Koskamo

Zovo Spending Report MCP

This MCP server processes bank or credit card statements in various formats to generate budget views, categorize spending, identify recurring subscriptions, and clean merchant names. It provides Excel and PDF summaries of financial data without requiring bank connections.

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Endpoint and access

No sign-in to connect and list tools. Individual tools may still need a vendor account, credentials, or permissions; check the documented prerequisites.

Zovo Spending Report MCP logo, by ZovoCommunity listingStreamable HTTPNo sign-inEndpoint checked 2026-11-08Published by Zovo
You need:No sign-in is needed.
MCP endpoint (Streamable HTTP)
https://spending-report.zovo.one/mcp
Vendor documentation

What its tools do

2 tools, grouped by the hints the server advertises. Hints are self-declared, not verified behavior.

Read-only (2)

2 of 2 have a description · 2 of 2 declare behavior hints · 2 of 2 with parameters document them all

Checks and signals

Each line is separate evidence, not a trust score.

  • Passed Endpoint answered the live check ·
  • Availability 1 of 1 checks passed in 30 days

What you can do with it

  • Turn bank statements into a budget view
  • Find recurring subscriptions in credit card statements
  • Categorize spending by type such as groceries or dining
  • Generate monthly totals and top merchant reports

Source and maintenance

Community listingRegistry 1.0.0
mcp-registry: io.github.theluckystrike/spending-report@1.0.0Project website

Protocol and capabilities

Server
spending-report 1.0.0
MCP protocol negotiated in check
2025-11-25
Tools
2 advertised
Resources
1 advertised
Resource templates
1 advertised
Prompts
Not advertised
Server-advertised capabilities
{
  "tools": {
    "listChanged": true
  },
  "resources": {
    "listChanged": true
  }
}

Server-provided instructions

Untrusted server output shown for inspection. It is not Koskamo guidance and is excluded from knowledge search.

Turns a bank or credit card statement into a spending report: categories, income vs spending, monthly totals, top merchants and recurring charges with cost per year. Use generate_spending_report for an attached statement file and categorize_spending for pasted transactions. Lead with the headline (subscriptions per year), then categories, then the uncategorized merchants: propose categories for them and offer to re-run with category_overrides.

Tools

2 advertised

generate_spending_report — Generate spending report
Advertised by the server during the last successful anonymous check.
Advertised read-only

Use this when the user attaches a bank or credit card statement (text PDF, CSV or Excel export) and asks to turn it into a budget, see where their money goes, find subscriptions or recurring charges, or total spending by category or month. Returns spending by category, income vs spending and net, monthly totals, top merchants, recurring charges with next expected date and cost per year, a list of uncategorized merchants, an Excel workbook and a one-page PDF summary. Transfers between own accounts and credit card payments are not counted as spending. To correct categories, call again with the same file and category_overrides. Does not connect to banks, does not read scanned images (needs OCR first), and does not give financial advice.

