Which assistants can read my 2Fin ledger?

Claude, ChatGPT, Claude Code, Cursor and any other client that speaks the Model Context Protocol (MCP). They all connect to one server, https://api.ai2fin.com/mcp, and sign in to your 2Fin account. Claude Desktop and Cursor can also read the desktop app’s ledger on the same computer.

Can my assistant change my records or move money?

It can change records only if you grant a write permission on the consent screen, which names every permission it asks for; an assistant that asks to read only stays read-only. It can never move money: bank connections are read-only and the server has no payment tools.

What does the assistant see, and what is removed first?

Your transactions with their merchants, amounts, dates, categories and tax flags, plus bills and upcoming money if you allow it. Before anything reaches an assistant, 2Fin strips emails, card numbers, bank account and BSB numbers, phone numbers, tax file numbers and the names of people in person-to-person transfers.

Is the MCP server on the free plan?

Yes. The free plan, with no card and no time limit, includes the MCP server, API keys, bank feeds you connect with your own key, statement uploads and the desktop app. Paid plans add automatic sorting, deeper tax analysis and automation.

Does it work outside the United States?

Yes, in every country. Income-tax estimates run in Australia, the United Kingdom, the United States, Canada and India, and GST, VAT or sales tax is on record for every country in the app.

Is this a replacement for Claude Personal Finance or ChatGPT’s finance features?

It sits underneath them. You keep asking in the assistant you like; 2Fin keeps the books it reads from. The two comparison pages set out what each one does.

Claude · ChatGPT · Cursor · any MCP client

The ledger for your assistant

Your assistant is a great place to ask about money. 2Fin is the organised place it asks: every transaction sorted as it arrives, a finance brain and a tax brain behind it, kept where you choose, and readable by whichever assistant you use next.

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What a ledger for your assistant is

An assistant ledger is an organised, permanent record of your money that a chat assistant reads from instead of starting from scratch in every conversation. 2Fin is that ledger: every transaction is categorised as it arrives and keeps the reason for its category, tax is worked out in code from a dated rate ledger, the records live in your 2Fin account or in a folder on your own computer, and Claude, ChatGPT, Cursor or any MCP client can read them through one MCP server, with the access you approve.

A conversation answers the question in front of it. A ledger keeps the answer: the category you fixed last month is still fixed, the tax figure is calculated rather than written, and the next assistant you try reads the same books instead of starting again.

What your assistant gets

An organised space for your money

Bank feeds, statements, receipts and invoices land in one ledger. Each transaction is categorised as it arrives, tagged business, work-related or personal, and shows where its category came from: your rule, a learned pattern or Fin. Fix a category once and every matching transaction after it follows, so the books get sharper every month instead of resetting in each chat.

A finance brain

Budgets and savings goals, bills and recurring payments, what is coming up and the daily burn, money you are owed and when it should land. Your assistant asks the ledger instead of guessing from a pasted statement, so "can I afford this before payday?" is answered from the bills and income already on record.

A tax brain

GST, VAT and income-tax figures are worked out in code from one rate ledger, each rate dated to the period it applies to, so the same inputs always give the same answer. Deductions build up through the year, with an income-tax estimate in five countries and GST, VAT or sales tax on record for every country in the app. Fin helps you find and organise potential deductions; always confirm eligibility with your accountant or tax authority.

Pluggable at both ends

In: bank feeds you connect with your own key, statement files in every common format, a Google Sheets feed, receipts and an Integrations API. Out: rows to Google Sheets, Excel, Notion or Airtable, Xero and QuickBooks Online (beta), signed webhooks, and the MCP server for any assistant. Swap the assistant, keep the ledger.

Organised storage, kept where you choose

The ledger is yours to keep and to export, whichever assistant reads it.

In your 2Fin account

The web app keeps your ledger in your account, encrypted at rest and in transit. Any assistant you connect reads it through the cloud MCP server after you sign in and approve its access, and you can revoke that access from your account settings.

Security →

In a folder on your own computer

The Windows desktop app keeps the ledger in a folder you own and runs its own MCP server over your machine’s loopback connection, so Claude Desktop or Cursor on the same computer can read it with nothing leaving the machine. Bring your own model key, or use a local model.

The desktop app →

An assistant on its own, and an assistant with a ledger

Both are good at answering. The difference is what the answer is built from, and what is still there tomorrow.

