Pane – Give your AI access to your financial data via MCP

Name: Pane – Give your AI access to your financial data via MCP
Availability: InStock
Author: darnfish

by darnfish·Mar 3, 2026·10 points·1 comment

Visit Project View on HN

AI Analysis

●●SolidSolve My ProblemSlick

MCP-first financial aggregator, but Mint and Personal Capital already do this for free.

Strengths

•MCP integration means multi-AI compatibility without vendor lock-in; genuine interop win
•Plaid wire-protocol means zero code changes—your bank connection is mediated, not forwarded
•Tackles a real pain point: understanding spending patterns across multiple accounts in one context

Weaknesses

•Requires trust with banking data (third party, SaaS-hosted); many users will never adopt for security reasons
•Paid model ($15–40/mo) competes with free incumbents; unclear why subscription beats free tier + paid features

Post Description

Hey HN!

Today I'm launching Pane, a tool that gives AI context on your financial data.

Once connected, any MCP-compatible client (Claude, Cursor, ChatGPT, etc.) can answer questions like: - "What did I spend on food this month?" - "What's my net worth right now?" - "Show me my recurring subscriptions" - "How much do I owe across all credit cards?" - "What are my investment holdings?"

It's been really transformative in helping me and some of my friends understand their finances, where they are overspending, or even being double billed in some cases.

I'm very aware that this is a somewhat controversial idea. Banking data is an extremely personal set of data and connecting it with something that in many cases can hallucinate and is often hosted by a third party is understandably concerning. Many people already do this by uploading billing statements, CSV's, etc. And this product is definitely for those early adopters, myself included. I'm really interested to hear some of the feedback from this community regarding this idea. I totally understand this is not for everyone, but if you do let it into your life I believe it can have a positive impact on your relationship with money.

If you'd like to give it a try, use code `HACKERNEWS` for 50% off your first month. If you try it and decide it is not for you within the first week, please reach out to [email protected] and I can set you up with a refund.

Excited to hear feedback, critique, thoughts - everything :~)