generate_spending_report input schema
{
  "type": "object",
  "$schema": "http://json-schema.org/draft-07/schema#",
  "required": [
    "file"
  ],
  "properties": {
    "file": {
      "type": "object",
      "required": [
        "download_url",
        "file_id"
      ],
      "properties": {
        "file_id": {
          "type": "string",
          "description": "ChatGPT file id, e.g. file_abc123."
        },
        "file_name": {
          "type": "string",
          "description": "Original file name if known, e.g. statement.pdf."
        },
        "mime_type": {
          "type": "string",
          "description": "Media type if known, e.g. application/pdf."
        },
        "download_url": {
          "type": "string",
          "description": "Temporary download link for the file, supplied by ChatGPT."
        }
      },
      "description": "The bank or credit card statement: a text PDF from the bank's website, or the CSV or Excel (.xlsx) transaction export, e.g. september-statement.pdf."
    },
    "date_order": {
      "type": "string",
      "maxLength": 20,
      "description": "Optional: order of numeric dates such as 03/04/2026: MDY (US, default) or DMY (day first). Example: DMY."
    },
    "flip_signs": {
      "type": [
        "boolean",
        "string"
      ],
      "description": "Optional, CSV/Excel only: true when the export lists purchases as positive numbers and payments as negative (some card exports). Default false."
    },
    "account_type": {
      "type": "string",
      "maxLength": 40,
      "description": "Optional: bank (checking or savings) or credit_card. Default: detected from the file; pasted rows count as bank. Example: credit_card."
    },
    "statement_year": {
      "type": [
        "number",
        "string"
      ],
      "description": "Optional: the year for dates printed without one, e.g. 2026."
    },
    "category_overrides": {
      "anyOf": [
        {
          "type": "object",
          "propertyNames": {
            "type": "string"
          },
          "additionalProperties": {}
        },
        {
          "type": "array",
          "items": {}
        },
        {
          "type": "string"
        }
      ],
      "description": "Optional: your category for merchants the rules got wrong or left Uncategorized, keyed by the merchant name shown in the result. Example: {\"Blue Bottle\":\"Dining\",\"Riverbend Design\":\"Income\",\"Venmo\":\"Transfers\"}. Also accepts \"Blue Bottle=Dining; Acme=Income\". Categories: Groceries, Dining, Transport, Travel, Shopping, Subscriptions, Utilities, Rent & mortgage, Health, Insurance, Entertainment, Cash & ATM, Fees & interest, Payments to people, Income, Transfers (not counted), or a new name such as Pets."
    }
  }
}
generate_spending_report output schema
{
  "type": "object",
  "$schema": "http://json-schema.org/draft-07/schema#",
  "required": [
    "headline",
    "source",
    "totals",
    "categories",
    "recurring",
    "top_merchants",
    "months",
    "uncategorized",
    "overrides_applied",
    "rules",
    "warnings",
    "downloads"
  ],
  "properties": {
    "rules": {
      "type": "array",
      "items": {
        "type": "string"
      }
    },
    "months": {
      "type": "array",
      "items": {
        "type": "object",
        "required": [
          "month",
          "income",
          "spending",
          "net"
        ],
        "properties": {
          "net": {
            "type": "number"
          },
          "month": {
            "type": "string"
          },
          "income": {
            "type": "number"
          },
          "spending": {
            "type": "number"
          }
        },
        "additionalProperties": false
      }
    },
    "source": {
      "type": "object",
      "required": [
        "name",
        "type",
        "account_type",
        "transactions",
        "period_start",
        "period_end"
      ],
      "properties": {
        "name": {
          "type": "string"
        },
        "type": {
          "type": "string"
        },
        "period_end": {
          "type": [
            "string",
            "null"
          ]
        },
        "account_type": {
          "type": "string"
        },
        "period_start": {
          "type": [
            "string",
            "null"
          ]
        },
        "transactions": {
          "type": "number"
        }
      },
      "additionalProperties": false
    },
    "totals": {
      "type": "object",
      "required": [
        "income",
        "spending",
        "net",
        "not_counted_transfers",
        "not_counted_rows",
        "recurring_per_year",
        "recurring_count",
        "subscriptions_per_year",
        "subscriptions_count"
      ],
      "properties": {
        "net": {
