request runs. If it still refuses, start a new chat, or connect via Claude or the Antigravity CLI instead (same URL). ChatGPT may also claim it made a change without actually calling the tool, so verify edits in the Finerd app.

Permissions

You pick at sign-in time:

Read-only — ChatGPT can read your data but not modify it. Good default for "ask my finances" use cases.
Read & Write — ChatGPT can also create, edit, and delete transactions, transfers, and tags.

The connector token expires automatically after 30 days; sign in again to renew.

What ChatGPT can do (read)

Search Transactions — filter by date, category, account, or text
Get Transaction — full details with journal breakdown
List Accounts — your bank accounts, wallets, debts
List Categories — expense and income categories
List Bills — receipts and invoices with line items
Get Bill — full bill details
Search Merchants — find merchants by name
Search Tags — find tags by name
List Spaces — your available spaces (Personal / Business)
Get Account Balances — balance per account at any date
Get Expense / Income / Cash Flow / Net Worth Reports — aggregated views
Verified Balances — your manually confirmed account balances
Asset Rates — currency and asset exchange rates

What ChatGPT can do (write, requires Read & Write access)

Create / Update / Delete Transaction — record or fix expenses, incomes, refunds, debt-pays
Create Complex Transaction — split transactions across multiple categories or accounts
Create Transfer — record an internal transfer between two of your tracked finerd accounts (this is a ledger entry in finerd — it does not move real money or interact with your bank)
Create / Update Tag — manage your tag taxonomy
Manage Rewards & Points — record points earnings, monthly accruals, and redemptions on reward accounts
Create Accounts — add cash, bank, debt, and reward accounts

What ChatGPT cannot do

Move actual funds anywhere — finerd is a personal ledger; banks are read-only sources.
Access other users' data — every request is scoped to your account.
Read your ChatGPT conversation history or files.

Privacy & data

ChatGPT only sees data from the space you ask it about. We don't log conversation content. See https://finerd.ai/privacy-policy and https://finerd.ai/security.

Example prompts

"Can we afford a week trip to Barcelona in July at our current savings rate?"
"Analyze my spending by category — which credit card would maximize my rewards?"
"What were my top 5 food merchants last month? Break it down by week."
"Tag all my transactions from Apr 1–10 as 'NY trip'."
"Spread this $300 annual subscription evenly across the year."

Disconnect

You can stop ChatGPT's access at any time in ChatGPT → Settings → Apps → Disconnect.

Troubleshooting

If connection fails, try disconnecting and reconnecting in ChatGPT. Contact [email protected] for help.