Era
Personal finance for the AI era. Give Claude, ChatGPT, and other agents read/write access to your money through a personal MCP server.
How the 6.2 was reached
- Quality of output4/10
Only vendor descriptions of categorization and agent connections; no independent output evidence. era.app
- Ease of use8/10
Free start via Claude or ChatGPT with two accounts, no card required. era.app
- Pricing value8/10
Free forever Basic tier; paid plans at $6.99 and $17.49 per month. era.app
- API and integration quality7/10
MCP and API access, integrations with accounts in 40+ countries, CSV import; developer API only on the Automate plan and above. era.app
- Solves the problem it claims to solve4/10
Independent source says the platform is in early access and still in development, so the full promise is not yet shown. aitoolranks.com
6.2/10 is the mean of the 5 criteria that apply. Scored on the five-criteria rubric v1, 29 September 2026. How scoring works
Pricing
- Up to 2 connected financial accounts
- 100 MCP tool calls per month
- Basic metrics and ready-made rules
- Self-serve support
- Up to 15 connected accounts
- 1,000 MCP calls per month
- 15 AI pattern rules
- 10 custom categories and unlimited tags
- Email support
- Up to 100 connected accounts
- 10,000 MCP calls per month
- 100 AI pattern rules
- 50 custom categories and unlimited tags
- Priority support
- Automated transfers and shared views (coming soon)
- Waitlist for early access
- Advanced features TBA
Key Features
- Personal MCP server exposing your real financial data to any compatible AI agent
- Read and write access: agents can check balances, categorize transactions, and set rules
- Cross-agent memory shared between Claude, ChatGPT, Cursor, and other MCP clients
- Native app (Agency) for proactive monitoring, alerts, and rule creation
- Thesis tool for quantitative portfolio analysis and backtesting
- Bank, credit card, and investment account aggregation in one context surface
- 14-day free trial on paid plans with no credit card required
Pros & Cons
Pros
- Only finance product built natively around MCP, so your data follows you across AI assistants
- Read/write capability lets agents act, not just report
- Generous free tier with 100 MCP calls per month for casual use
- Investment-grade backtesting (Thesis) is unusual for a consumer fintech
- No lock-in, your context and rules port between AI clients
Cons
- MCP-first design assumes you already use Claude, ChatGPT, or Cursor
- Free tier capped at 2 accounts limits use as a primary aggregator
- Optimize tier features and pricing are still TBA
- Giving an LLM write access to financial accounts is a trust posture not everyone is ready for
Era suits people who want to manage money through Claude or ChatGPT, with a free Basic tier, MCP and API access, and CSV import. It is still in early access, and its output claims come only from the vendor.
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