          "type": "number"
        },
        "income": {
          "type": "number"
        },
        "spending": {
          "type": "number"
        },
        "recurring_count": {
          "type": "number"
        },
        "not_counted_rows": {
          "type": "number"
        },
        "recurring_per_year": {
          "type": "number"
        },
        "subscriptions_count": {
          "type": "number"
        },
        "not_counted_transfers": {
          "type": "number"
        },
        "subscriptions_per_year": {
          "type": "number"
        }
      },
      "additionalProperties": false
    },
    "headline": {
      "type": "string"
    },
    "warnings": {
      "type": "array",
      "items": {
        "type": "string"
      }
    },
    "downloads": {
      "type": "object",
      "required": [
        "xlsx",
        "pdf"
      ],
      "properties": {
        "pdf": {
          "type": "string"
        },
        "xlsx": {
          "type": "string"
        }
      },
      "additionalProperties": false
    },
    "recurring": {
      "type": "array",
      "items": {
        "type": "object",
        "required": [
          "merchant",
          "category",
          "cadence",
          "amount",
          "annual",
          "last_date",
          "next_date",
          "count",
          "confidence",
          "note",
          "active"
        ],
        "properties": {
          "note": {
            "type": "string"
          },
          "count": {
            "type": "number"
          },
          "active": {
            "type": "boolean"
          },
          "amount": {
            "type": "number"
          },
          "annual": {
            "type": "number"
          },
          "cadence": {
            "type": "string"
          },
          "category": {
            "type": "string"
          },
          "merchant": {
            "type": "string"
          },
          "last_date": {
            "type": "string"
          },
          "next_date": {
            "type": "string"
          },
          "confidence": {
            "type": "string"
          }
        },
        "additionalProperties": false
      }
    },
    "categories": {
      "type": "array",
      "items": {
        "type": "object",
        "required": [
          "category",
          "amount",
          "share_pct",
          "count"
        ],
        "properties": {
          "count": {
            "type": "number"
          },
          "amount": {
            "type": "number"
          },
          "category": {
            "type": "string"
          },
          "share_pct": {
            "type": "number"
          }
        },
        "additionalProperties": false
      }
    },
    "top_merchants": {
      "type": "array",
      "items": {
        "type": "object",
        "required": [
          "merchant",
          "category",
          "amount",
          "count"
        ],
        "properties": {
          "count": {
            "type": "number"
          },
          "amount": {
            "type": "number"
          },
          "category": {
            "type": "string"
          },
          "merchant": {
            "type": "string"
          }
        },
        "additionalProperties": false
      }
    },
    "uncategorized": {
      "type": "array",
      "items": {
        "type": "object",
        "required": [
          "merchant",
          "count",
          "amount",
          "example",
          "counted_as"
        ],
        "properties": {
          "count": {
            "type": "number"
          },
          "amount": {
            "type": "number"
          },
          "example": {
            "type": "string"
          },
          "merchant": {
            "type": "string"
          },
          "counted_as": {
            "type": "string"
          }
        },
        "additionalProperties": false
      }
    },
    "overrides_applied": {
      "type": "array",
      "items": {
        "type": "object",
        "required": [
          "merchant",
          "category",
          "you_wrote",
          "matched_rows"
        ],
        "properties": {
          "category": {
            "type": "string"
          },
          "merchant": {
            "type": "string"
          },
          "you_wrote": {
            "type": "string"
          },
          "matched_rows": {
            "type": "boolean"
          }
        },
        "additionalProperties": false
      }
    }
  },
  "additionalProperties": false
}
generate_spending_report annotations
{
  "title": "Generate spending report",
  "readOnlyHint": true,
  "openWorldHint": false,
  "destructiveHint": false
}
categorize_spending — Categorize spending
Advertised by the server during the last successful anonymous check.
Advertised read-only

