Era Context

Give your AI assistant read and write access to your bank accounts, transactions, spending analysis and financial…

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What the Era Context connector does

Era Context is a personal-finance MCP server that connects your real bank accounts to Claude, ChatGPT, Cursor or any MCP client. It documents 54 tools for reading balances and transactions, analysing spending, forecasting cash flow, editing financial records and storing financial memory across assistants. Sign-in is OAuth 2.1, and Era gates writes behind separate scopes.

Verified connector

Listed by Anthropic as a partner connector in its Connectors Directory.

Connection checked by Agentman on .

Anthropic states this reflects the level of review a connector received, not a security audit.

Era Context tools (54)

  • accounts__check_account_balance
  • accounts__list_financial_accounts
  • billing__get_current_plan
  • billing__list_plans
  • billing__upgrade
  • connections__connect_bank_account
  • insights__analyze_spending
  • insights__compare_spending_periods
  • insights__forecast_spending
  • insights__get_cash_flow
  • insights__get_daily_financial_summary
  • knowledge__confirm_or_reject_inference
  • knowledge__defer_question
  • knowledge__forget
  • knowledge__get_financial_context_and_overview
  • knowledge__get_pending_questions
  • knowledge__recall_history
  • knowledge__remember
  • knowledge__show_question_ui
  • transactions__list_recurring_charges
  • transactions__list_spending_categories
  • transactions__list_transactions
  • transactions__manage_automation_rules
  • transactions__manage_transaction_tags
  • transactions__manage_transfer_links
  • transactions__search_transactions
  • transactions__update_transactions

Tool names from Anthropic's directory listing. This server requires sign-in, so we could not read tool descriptions or parameter schemas.

Limits

  • This connector exposes personal financial data by design. Balances, individual transactions, merchant names, categories, recurring charges and stored personal facts all flow to whichever assistant you connect. That is the product, not a side effect — but it means the blast radius of a mis-scoped grant is your financial history.
  • The connected assistant becomes a second place your finances live. Era states that memory is never used to train models and never sold, and that each client reads the profile only for queries you initiate. Those commitments cover Era's systems; what your MCP client retains is governed by that client, not by Era.
  • Sending financial data onward needs separate authorisation. Era notes that pairing Context with an email, Slack or document server to deliver summaries requires its own approval and review. Era Context itself has no outward-facing send tool.
  • Writes are coarse-grained. One scope covers every write-capable tool in a domain, so there is no way to grant tagging without also granting the destructive tools in the same group.
  • Availability varies per user. Era is explicit that the tools an assistant can see depend on plan, approved scopes, connected accounts and client support, so no two users necessarily see the same surface. Plan limits also exist to curb runaway agent loops.
  • Money movement is documented but not visible. Era says transfers between your own accounts are possible with per-transfer approval, and that the connector cannot pay bills, place trades or file taxes. No tool in the published catalogue performs a transfer, so we could not establish how that capability is exposed.
  • About 25 registered tools are undescribed. Era's own figure of 81 registered tools against a 54-tool public catalogue leaves a gap that no source we could reach documents.
  • Regulatory context. Era Financial Advisors LLC is an SEC-registered investment adviser (CRD #334404) and states that registration "does not imply a certain level of skill or training", that advisory services are AI-assisted and discretionary, and that they are not a substitute for personalised financial advice. Brokerage is provided by Alpaca Securities LLC, a FINRA/SIPC member. Era Context connects accounts across the US, UK and 40-plus countries, while Era Thesis and Era Agency accounts are US-only.
  • We read no schemas or MCP annotations. The endpoint is OAuth-gated, so parameter detail and readOnlyHint / destructiveHint values are unavailable. Safety labels here are Era's published ones.

Frequently asked questions

Does the Era Context MCP server read my actual bank data?

Yes. Once you connect an account, the read tools return real balances, individual transactions, merchant names and spending totals from your linked institutions. Era states that bank credentials themselves are never given to the agent and never stored by Era — connections run through regulated data aggregators, and the assistant sees structured Era data rather than your bank login.

Can an AI agent move money through Era Context?

Not through any tool in the public catalogue. Era says an agent can move money between your own accounts with explicit approval on every transfer, but no tool in the 54 published for August 16, 2026 does it, and transfers are gated to the Automate plan. The similarly named transfer-links tool is bookkeeping — it matches duplicate records so forecasts are not inflated.

Which Era Context tools can change my data?

Twenty-seven of the 54 documented tools are labelled write capable, and nine of those are additionally labelled destructive. The destructive set covers forgetting stored facts, resetting questions, managing accounts, disconnecting an institution, and editing transactions, categories, tags, manual entries and automation rules. Era says clients should surface destructive tools clearly and ask you to confirm them.

Why does my AI client show fewer Era tools than the documentation lists?

Because the surface is permissioned four ways at once. Era states that your plan, your approved OAuth scopes, your connected accounts and your MCP client's own support all filter what an assistant can see. Billing changes are excluded from the default scopes entirely and need mcp:billing-write, and four tools require the Organize plan or higher.

Do you need a paid Era plan to use the MCP server?

No, but the free tier is read-only. Era's free plan connects up to two financial accounts with read-only MCP access and stores 50 memory facts. Read and write access starts on the Organize plan at $9.99 a month, which also raises the account limit; money transfers arrive on the Automate plan at $24.99. Prices are Era's own, in US dollars.

Can Era Context charge my card without me noticing?

No. The billing tools sit outside the scopes granted by default, so an assistant cannot reach them unless you separately approve mcp:billing-write during OAuth. Five billing tools are labelled as needing extra consent, and three of those additionally require the Organize plan. A preview tool exists so the cost of a change can be read before anything is confirmed.

Sources

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