For AI Assistants
Connect Thermal to your
AI assistant.
Thermal runs a remote MCP server. Connect it from Claude, ChatGPT, Gemini, Cursor, or any MCP client, and your assistant can read your accounts, spending, budgets, investments, and retirement plan, then run simulations against your real numbers.
https://api.thermalfinance.com/mcpOne OAuth-protected endpoint. No token to paste.
The MCP server is a Pro feature, and it's included in the 14-day trial. You sign in with your normal Thermal login, so OAuth-capable clients need no manual token. See pricing.
What It Does
Your finances, in the assistant you already use
MCP (the Model Context Protocol) is the open standard for giving an AI assistant safe, scoped access to a live data source. Point your assistant at Thermal and ask in plain language.
“How much did I spend on dining last month, and is it trending up?”
Reads your transactions
“Am I on track for my grocery budget, and what’s left to assign?”
Reads your budgets
“Retire me at 58 instead of 62 and re-run the simulation.”
Runs a Monte Carlo sim
Connect Your Client
Pick your assistant
Every block below is copy-ready. OAuth-capable clients authenticate in your browser with your Thermal login the first time they connect.
Claude Code (CLI)
Add the server, then authenticate. In your terminal:
claude mcp add --transport http thermal https://api.thermalfinance.com/mcpThen, inside Claude Code, run /mcp and follow the browser prompt to sign in. Add --scope user if you want Thermal available across every project, not just this one.
Claude Desktop & Claude.ai
In Claude, open Settings → Connectors, click Add custom connector, and paste the URL:
https://api.thermalfinance.com/mcpName it “Thermal,” save, and authorize in the browser window that opens. If your build doesn't offer custom connectors, use the mcp-remote bridge in your config file instead:
{
"mcpServers": {
"thermal": {
"command": "npx",
"args": ["mcp-remote", "https://api.thermalfinance.com/mcp"]
}
}
}ChatGPT (Plus, Pro & Business)
Thermal's server exposes the search and fetch tools, so it works as a standard ChatGPT connector, not only in Developer Mode.
To add it, open Settings → Apps & Connectors → Advanced settings, enable Developer mode, then create a connector pointing at the URL and authorize with OAuth:
https://api.thermalfinance.com/mcpGemini CLI
Add Thermal to the mcpServers block in ~/.gemini/settings.json. Gemini CLI speaks HTTP natively and discovers the OAuth flow on the first 401:
{
"mcpServers": {
"thermal": {
"httpUrl": "https://api.thermalfinance.com/mcp"
}
}
}Cursor
Add Thermal to .cursor/mcp.json (project) or ~/.cursor/mcp.json (global). Cursor handles the OAuth handshake in your browser:
{
"mcpServers": {
"thermal": {
"url": "https://api.thermalfinance.com/mcp"
}
}
}VS Code
Create .vscode/mcp.json. Note VS Code uses a top-level servers key and a type field. OAuth runs automatically on first connect:
{
"servers": {
"thermal": {
"type": "http",
"url": "https://api.thermalfinance.com/mcp"
}
}
}Any other MCP client
Any stdio-only client can reach the server through the mcp-remote bridge, which proxies the remote OAuth endpoint into a local stdio server:
npx mcp-remote https://api.thermalfinance.com/mcpIn most clients you point the server's command at npx with args: ["mcp-remote", "https://api.thermalfinance.com/mcp"], the same shape as the Claude Desktop block above.
The Toolbox
What your assistant can do
Read tools answer questions. Write tools take action, and only the ones you authorize. Every call runs as you, against your own data, server-side.
Read
11 toolsthermal_summaryNet worth, cash flow, and a snapshot of where you stand.
thermal_accountsEvery linked account with balances, by type.
thermal_spendingSpending by category and merchant over any window.
thermal_transactionsSearch and filter individual transactions.
thermal_portfolioHoldings, allocation, and time-weighted returns.
thermal_net_worthAssets minus liabilities, trended over time.
thermal_budgetsEnvelope and category budgets with progress.
thermal_recurringDetected subscriptions and recurring charges.
thermal_retirement_statusYour plan's success rate and key assumptions.
thermal_retirement_scenariosSaved retirement scenarios to compare.
thermal_propertiesReal estate values, equity, and linked mortgages.
Write
4 toolsthermal_transaction_categorizeRecategorize a transaction and optionally make a rule.
thermal_recurring_markMark or dismiss a transaction as recurring.
thermal_transaction_mark_transferReclassify a charge as a transfer between your accounts.
thermal_retirement_simulateRun a Monte Carlo simulation against a scenario.
Plus search and fetch, the two tools ChatGPT's standard connector expects.
Permissions
Scoped, server-side, revocable
OAuth grants the assistant only what these scopes allow. Authorization is enforced on Thermal's servers, not in the client, and you can revoke access at any time.
read:allRead every data tool above. Never writes.
write:transactionsCategorize, mark recurring, and reclassify transfers.
write:retirement_scenariosRun and save retirement simulations.
Prefer a static token?
A token-based path is coming with the Thermal CLI: you'll mint tokens under Settings → API Tokens and use them where OAuth isn't available. The tfcommand-line app is in the final stretch before its npm release. Until then, OAuth is the way in, and it's the simpler one.
Start asking your assistant about your money
The MCP server is included in the 14-day Pro trial. Connect it in a minute and ask your first question.
14 days free · Full Pro access · No credit card