Use this when the user pastes or lists bank or credit card transactions (date, description, amount) and asks where their money goes, to categorize spending, make a budget from them, or find subscriptions and recurring charges. Accepts a list of rows or pasted text/CSV. Returns the same report as generate_spending_report: spending by category, income vs spending, monthly totals, top merchants, recurring charges with cost per year, uncategorized merchants, Excel and PDF downloads. To correct categories, call again with the same rows and category_overrides. Use generate_spending_report when a statement file is attached. Does not connect to banks and does not give financial advice.

categorize_spending input schema
{
  "type": "object",
  "$schema": "http://json-schema.org/draft-07/schema#",
  "required": [
    "transactions"
  ],
  "properties": {
    "date_order": {
      "type": "string",
      "maxLength": 20,
      "description": "Optional: order of numeric dates such as 03/04/2026: MDY (US, default) or DMY (day first). Example: DMY."
    },
    "account_type": {
      "type": "string",
      "maxLength": 40,
      "description": "Optional: bank (checking or savings) or credit_card. Default: detected from the file; pasted rows count as bank. Example: credit_card."
    },
    "transactions": {
      "anyOf": [
        {
          "type": "array",
          "items": {
            "anyOf": [
              {
                "type": "object",
                "properties": {
                  "date": {
                    "type": [
                      "string",
                      "number"
                    ],
                    "description": "Date, e.g. 2026-09-02, 09/02/2026 or Sep 2 2026."
                  },
                  "amount": {
                    "type": [
                      "number",
                      "string"
                    ],
                    "description": "Signed amount: money out negative, money in positive, e.g. -6.50 or \"$2,450.00\"."
                  },
                  "description": {
                    "type": "string",
                    "maxLength": 300,
                    "description": "Merchant or description as printed, e.g. SQ *BLUE BOTTLE 1234 OAKLAND."
                  }
                },
                "additionalProperties": {}
              },
              {
                "type": "string"
              }
            ]
          }
        },
        {
          "type": "string"
        }
      ],
      "description": "The transactions: a list like [{\"date\":\"2026-09-02\",\"description\":\"NETFLIX.COM\",\"amount\":-15.49}], or the rows pasted as text or CSV, e.g. \"09/02/2026, NETFLIX.COM, -15.49\". Money out negative, money in positive. Up to 20,000 rows."
    },
    "statement_year": {
      "type": [
        "number",
        "string"
      ],
      "description": "Optional: the year for dates printed without one, e.g. 2026."
    },
    "category_overrides": {
      "anyOf": [
        {
          "type": "object",
          "propertyNames": {
            "type": "string"
          },
          "additionalProperties": {}
        },
        {
          "type": "array",
          "items": {}
        },
        {
          "type": "string"
        }
      ],
      "description": "Optional: your category for merchants the rules got wrong or left Uncategorized, keyed by the merchant name shown in the result. Example: {\"Blue Bottle\":\"Dining\",\"Riverbend Design\":\"Income\",\"Venmo\":\"Transfers\"}. Also accepts \"Blue Bottle=Dining; Acme=Income\". Categories: Groceries, Dining, Transport, Travel, Shopping, Subscriptions, Utilities, Rent & mortgage, Health, Insurance, Entertainment, Cash & ATM, Fees & interest, Payments to people, Income, Transfers (not counted), or a new name such as Pets."
    }
  }
}
categorize_spending output schema
{
  "type": "object",
  "$schema": "http://json-schema.org/draft-07/schema#",
  "required": [
    "headline",
    "source",
    "totals",
    "categories",
    "recurring",
    "top_merchants",
    "months",
    "uncategorized",
    "overrides_applied",
    "rules",
    "warnings",
    "downloads"
  ],
  "properties": {
    "rules": {
      "type": "array",
      "items": {
        "type": "string"
      }
    },
    "months": {
      "type": "array",
      "items": {
        "type": "object",
        "required": [
          "month",
          "income",
          "spending",
          "net"
        ],
        "properties": {
          "net": {
            "type": "number"
          },
          "month": {
            "type": "string"
          },
          "income": {
            "type": "number"
          },
          "spending": {
            "type": "number"
          }
        },
        "additionalProperties": false
      }
    },
    "source": {
      "type": "object",
      "required": [
        "name",
        "type",
        "account_type",
        "transactions",
        "period_start",
        "period_end"
      ],
      "properties": {
        "name": {
          "type": "string"
        },
        "type": {
          "type": "string"
        },
        "period_end": {
          "type": [
            "string",
            "null"
          ]
        },
        "account_type": {
          "type": "string"
