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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/mcp

One 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.

1

Claude Code (CLI)

Add the server, then authenticate. In your terminal:

claude mcp add --transport http thermal https://api.thermalfinance.com/mcp

Then, 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.

2

Claude Desktop & Claude.ai

In Claude, open Settings Connectors, click Add custom connector, and paste the URL:

https://api.thermalfinance.com/mcp

Name 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:

claude_desktop_config.json
{
  "mcpServers": {
    "thermal": {
      "command": "npx",
      "args": ["mcp-remote", "https://api.thermalfinance.com/mcp"]
    }
  }
}
3

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/mcp
4

Gemini 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:

~/.gemini/settings.json
{
  "mcpServers": {
    "thermal": {
      "httpUrl": "https://api.thermalfinance.com/mcp"
    }
  }
}
5

Cursor

Add Thermal to .cursor/mcp.json (project) or ~/.cursor/mcp.json (global). Cursor handles the OAuth handshake in your browser:

.cursor/mcp.json
{
  "mcpServers": {
    "thermal": {
      "url": "https://api.thermalfinance.com/mcp"
    }
  }
}
6

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:

.vscode/mcp.json
{
  "servers": {
    "thermal": {
      "type": "http",
      "url": "https://api.thermalfinance.com/mcp"
    }
  }
}
7

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/mcp

In 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 tools
  • thermal_summary

    Net worth, cash flow, and a snapshot of where you stand.

  • thermal_accounts

    Every linked account with balances, by type.

  • thermal_spending

    Spending by category and merchant over any window.

  • thermal_transactions

    Search and filter individual transactions.

  • thermal_portfolio

    Holdings, allocation, and time-weighted returns.

  • thermal_net_worth

    Assets minus liabilities, trended over time.

  • thermal_budgets

    Envelope and category budgets with progress.

  • thermal_recurring

    Detected subscriptions and recurring charges.

  • thermal_retirement_status

    Your plan's success rate and key assumptions.

  • thermal_retirement_scenarios

    Saved retirement scenarios to compare.

  • thermal_properties

    Real estate values, equity, and linked mortgages.

Write

4 tools
  • thermal_transaction_categorize

    Recategorize a transaction and optionally make a rule.

  • thermal_recurring_mark

    Mark or dismiss a transaction as recurring.

  • thermal_transaction_mark_transfer

    Reclassify a charge as a transfer between your accounts.

  • thermal_retirement_simulate

    Run 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:all

Read every data tool above. Never writes.

write:transactions

Categorize, mark recurring, and reclassify transfers.

write:retirement_scenarios

Run 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.

Start Free Trial

14 days free · Full Pro access · No credit card