Era Context MCP Server

Personal finance MCP server from Era that exposes bank, card, and investment account data to Claude, ChatGPT, and any MCP-compatible agent.

Finance by Era OAuth2 active

Connect (Remote Server) Docs

Overview

Era Context is a personal, provider-hosted MCP server that turns a user's financial life into a structured data layer for AI agents. After connecting bank accounts, credit cards, and investment accounts through Era's aggregation partners, the server exposes balances, transactions, categories, automation rules, insights, and memory through the Model Context Protocol. The same context is reusable across any compatible client, including Claude, ChatGPT, Cursor, Manus, and Poke.

The server surfaces 47 tools spanning eight categories: Knowledge and Memory, Accounts, Connections, Transactions and Automation, Insights and Analysis, Billing, Referrals, and Help. Capabilities include listing and searching transactions, analyzing and forecasting spending, managing categorization rules, connecting institutions, and remembering user-confirmed facts so future agent sessions stay coherent. By design the server does not move money: it cannot run transfers, pay bills, or place trades.

Era was the first personal finance connector listed in Anthropic's Claude Directory (May 2026). It uses OAuth 2.1 with scoped permissions, AES-256 encryption at rest, TLS 1.3 in transit, and SOC 2 Type II certified aggregation infrastructure for credential handling. A free Basic tier provides two connected accounts and read-only MCP access; write and billing scopes are gated behind explicit user approval.

Tools

Tool	Description
`knowledge__get_financial_context_and_overview`	Return a structured overview of the user's financial context for the agent to ground responses.
`knowledge__remember`	Persist a user-confirmed fact, preference, or goal into long-term memory.
`knowledge__recall_history`	Retrieve previously stored facts and prior agent decisions.
`knowledge__forget`	Remove a stored memory item.
`knowledge__get_pending_questions`	List clarifying questions Era has queued for the user.
`knowledge__confirm_or_reject_inference`	Confirm or reject an inference Era has made about the user.
`knowledge__defer_question`	Defer a pending question for later.
`knowledge__show_question_ui`	Surface a pending question UI in the client.
`accounts__list_financial_accounts`	List all linked bank, card, and investment accounts.
`accounts__check_account_balance`	Return the current balance for a specific account.
`accounts__manage_account`	Update account-level settings such as nickname or type.
`accounts__manage_account_groups`	Create or modify groupings of accounts.
`accounts__set_account_visibility`	Hide or show an account from agent context.
`accounts__toggle_balance_backfill`	Enable or disable historical balance backfill for an account.
`connections__connect_bank_account`	Start an aggregator-hosted flow to link a new financial institution.
`connections__disconnect_institution`	Remove a linked institution and its accounts.
`transactions__list_transactions`	List transactions with filters such as date range, account, or category.
`transactions__search_transactions`	Free-text search across transactions.
`transactions__update_transactions`	Update fields (category, notes, tags) on one or more transactions.
`transactions__list_recurring_charges`	Return detected recurring charges and subscriptions.
`transactions__list_spending_categories`	List configured spending categories.
`transactions__manage_categories`	Create, rename, or delete spending categories.
`transactions__manage_automation_rules`	Create or modify rules that auto-categorize or tag transactions.
`transactions__manage_transaction_tags`	Add or remove tags on transactions.
`transactions__manage_manual_transaction`	Create, edit, or delete a manual transaction.
`transactions__manage_transfer_links`	Link or unlink paired transfer transactions between accounts.
`transactions__import_csv_transactions`	Import transactions from a CSV file.
`insights__analyze_spending`	Break down spending by category, merchant, or time window.
`insights__compare_spending_periods`	Compare spending across two periods.
`insights__forecast_spending`	Forecast upcoming spending based on history and recurring charges.
`insights__get_cash_flow`	Return inflow and outflow over a period.
`insights__get_daily_financial_summary`	Return a daily summary of balances, spending, and notable events.
`billing__get_current_plan`	Return the user's current Era subscription plan.
`billing__list_plans`	List available Era plans.
`billing__preview_subscription_change`	Preview the effect of switching plans.
`billing__upgrade`	Upgrade the user's subscription (requires mcp:billing-write).
`billing__confirm_subscription_change`	Confirm a pending subscription change.
`billing__cancel_subscription`	Cancel the current subscription.
`billing__manage`	Open the billing management surface.
`referral__get_referral_link`	Return the user's referral link.
`referral__get_referral_stats`	Return referral counts and rewards.
`referral__join_referral_program`	Enroll in the referral program.
`referral__switch_referral_campaign`	Switch the active referral campaign.
`referral__get_dashboard_sso`	Return an SSO link to the referral dashboard.
`help__get_help`	Return onboarding and troubleshooting help content.