        },
        "period_start": {
          "type": [
            "string",
            "null"
          ]
        },
        "transactions": {
          "type": "number"
        }
      },
      "additionalProperties": false
    },
    "totals": {
      "type": "object",
      "required": [
        "income",
        "spending",
        "net",
        "not_counted_transfers",
        "not_counted_rows",
        "recurring_per_year",
        "recurring_count",
        "subscriptions_per_year",
        "subscriptions_count"
      ],
      "properties": {
        "net": {
          "type": "number"
        },
        "income": {
          "type": "number"
        },
        "spending": {
          "type": "number"
        },
        "recurring_count": {
          "type": "number"
        },
        "not_counted_rows": {
          "type": "number"
        },
        "recurring_per_year": {
          "type": "number"
        },
        "subscriptions_count": {
          "type": "number"
        },
        "not_counted_transfers": {
          "type": "number"
        },
        "subscriptions_per_year": {
          "type": "number"
        }
      },
      "additionalProperties": false
    },
    "headline": {
      "type": "string"
    },
    "warnings": {
      "type": "array",
      "items": {
        "type": "string"
      }
    },
    "downloads": {
      "type": "object",
      "required": [
        "xlsx",
        "pdf"
      ],
      "properties": {
        "pdf": {
          "type": "string"
        },
        "xlsx": {
          "type": "string"
        }
      },
      "additionalProperties": false
    },
    "recurring": {
      "type": "array",
      "items": {
        "type": "object",
        "required": [
          "merchant",
          "category",
          "cadence",
          "amount",
          "annual",
          "last_date",
          "next_date",
          "count",
          "confidence",
          "note",
          "active"
        ],
        "properties": {
          "note": {
            "type": "string"
          },
          "count": {
            "type": "number"
          },
          "active": {
            "type": "boolean"
          },
          "amount": {
            "type": "number"
          },
          "annual": {
            "type": "number"
          },
          "cadence": {
            "type": "string"
          },
          "category": {
            "type": "string"
          },
          "merchant": {
            "type": "string"
          },
          "last_date": {
            "type": "string"
          },
          "next_date": {
            "type": "string"
          },
          "confidence": {
            "type": "string"
          }
        },
        "additionalProperties": false
      }
    },
    "categories": {
      "type": "array",
      "items": {
        "type": "object",
        "required": [
          "category",
          "amount",
          "share_pct",
          "count"
        ],
        "properties": {
          "count": {
            "type": "number"
          },
          "amount": {
            "type": "number"
          },
          "category": {
            "type": "string"
          },
          "share_pct": {
            "type": "number"
          }
        },
        "additionalProperties": false
      }
    },
    "top_merchants": {
      "type": "array",
      "items": {
        "type": "object",
        "required": [
          "merchant",
          "category",
          "amount",
          "count"
        ],
        "properties": {
          "count": {
            "type": "number"
          },
          "amount": {
            "type": "number"
          },
          "category": {
            "type": "string"
          },
          "merchant": {
            "type": "string"
          }
        },
        "additionalProperties": false
      }
    },
    "uncategorized": {
      "type": "array",
      "items": {
        "type": "object",
        "required": [
          "merchant",
          "count",
          "amount",
          "example",
          "counted_as"
        ],
        "properties": {
          "count": {
            "type": "number"
          },
          "amount": {
            "type": "number"
          },
          "example": {
            "type": "string"
          },
          "merchant": {
            "type": "string"
          },
          "counted_as": {
            "type": "string"
          }
        },
        "additionalProperties": false
      }
    },
    "overrides_applied": {
      "type": "array",
      "items": {
        "type": "object",
        "required": [
          "merchant",
          "category",
          "you_wrote",
          "matched_rows"
        ],
        "properties": {
          "category": {
            "type": "string"
          },
          "merchant": {
            "type": "string"
          },
          "you_wrote": {
            "type": "string"
          },
          "matched_rows": {
            "type": "boolean"
          }
        },
        "additionalProperties": false
      }
    }
  },
  "additionalProperties": false
}
categorize_spending annotations
{
  "title": "Categorize spending",
  "readOnlyHint": true,
  "openWorldHint": false,
  "destructiveHint": false
}