	Assistant on its own	Assistant reading 2Fin
Where the answer comes from	What you paste or link into the conversation	Categorised records that were sorted as the money arrived
Your corrections	Kept as far as the assistant’s own memory goes	Saved as rules and learned patterns that every later transaction follows
Tax figures	Written by the model in the reply	Worked out in code from a dated rate ledger, the same every time
Changing assistant	Start again in the new one	Connect the new one to the same MCP server and carry on
Where the records live	Inside that assistant’s account	Your 2Fin account, or a folder on your own computer
For your accountant	A conversation to copy from	Exports and a read-only accountant view

Weighing a built-in finance feature? 2Fin and Claude Personal Finance and 2Fin and ChatGPT Finances set out what each does.

Connect your assistant

Every assistant connects to the same MCP server and signs in to your 2Fin account. One URL, one consent screen, and the access you approve.

2Fin MCP server URL

https://api.ai2fin.com/mcp

AnthropicClaudeSet-up steps →OpenAIChatGPTSet-up steps →AnthropicClaude CodeSet-up steps →AnysphereCursorSet-up steps →

Any other MCP client works the same way — see the MCP documentation. With the desktop app, Claude Desktop and Cursor can read the ledger on your own computer through a local MCP server.

The access you approve

The consent screen names each permission. Approve only the read ones and the assistant stays read-only. Before anything reaches it, 2Fin strips emails, card numbers, bank account and BSB numbers, phone numbers, tax file numbers and the names of people in person-to-person transfers.

read:transactionsRead your transactions, categories and what looks deductible
read:billsRead your bills, recurring payments and what is coming up
write:transactionsAdd transactions or change their category
write:billsAdd or change bills and money you expect to receive
write:expensesRecord an expense, such as one from a receipt
webhooks:manageSet up webhooks for a developer tool

Things to ask

Plain words work. A few to start with:

“What did I spend on eating out this year, month by month?”
“Which of this quarter’s purchases look deductible for my work?”
“What bills are due before my next pay, and will there be enough left?”
“How much GST is in my business spending this quarter?”
“Which subscriptions went up in price this year?”
“Record this receipt as a work expense.”

Where the other jobs go

Payments stay with your bank

Bank connections are read-only and the MCP server carries no payment tools, so your assistant reads the money and your bank moves it.

Investments with a portfolio tool

Keep shares, funds and net worth in a portfolio tracker such as Sharesight or Empower; 2Fin keeps the everyday money and the tax around it.

Lodging with you or your agent

You or your tax agent lodge, with the figures already organised; the accountant view and exports hand them over.

Questions, answered

Questions about a ledger for your assistant

What is a ledger for your assistant?: An assistant ledger is an organised, permanent record of your money that a chat assistant reads from instead of starting from scratch in every conversation. 2Fin is that ledger: every transaction is categorised as it arrives and keeps the reason for its category, tax is worked out in code from a dated rate ledger, the records live in your 2Fin account or in a folder on your own computer, and Claude, ChatGPT, Cursor or any MCP client can read them through one MCP server, with the access you approve.
Why does a chat assistant need a ledger for my finances?: A conversation answers the question in front of it; a ledger keeps the answer. With a ledger behind it, the category you fixed last month is still fixed, the tax figure is calculated rather than written, and the next assistant you try reads the same records instead of starting again.
Which assistants can read my 2Fin ledger?: Claude, ChatGPT, Claude Code, Cursor and any other client that speaks the Model Context Protocol (MCP). They all connect to one server, https://api.ai2fin.com/mcp, and sign in to your 2Fin account. Claude Desktop and Cursor can also read the desktop app’s ledger on the same computer.
Can my assistant change my records or move money?: It can change records only if you grant a write permission on the consent screen, which names every permission it asks for; an assistant that asks to read only stays read-only. It can never move money: bank connections are read-only and the server has no payment tools.
What does the assistant see, and what is removed first?: Your transactions with their merchants, amounts, dates, categories and tax flags, plus bills and upcoming money if you allow it. Before anything reaches an assistant, 2Fin strips emails, card numbers, bank account and BSB numbers, phone numbers, tax file numbers and the names of people in person-to-person transfers.
Is the MCP server on the free plan?: Yes. The free plan, with no card and no time limit, includes the MCP server, API keys, bank feeds you connect with your own key, statement uploads and the desktop app. Paid plans add automatic sorting, deeper tax analysis and automation.
Does it work outside the United States?: Yes, in every country. Income-tax estimates run in Australia, the United Kingdom, the United States, Canada and India, and GST, VAT or sales tax is on record for every country in the app.
Is this a replacement for Claude Personal Finance or ChatGPT’s finance features?: It sits underneath them. You keep asking in the assistant you like; 2Fin keeps the books it reads from. The two comparison pages set out what each one does.

Give your assistant somewhere to look

Start free, add your transactions, and connect the assistant you already use.

Get 2Fin free