MCP server
Ask Claude — or ChatGPT, or Cursor — what you actually own.
One OAuth approval, and your assistant can tell you your real cost basis on VTI across every brokerage, project your 2026 tax bill from your actual YTD gains, or surface the lots worth harvesting before December. Read-only by architecture. No money movement. Every answer cited line by line.
- OAuth 2.1 + PKCE
- Read-only
- 10 tools
- No money movement
You
What's my cost basis on VTI across all my brokerages?
Claude
You hold 142 shares of VTI across 3 accounts. Your blended cost basis is $218.04, with an unrealized gain of $4,812.
- Fidelity Brokerage · 68 sh · avg $204.12 · acquired 2022–2024
- Schwab IRA · 51 sh · avg $228.40 · acquired 2023–2025
- Vanguard Roth · 23 sh · avg $231.96 · acquired 2024
Sources: clarity_holdings_search · clarity_lots_by_symbol(VTI) · 3 accounts · as of today, 9:14 AM
Illustrative example — sample data, real product behavior.
What you get
The first AI that can actually do your money math.
ChatGPT-with-Plaid sees banks only. Clarity's MCP server lets your assistant see banks, brokerages, retirement, crypto exchanges, on-chain wallets, and manual assets — and run lot-level cost basis math against the result. Ten read-only tools, one OAuth approval, every Claude / ChatGPT / Cursor / Codex / Perplexity / Gemini / Cline client supported.
Real data, never synthesized
Read-only by design
Standards-compliant OAuth
Setup
Pick your assistant
The MCP server URL is the same for every client — only the install command changes. First call triggers a browser-based consent approval; after that, the token is stored locally by your client and reused.
Claude Code
claude mcp add --transport http clarity https://mcp.useclarity.app/mcpFirst tool call opens your browser to approve consent — once approved, the token is stored locally and reused. Run `/mcp` inside any Claude session to see status.
ChatGPT
Settings → Connectors → Add → paste the URL belowhttps://mcp.useclarity.app/mcpChatGPT handles the OAuth flow inline. Requires a paid ChatGPT plan with the connectors feature enabled.
Cursor
Settings → MCP → Add server → paste the URL belowhttps://mcp.useclarity.app/mcpCursor auto-discovers the server's OAuth metadata and walks you through approval the first time you reference Clarity in a chat.
Codex CLI
codex mcp add clarity --url https://mcp.useclarity.app/mcp
codex mcp login clarity --scopes "openid mcp:read offline_access"Codex separates `add` from `login` so the OAuth handshake is explicit. Both commands are one-time setup.
Any other MCP client
https://mcp.useclarity.app/mcpPaste the URL into your client's MCP-server slot. We implement the 2025-06-18 MCP spec with OAuth 2.1 + PKCE + Dynamic Client Registration (RFC 7591), so any compliant client auto-registers without manual setup.
What you can ask
Example prompts
Each prompt below maps to one or more of Clarity's 10 MCP tools. Your assistant figures out which tool to call from the prompt — these are just illustrations.
“How am I doing financially?”
clarity_overview
“Show me every Schwab account and current balance.”
clarity_accounts_search + clarity_institutions_list
“What did I spend on restaurants in April?”
clarity_transactions_search
“What's my cost basis on VTI across all accounts?”
clarity_holdings_search
“Anything change in my portfolio since last week?”
clarity_changes_since
“What's my asset allocation by class?”
clarity_portfolio_summary
“Project my 2026 federal tax liability.”
tax_projection
“Find tax-loss harvesting opportunities, capped at 10.”
harvesting_opportunities
“Is my 2025 1099-DA reconciled?”
reconciliation_1099da_status
Tool catalog
What the server exposes
Ten tools, all read-only, all idempotent. The full JSON Schema for each input is returned by a GET to the MCP endpoint.
Financial overview
clarity_overviewNet worth, totals by account type, top 5 holdings — one call to orient.
Search linked accounts
clarity_accounts_searchFilter by institution, type, or status. Returns balances and account IDs.
Search transactions
clarity_transactions_searchBy merchant, category, amount, date range, or account. Paginated.
Search holdings
clarity_holdings_searchPositions by symbol, asset class, or account. Includes cost basis.
What changed since
clarity_changes_sinceDiff transactions, balances, and holdings against a given timestamp.
Portfolio allocation
clarity_portfolio_summaryAllocation by asset class, account type, and concentration risk.
Linked institutions
clarity_institutions_listBanks, brokerages, exchanges, and wallets with account counts.
Federal tax projection
tax_projectionYear-to-date realized gains, dividends, interest → projected liability.
Tax-loss harvesting
harvesting_opportunitiesTop N lots with unrealized losses, ranked by harvest value.
1099-DA reconciliation
reconciliation_1099da_statusMatch broker disposal docs against on-chain activity for crypto.
Privacy & security
What we will and won't do
We do
- Honor scopes you approve at consent time — nothing else.
- Log every tool call to your audit trail in Settings → Connected AI assistants.
- Let you revoke any AI client's access in one click.
- Rate-limit calls per Clarity plan to protect your account from runaway loops.
- Encrypt every connection (HTTPS only; loopback http allowed for local dev).
We won't
- Move money, place trades, or change account settings — no such tool exists.
- Send your data to the AI provider as training data. The provider sees only the tool output your assistant asked for, mid-conversation.
- Sell your data, or share it with anyone beyond the service providers that operate Clarity — those providers are listed in our Privacy Policy.
- Allow AI clients to read other users' data — every query is scoped to the authenticated Clarity user.
For directory reviewers
Documentation links
Get started
Two minutes from "I have a Claude subscription" to "Claude knows my finances."
Every Clarity plan ships with a 30-day money-back guarantee. Connect your accounts, hook up your assistant, and if it's not earning its keep within 30 days, email for a full refund.