# Selfinance

> Selfinance (selfinance.pro) is a personal finance platform that brings net worth, budget, expenses, investments, emergency fund, and debt into one dashboard — with an MCP (Model Context Protocol) connector so you can manage your money from Claude, ChatGPT, or any MCP-compatible AI assistant.

Key facts:

- Tracks assets (stocks, crypto, cash, commodities, real estate, custom), liabilities (mortgages, loans, credit cards), incomes, expenses, and budgets in one place, with automatic market data and multi-currency support (USD, EUR, PLN, GBP, CHF).
- Sign-in is via Google. Plans: Base ($6/mo or $60/yr) and Pro ($9/mo or $90/yr, adds unlimited portfolios, 100 items per type, full history, and a 5× AI-connector allowance). Pricing details: https://selfinance.pro/pricing
- The AI connector is included on every plan.

## AI connector (MCP)

- [AI Connector overview](https://selfinance.pro/feature/ai-connector): How to connect Selfinance to Claude, ChatGPT, or Claude Code, with use cases and built-in prompts.
- MCP endpoint: `https://mcp.selfinance.pro/mcp` (Streamable HTTP, OAuth 2.1 per-user sign-in). Add it under Settings → Connectors in Claude or ChatGPT, sign in with Google, and start asking.
- Reads: profile and plan allowance, budget, expense categories and expenses, holdings, portfolio, and net worth; stock search. Writes (with your approval): expenses (including capture from receipt photos or screenshots), expense categories, incomes, goals, stocks, crypto, other assets, liabilities, and cash pockets. Buy/sell/swap records and cash moves between pockets use a two-step preview → confirm flow.
- It updates your Selfinance records only — it never connects to your bank or broker and never moves real money.
- Built-in prompts: payday_strategy, capture_expense, budget_insights, monthly_review, find_subscriptions_to_cancel.

## Product

- [Home](https://selfinance.pro/): Product overview and pricing.
- [Pricing](https://selfinance.pro/pricing): Plans, costs, billing FAQ — Base $6/mo or $60/yr, Pro $9/mo or $90/yr, annual = 2 months free.
- [Features](https://selfinance.pro/features): Full feature tour — dashboard, budget, investments, emergency fund, debt.
- [Net Worth Dashboard](https://selfinance.pro/feature/selfinance-dashboard): Stocks, crypto, real estate, and debt in one view.
- [Budget Tracker](https://selfinance.pro/feature/budget): Expenses, categories, and monthly budgets.
- [Emergency Fund Tracker](https://selfinance.pro/feature/emergency-fund): Months-of-coverage tracking.
- [Debt Repayment Simulator](https://selfinance.pro/feature/debt-repayment): Mortgage overpayment and payoff planning.
- [Supported Assets](https://selfinance.pro/assets): Currencies, stocks, crypto, and commodities Selfinance tracks.
- [FAQ](https://selfinance.pro/faq): Common questions about setup, pricing, data, and the AI connector.

## Comparisons

- [Selfinance vs YNAB](https://selfinance.pro/compare/ynab): Honest comparison — envelope budgeting vs the full financial picture (price, investments, multi-currency, EU hosting).
- [Selfinance vs your spreadsheet](https://selfinance.pro/compare/spreadsheet): Keep the manual control, lose the maintenance — prices, FX, and charts update themselves.
- [One dashboard vs the four-app stack](https://selfinance.pro/compare/four-apps): Replace the budget app + broker app + crypto app + spreadsheet glue with one net-worth number.

## Guides

- [Guides hub](https://selfinance.pro/guides): Short, worked-example guides — each pairs with a free calculator.
- [The 4% rule, explained with real numbers](https://selfinance.pro/guides/four-percent-rule)
- [How much emergency fund do you actually need?](https://selfinance.pro/guides/emergency-fund-how-much)
- [Coast FIRE: the math of stopping early](https://selfinance.pro/guides/coast-fire-explained)
- [Snowball vs avalanche: which payoff order saves more?](https://selfinance.pro/guides/snowball-vs-avalanche)
- [Tracking net worth across EUR, PLN and USD](https://selfinance.pro/guides/net-worth-multi-currency)
- [Mortgage overpayment vs investing the difference](https://selfinance.pro/guides/mortgage-overpay-vs-invest)

## Free calculators

- [Calculator hub](https://selfinance.pro/calculator): All free financial calculators.
- [FIRE Calculator](https://selfinance.pro/calculator/financial-independence): When can you retire early?
- [Coast FIRE Calculator](https://selfinance.pro/calculator/coast-fire): When can you stop saving?
- [Net Worth Calculator](https://selfinance.pro/calculator/net-worth): Assets minus liabilities.
- [Portfolio Forecast Calculator](https://selfinance.pro/calculator/forecast): Project your net worth.
- [Savings Goal Calculator](https://selfinance.pro/calculator/savings-goal): How long and how much to save.
- [Compound Interest Calculator](https://selfinance.pro/calculator/interest-rate): Investment growth over time.
- [Emergency Fund Calculator](https://selfinance.pro/calculator/emergency-fund): How much to save.
- [Debt Payoff Calculator](https://selfinance.pro/calculator/debt-payoff): Snowball vs avalanche.
- [Mortgage Overpayment Calculator](https://selfinance.pro/calculator/mortgage-overpayment): Save interest, pay off early.
- [Inflation Calculator](https://selfinance.pro/calculator/inflation): Future cost and purchasing power.

## Optional

- [Privacy Policy](https://selfinance.pro/privacy-policy)
- [Terms and Conditions](https://selfinance.pro/terms-conditions)