# 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 spending, balances, investments, and more.

- 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)

All 11 tools are read-only unless noted. Connect at https://mcp.pane.money.

- get_accounts: List linked financial accounts with balance metadata. Filter by type: checking, savings, credit, investment, loan, or crypto.
- get_balances: Get latest account balances and net worth summary. Triggers real-time balance refresh.
- get_transactions: Search transactions with date range, category, amount range, free-text search, and per-account filtering. Up to 200 results per request.
- get_spending_summary: Spending totals grouped by category, merchant, week, or month. Supports period shortcuts like "last_30d" or "this_month".
- get_recurring: Recurring subscriptions, bills, and income streams with merchant, amount, frequency, and next expected date.
- get_investments: Investment holdings and portfolio value across linked brokerage accounts.
- get_liabilities: Liabilities grouped by credit cards, student loans, and mortgages with balances, rates, and payment details.
- get_crypto: Cryptocurrency holdings across exchange accounts and on-chain wallets. Filter by wallet or blockchain.
- write_annotation (read/write): Save a note on a transaction, merchant, account, or profile. Annotations persist across conversations.
- delete_annotation (read/write): Delete a previously saved annotation by ID.
- list_annotations: List saved annotations, optionally filtered by scope and target.

## 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, recurring items, and spending summaries 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)