PocketSmith MCP server for AI agents and assistants

Securely connect your AI agents and chatbots (Claude, ChatGPT, Cursor, etc) with PocketSmith MCP or direct API to review accounts, analyze transactions, track budgets, and forecast cash flow through natural language.

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Api Key

PocketSmith is a personal finance platform for accounts, transactions, budgets, and cash-flow forecasts. Use it to understand spending, plan ahead, and make better money decisions.

14 Tools

Try PocketSmith now

Type what you want done — sign in and watch it run live in the Tool Router playground.

TOOL ROUTER PLAYGROUND
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TOOLS

Supported Tools

Every PocketSmith action and event your agent gets out of the box.

Create Category

Create one category for a PocketSmith user with optional hierarchy and budgeting behavior.

Create Transaction

Create one transaction in a specified transaction account and return the created financial record.

Get Budget

Return a PocketSmith user's current category-level actual and forecast budget analysis.

Get Budget Summary

Analyze the user's combined income and expense budget over a required date range and period interval.

Get Current User

Return the PocketSmith user authorized by the connected developer key, including the user ID needed by user-scoped tools.

Get Transaction

Return one PocketSmith transaction by ID with its amount, date, payee, category, labels, and review state.

List Accounts

Return all financial accounts belonging to a PocketSmith user, including account, primary transaction-account, and scenario IDs.

List Categories

Return all categories belonging to a PocketSmith user, including hierarchy and budgeting flags.

List Transaction Accounts

Return the transaction accounts belonging to a PocketSmith user, including IDs and balances needed to create and query transactions.

List Transactions

Return one page of a user's transactions with optional date, state, type, and keyword filters, plus a cursor for the next page.

Update Account

Update selected metadata on one financial account without deleting it or changing transaction-account balances.

Update Category

Update selected hierarchy, display, and budgeting fields on one category without deleting it.

Update Transaction

Update selected fields on one existing transaction without deleting or splitting it.

Update Transactions

Update 1-20 distinct transactions sequentially.

SETUP GUIDE

Connect PocketSmith MCP Tool with your Agent

1

Install Composio

typescript
npm install @composio/core ai @ai-sdk/mcp @ai-sdk/openai
Install the Composio SDK and your agent framework
2

Create a session with MCP enabled

typescript
import { Composio } from "@composio/core";

const composio = new Composio();
const { mcp } = await composio.create("your-user-id", {
  toolkits: ["pocketsmith"],
  mcp: true,
});
Create a session scoped to PocketSmith and read its MCP URL and headers
3

Connect your agent to the MCP server

typescript
import { createMCPClient } from "@ai-sdk/mcp";
import { openai } from "@ai-sdk/openai";
import { generateText, stepCountIs } from "ai";

const client = await createMCPClient({
  transport: { type: "http", url: mcp.url, headers: mcp.headers },
});

const { text } = await generateText({
  model: openai("gpt-5.6-sol"),
  tools: await client.tools(),
  prompt: "Summarize my PocketSmith spending by category for this month",
  stopWhen: stepCountIs(10),
});

console.log(text);
await client.close();
Pass the session's MCP URL and headers to your agent and run a PocketSmith request
SETUP GUIDE

Connect PocketSmith API Tool with your Agent

1

Install Composio

typescript
npm install @composio/core @composio/openai openai
Install the Composio SDK, the OpenAI provider, and the OpenAI SDK
2

Create a Composio session

typescript
import OpenAI from "openai";
import { Composio } from "@composio/core";
import { OpenAIResponsesProvider } from "@composio/openai";

const composio = new Composio({ provider: new OpenAIResponsesProvider() });
const client = new OpenAI();

const session = await composio.create("your-user-id", { toolkits: ["pocketsmith"] });
const tools = await session.tools();
Initialize Composio with the OpenAI Responses provider and create a session scoped to PocketSmith
3

Run PocketSmith tools with your agent

typescript
let response = await client.responses.create({
  model: "gpt-5.6-sol",
  tools,
  input: [{ role: "user", content: "Summarize my PocketSmith spending by category for this month" }],
});

while (response.output.some((o) => o.type === "function_call")) {
  const outputs = await composio.provider.handleToolCalls(session, response.output);
  response = await client.responses.create({
    model: "gpt-5.6-sol",
    tools,
    previous_response_id: response.id,
    input: outputs,
  });
}

console.log(response.output_text);
Send a request, execute the PocketSmith tool calls through the session, and print the final answer

Why Use Composio?