Setup Guide

Era Context is a remote, provider-hosted MCP server. There is no package to install; clients connect to Era's hosted endpoint over Streamable HTTP and authenticate with OAuth 2.0.

Prerequisites

An Era account at https://era.app
At least one connected bank, card, or investment account (Basic tier allows two accounts free)
An MCP-compatible client (Claude Desktop, Claude web, ChatGPT, Cursor, etc.)

Server details

Endpoint: https://context.era.app/mcp
Transport: Streamable HTTP
Auth: OAuth 2.0 (authorize at https://forge.era.app/oauth/authorize)

Claude Desktop / Cursor config

For clients that support remote MCP servers via config file:

{
  "mcpServers": {
    "era-context": {
      "url": "https://context.era.app/mcp"
    }
  }
}

Claude web / ChatGPT

Add https://context.era.app (or https://context.era.app/mcp) as a custom MCP server in the client's connectors UI, then complete the OAuth approval flow and review requested scopes. Era recommends starting with read-only questions before approving write or billing scopes.

Scopes

Write-capable tools (e.g. billing actions, automation rule changes) require additional scopes such as mcp:billing-write granted during OAuth consent. Tool visibility depends on the user's plan, granted scopes, and the client's MCP feature support.

Use Cases

Ask Claude to categorize and clean up recent transactions, then create persistent automation rules so future charges are tagged correctly.
Get a daily financial summary or cash flow report across all linked bank, credit card, and investment accounts.
Forecast upcoming spending and compare this month's category breakdown against last month or last year.
Detect recurring subscriptions and have an agent recommend which to cancel based on usage memory.
Maintain cross-agent financial memory: confirm goals and preferences once, then have ChatGPT, Claude, and other MCP clients use the same context.

Example Prompts

"List my recurring subscriptions over $10 a month and flag any I haven't used since January."
"Compare my restaurant spending this month versus last month and explain the biggest changes."
"Forecast my cash flow for the next 30 days using my recurring charges and average discretionary spend."
"Find any Uber transactions miscategorized as Groceries last quarter and recategorize them, then create a rule so it doesn't happen again."
"Remember that I'm saving for a house down payment by December 2027 and check in weekly on my progress."

Pros

Official, provider-hosted server with OAuth 2.0, AES-256 at rest, and TLS 1.3 in transit; credentials handled by SOC 2 Type II aggregators.
Broad surface area: 47 tools covering accounts, transactions, automation rules, insights, forecasting, and persistent memory.
Client-agnostic: works with Claude, ChatGPT, Cursor, and any MCP-compatible agent with one set of connections.
Cross-agent memory layer lets confirmed facts and preferences persist between different AI assistants.

Limitations

Read-only by default and explicitly cannot move money: no transfers, bill payments, or trades.
US-focused; coverage depends on Era's aggregator partners, so some institutions may not link.
Free Basic tier is capped at two connected accounts and read-only MCP access; full functionality requires a paid Era plan.

Alternatives

Plaid MCP (community implementations wrapping the Plaid API) for developers who want to build their own finance agent stack.
MCP servers around Mercury, Brex, or Ramp for business banking and corporate card data instead of personal finance.
Truthifi and similar investment-focused MCPs for portfolio analytics rather than full personal cash-flow context.