BeanQuery MCP
BeanQuery MCP server enabling AI agents to query Beancount personal finance ledgers using BeanQuery SQL-like language — running financial queries on plain-text double-entry accounting files, generating custom reports, analyzing spending and income patterns, and integrating Beancount financial data into AI-assisted personal finance analysis.
Score Breakdown
⚙ Agent Friendliness
🔒 Security
Local files. No credentials. Financial data is extremely sensitive — protect file access. No external network. Privacy-first local accounting.
⚡ Reliability
Best When
A Beancount user managing their finances in plain-text ledgers wants AI assistance querying and analyzing their financial data — powerful SQL-like queries make it easy to answer financial questions.
Avoid When
You don't use Beancount or plain-text accounting. For bank-connected finance apps, use those platforms' MCPs.
Use Cases
- • Querying personal expense data by category from budget analysis agents
- • Generating financial summaries and net worth reports from financial review agents
- • Analyzing spending trends over time from personal finance agents
- • Checking account balances and asset allocation from portfolio agents
- • Finding specific transactions from forensic accounting agents
Not For
- • Teams not using Beancount for bookkeeping (use Mint, YNAB, or spreadsheet MCPs for other tools)
- • Business accounting requiring compliance reporting (Beancount is for personal/small business use)
- • Real-time banking data (Beancount is a ledger for manually entered or imported transactions)
Interface
Authentication
No authentication — reads local Beancount ledger files. Set BEANCOUNT_FILE environment variable pointing to your main .beancount file. Local access only.
Pricing
Free tool. Beancount is free open source. MCP server is free open source. Plain-text finance — no external services.
Agent Metadata
Known Gotchas
- ⚠ BeanQuery SQL syntax is custom — it's not standard SQL; review BeanQuery docs
- ⚠ Beancount ledger must be configured with the file path before use
- ⚠ Financial data is highly personal — handle with care; this is your real financial data
- ⚠ Large ledgers may have slower query times — complex queries on years of data
- ⚠ Community MCP — niche tool for Beancount users; excellent if you're in that community
Alternatives
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Scores are editorial opinions as of 2026-03-07.