Prompts

Not advertised

No prompt definitions available.

Resources

1 advertised

spending-report-widget — Zovo Spending Report view

Advertised by the server during the last successful anonymous check.

Interactive view for Zovo Spending Report.

spending-report-widget URI
ui://widget/spending-report-v1-1.0.0-608d6ad6e6e4dc289f85cd3949935b09ff53bba09d991514d1b9d880ccf000d8.html

MIME type: text/html;profile=mcp-app

spending-report-widget-legacy — Zovo Spending Report view (previous versions)

Advertised by the server during the last successful anonymous check.

spending-report-widget-legacy URI template
ui://widget/spending-report-{version}.html

MIME type: text/html;profile=mcp-app

30-day availability

Aggregated from read-only remote checks; this is not a tool-execution or security guarantee.

Successful checks
1 of 1 (100%)
Average latency
804 ms
95th percentile latency
804 ms

Maintenance history

Public check and source-refresh events. Editorial and ownership records remain private.

  • · probe · passed · 804 ms · metadata changed · 2 tool(s), 1 resource(s), 1 resource template(s)

Connect from your client

Each snippet registers the same endpoint; pick the client you use.

This server is operated by the named third party. Listing and endpoint checks are not an endorsement or a security audit. Review the operator's permissions, terms, and data handling before connecting. How listings are checked and corrected.

Claude Code

Run this once in a terminal. It registers the remote server. Use --scope project to write .mcp.json for the repo.
Claude Code configuration
claude mcp add --transport http zovo-spending-report-mcp https://spending-report.zovo.one/mcp

Codex

Run this once. Codex stores MCP servers in ~/.codex/config.toml (or .codex/config.toml in a trusted project).
Codex configuration
codex mcp add zovo-spending-report-mcp --url https://spending-report.zovo.one/mcp

Cursor

Merge this server into .cursor/mcp.json in your project, then enable zovo-spending-report-mcp in your MCP settings.
Cursor configuration
{
  "mcpServers": {
    "zovo-spending-report-mcp": {
      "url": "https://spending-report.zovo.one/mcp"
    }
  }
}

Cline

Merge this into cline_mcp_settings.json (Cline → MCP Servers → Configure).
Cline configuration
{
  "mcpServers": {
    "zovo-spending-report-mcp": {
      "type": "streamableHttp",
      "url": "https://spending-report.zovo.one/mcp",
      "disabled": false
    }
  }
}

VS Code

Merge this server into .vscode/mcp.json. Use MCP: List Servers to start zovo-spending-report-mcp and inspect its tools.
VS Code configuration
{
  "servers": {
    "zovo-spending-report-mcp": {
      "type": "http",
      "url": "https://spending-report.zovo.one/mcp"
    }
  }
}

Gemini CLI

Run this once. It writes .gemini/settings.json in the current project; pass --scope user for ~/.gemini/settings.json.
Gemini CLI configuration
gemini mcp add --transport http zovo-spending-report-mcp https://spending-report.zovo.one/mcp

Claude Desktop

Open Claude Settings > Connectors > Add custom connector, enter this server URL and enable it for the conversation. This is a manual remote-connector handoff, not a desktop JSON configuration.
Claude Desktop configuration
https://spending-report.zovo.one/mcp

Windsurf

Merge this into ~/.codeium/windsurf/mcp_config.json, then refresh MCP in Cascade. Windsurf remote servers use serverUrl, not url.
Windsurf configuration
{
  "mcpServers": {
    "zovo-spending-report-mcp": {
      "serverUrl": "https://spending-report.zovo.one/mcp"
    }
  }
}

Let your agent find its tools

Find servers like Zovo Spending Report MCP from your agent. Add Koskamo once to search the index for endpoints, access requirements, and client setup. Public discovery needs no key.

Connect Koskamo Explore workflows
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