# Pane

> Hosted MCP server for personal finance. Link bank accounts via Plaid and give AI assistants secure, scoped access to your financial data.

Pane works with any MCP-compatible client — Claude, ChatGPT, Claude Desktop, Claude Code, and others. Connect via OAuth or API key, then ask your AI about authorized accounts and transactions.

- Server URL: https://mcp.pane.money
- Transport: Streamable HTTP + SSE
- Auth: OAuth 2.0 or Bearer token (API key)

## Docs

- [Documentation](https://pane.money/docs): Setup guides, available tools, privacy scopes, and troubleshooting
- [Pricing](https://pane.money/pricing): Plans and billing
- [About](https://pane.money/about): How Pane works and FAQ
- [Support](https://pane.money/support): Contact and common issues

## [Available Tools](https://pane.money/docs)

Pane exposes 8 tools. Tools that directly change annotations or preferences are marked mutating. Connect at https://mcp.pane.money.

- get_accounts: List privacy-authorized linked financial accounts with balance metadata and optional type filtering.
- get_balances: Return privacy-authorized stored account balances with optional type filtering.
- get_net_worth: Calculate Net Worth from privacy-authorized stored Plaid balances in your display currency. Includes coverage and balance timestamps; partial or unavailable values are explicit. Hidden accounts and accounts excluded from Net Worth do not contribute.
- get_transactions: Search transactions with date range, category, amount range, free-text search, and per-account filtering. Up to 200 results per request.
- list_annotations: List saved transaction, account, and profile annotations, optionally filtered by scope and target. Merchant filters return an empty result; legacy merchant notes are not returned.
- write_annotation (mutating): Save a note on a transaction, account, or profile. Notes can appear in future responses after privacy checks. New merchant notes are not supported.
- delete_annotation (mutating): Delete your own saved annotation by ID, including legacy merchant notes.
- set_display_currency (mutating): Change the saved display-currency preference.

## Privacy Scopes

Each linked institution has a configurable privacy scope:

- **Full**: Complete access to account data including transactions, balances, and all details.
- **Balances only**: Only balance information is visible. Transactions are hidden.
- **Balances + redacted**: Balances visible, transactions included but with merchant names and amounts redacted.
- **Hidden**: Entire institution hidden from all tool responses. AI tools will not know the account exists.

## Policies

- [Privacy Policy](https://pane.money/privacy)
- [Data Policy](https://pane.money/data-policy)
- [Terms of Service](https://pane.money/terms)
- [Sub-processors](https://pane.money/sub-processors)