AI Native PocketSmith Integration

  • Supports both PocketSmith MCP and direct API based integrations
  • Structured, LLM-friendly schemas for reliable finance workflows
  • Rich coverage for accounts, transactions, budgets, categories, and forecast data

Managed API Key Auth

  • Securely store PocketSmith API keys instead of hard-coding them in your agent
  • Use auth_configs.create() and connected_accounts.link() to configure user-level PocketSmith access
  • Keep per-user and per-environment credentials separate, clean, and easy to revoke

Agent Optimized Design

  • Tools are shaped so agents can understand PocketSmith data without brittle custom code
  • Clear inputs and outputs help agents answer real questions like “where did my money go this month?”
  • Comprehensive execution logs show what ran, when, and on whose behalf

Enterprise Grade Security

  • Fine-grained RBAC so you control which agents and users can access PocketSmith
  • Scoped, least privilege access to personal finance resources
  • Full audit trail of agent actions to support review, debugging, and compliance
FAQ

Frequently asked questions

Yes, PocketSmith requires you to configure your own API key. Once set up, Composio handles secure credential storage and API request handling for you.

Yes! Composio's Tool Router enables agents to use multiple toolkits. Learn more.

Yes. Composio is SOC 2 Type II compliant and is built to keep your PocketSmith connection and credentials secure. OAuth tokens and API keys are encrypted, and sensitive customer data is protected at rest and in transit.

Composio also undergoes independent security testing and continuously monitors its systems for security threats. You can review the latest reports and policies in the Composio Trust Center.

Composio maintains and updates all toolkit integrations automatically, so your agents always work with the latest API versions.

Create the key in your PocketSmith account settings, then paste it once on Composio's connection page. Composio stores it encrypted and uses it only for the PocketSmith actions your agent runs. Nobody else in your workspace can read it, and you can revoke it inside PocketSmith at any time.

When you connect a PocketSmith account through Composio, every action runs under that account, so anything the agent creates, sends, or changes shows up in PocketSmith as done by you. Keep an approval step in your prompt for actions with side effects, such as sending or deleting, and have the agent draft first.

Whatever the credentials you connect allow inside PocketSmith. If PocketSmith lets you scope a key to specific permissions, create a scoped one so the agent can only do what you intend. You can revoke the key inside PocketSmith at any time.

Yes. Composio supports multiple connected accounts for the same app, and that works in Claude, ChatGPT, or any other assistant you connect through Composio. Give each PocketSmith connection a name such as work or personal, and the assistant uses the one you mention in the request. Each account keeps its own credentials and nothing is merged.

The connection stops working the moment PocketSmith rejects the old key. Create a new key in PocketSmith and reconnect the account from the Composio dashboard or by asking your agent to reconnect PocketSmith. Nothing else changes.

Composio's free Hobby plan includes 100,000 tool calls per month with no credit card, which covers most personal PocketSmith use. Paid plans add higher limits and team features. Your PocketSmith plan and its API limits still apply as usual.

Built-in connectors usually give one AI access to a limited set of apps. Many people use Composio because it lets their AI connect to more apps than it normally supports, or connect to multiple accounts for the same app (e.g. connect Claude to multiple PocketSmith accounts).

With Composio, you connect PocketSmith once and then use it across different AI assistants without setting it up separately in each one. Connect your apps to Composio once, then connect Composio to whichever AI you use, whether that's Claude, ChatGPT, Hermes, or your own custom assistant.

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