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Aggregate vs. Copilot Money's MCP
Last updated
Short answer: if you already use Copilot Money for your personal budget, its MCP lets Claude or ChatGPT read the categories, budgets and spending you've set up there. Aggregate is a separate, open-source data layer that also covers companies (payments, accounting, payroll, cap table) and works without a budgeting app.
| Aggregate | Copilot Money MCP | |
|---|---|---|
| Status | Beta (hosted), open source | Announced in beta 2026-05-15, open to everyone since 2026-10-27 [1][2] |
| What it's for | Personal and business finances in one ledger | Your Copilot Money data: categories, transactions, monthly spend and income, recurrings, tags [1] |
| Which AI | Any MCP client | Claude, ChatGPT, Cursor and Codex CLI [3] |
| Read or write | Reads only at every source; can add records inside Aggregate if you allow it, undoable for 30 days | Read-only [3] |
| Business sources | Stripe, Square, Shopify, QuickBooks, Xero, payroll, invoices and bills, cap table | Not described [1] |
| Needs another app | No | A Copilot Money account |
| Open source, self-hostable | Yes (AGPL-3.0) | No |
When Copilot Money's MCP is the better choice
- You already budget in Copilot Money and want your AI to see the same categories and budgets you curate there.
- You only care about personal finances.
When Aggregate is the better choice
- You have companies, or invest in them, and want those numbers with your personal ones.
- You want to see and run the code yourself.
- You want a permission per AI that you can read as one sentence, and a log of every question it asks.
A note on names: community projects named "copilot-money-mcp" also exist and are not made by Copilot Money.
Sources
- Copilot Money: Dispatch, read 2026-11-01 (entries of 2026-05-15, 2026-08-12 and 2026-10-27).
- Copilot Money on Threads, 2026-05-15.
- Copilot Money: MCP, read 2026-11-01.
*Last checked 2026-11-01. Spotted something out of date? Open an issue.*
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