Local MCP server giving an AI agent grounded, evidence-backed personal-finance tools: cash-flow projection, drift detection, recurring-charge onboarding, reconciliation. Deterministic; never invents numbers.
4 files for Claude Code, Codex and OpenCode: Stop, personal-finance-agent, personal-finance-agent AGENTS.md, personal-finance-agent CLAUDE.md — 303 tokens loaded in every session.
AGENTS.md A 300 tok CLAUDE.md A 3 tok .claude/settings.json A — .claude/settings.json A — These files are albeorla/personal-finance-agent's own configuration — they tell Claude Code, Codex and OpenCode how to work on this repository, so they are not mods to install elsewhere. Copy one as a starting point and replace the parts that are about this project.