KinPeak
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MCP server

Ask your household budget anything.

Connect KinPeak to ChatGPT, Claude, or OpenClaw. The assistant reads the same numbers you keep by hand — net worth, budget lines, accounts, goals, and your debt-free date — without ever touching a bank.

ChatGPT

  1. Open ChatGPT and go to Settings → Connected apps.
  2. Choose Add MCP server and paste the KinPeak server URL.
  3. Sign in to KinPeak and approve what ChatGPT can see.
  4. Start asking questions in any ChatGPT conversation.

Claude

  1. Open Claude Desktop and go to Settings → MCP.
  2. Add a new MCP server and paste the KinPeak server URL.
  3. Sign in to KinPeak and approve what Claude can see.
  4. Ask about your budget in any Claude chat.

OpenClaw

  1. Open OpenClaw and go to your agent's tool settings.
  2. Add an MCP server and paste the KinPeak server URL.
  3. Sign in to KinPeak and approve what the agent can see.
  4. Mention KinPeak in your agent prompts.
Server URL: https://kinpeak.com/.well-known/oauth-protected-resource

What you can ask

These prompts work once KinPeak is connected. The assistant calls the shared calculation engine, so its answers match what you see in the app.

“What is my net worth right now?”
“When is The Peak — our debt-free date?”
“How much faster would we be debt-free if we put $200 extra toward debt each month?”
“List our monthly money out, grouped by category.”
“Which goal will arrive first, and what does our plan say each goal needs per month?”
“Record a $4,250 balance for our checking account for this month.”

Tools the assistant can use

KinPeak exposes six read-only tools and one write tool. The assistant only sees your household's data because every request carries your signed-in identity.

get_household_summary

Household summary

Net worth, planned money in and out this month, what's left to allocate, total debt, and your debt-free date — The Peak.

list_budget_lines

Budget lines

Every income and expense line, with amount, cadence, category, and owner. Filter to money in or money out.

list_accounts

Accounts and balances

All active accounts with their latest balance and month-over-month change. Debts include APR and minimum payment.

list_goals

Goals

Savings goals with amount saved, target, monthly contribution, and the month each one is expected to arrive.

project_debt_payoff

Debt payoff projection

Run the shared payoff engine for avalanche or snowball, with or without an extra monthly payment. See the debt-free month and interest paid.

record_account_balance

Record a balance

Tell your assistant to record this month's balance for an account, the same way you would during The Reckoning.

How it works

01

Tap Connect

Copy the MCP server URL and add it to your assistant's tool settings.

02

Sign in

You are sent to KinPeak to prove who you are. No password is shared with the assistant.

03

Approve

You choose what the assistant can see. It can read your household data and record balances you ask for.

04

Ask

Return to the assistant and ask about your budget. Answers come from the same engine as the app.

Privacy and security

  • No bank credentials. KinPeak never connects to financial institutions, so the assistant cannot either.
  • OAuth only. The assistant gets a short-lived token, not your password. You can revoke it at any time.
  • RLS applies. The assistant only sees your own household. It cannot peek at anyone else's data.
  • You approve each client. A consent screen lists exactly what the assistant is asking to access.

What the assistant cannot do

  • Move, spend, or transfer money.
  • Connect to your bank or credit cards.
  • See data from other KinPeak households.
  • Change your household members or settings.
  • Give financial advice — it returns your own entered figures and the arithmetic on them, nothing more.

Frequently asked questions

Do I need a paid KinPeak account?

The MCP server works with any KinPeak account. If your trial has ended, you will still be able to connect, but the assistant can only read or write what your subscription allows.

Can the AI move money or make payments?

No. KinPeak never connects to banks, and the MCP tools can only read the numbers you have entered or record a balance you tell it about. It cannot transfer, spend, or trade anything.

Which AI apps work with KinPeak?

Any MCP client that supports OAuth-protected HTTP servers. We have tested ChatGPT, Claude, and OpenClaw.

What does the AI see?

Exactly what you see when you are signed in to KinPeak. Row-level security means the assistant only has access to your own household's data, and only the tools you approved during setup.

How do I disconnect an assistant?

You can revoke access from the assistant's own settings, or from KinPeak settings once we add a connected-apps list there.