Pull every bank, card, and brokerage account through SimpleFIN into a local SQLite ledger — with net worth, cash flow, recurring-charge detection, and holdings gain/loss no single bank app can show. Trigger phrases: `what's my net worth`, `check my account balances`, `find my subscriptions`, `how much did I spend this month`, `show my portfolio gain`, `sync my bank accounts`, `use simplefin`, `run simplefin`.
Installer avec Codex ou Claude Copiez ce prompt, collez-le dans Codex, Claude ou un autre assistant, puis laissez-le vérifier la page du skill et l'installer pour vous.
Une commande directe contourne le prompt de vérification. Examinez la source avant de l'exécuter.
Pull every bank, card, and brokerage account through SimpleFIN into a local SQLite ledger — with net worth, cash flow, recurring-charge detection, and holdings gain/loss no single bank app can show. Trigger phrases: `what's my net worth`, `check my account balances`, `find my subscriptions`, `how much did I spend this month`, `show my portfolio gain`, `sync my bank accounts`, `use simplefin`, `run simplefin`.
This skill drives the simplefin-pp-cli binary. You must verify the CLI is installed before invoking any command from this skill. If it is missing, install it first:
Install via the Printing Press installer. It defaults binaries to $HOME/.local/bin on macOS/Linux and %LOCALAPPDATA%\Programs\PrintingPress\bin on Windows:
Ensure the reported install directory is on $PATH for the agent/runtime that will invoke this skill.
If the npx install fails (no Node, offline, etc.), fall back to a direct Go install (requires Go 1.26.4 or newer). This installs into $GOPATH/bin (default $HOME/go/bin), so add that directory to $PATH instead:
go install github.com/mvanhorn/printing-press-library/library/payments/simplefin/cmd/simplefin-pp-cli@latest
If --version reports "command not found" after install, the runtime cannot see the binary directory on $PATH. Do not proceed with skill commands until verification succeeds.
Every existing SimpleFIN tool is an importer into someone else's app. This is a CLI and a local database you own: sync once (rate-limit aware), then run cross-institution analytics offline. networth tracks your trajectory over time, recurring surfaces hidden subscriptions, portfolio computes holdings gain/loss the ecosystem ignores, and export bridges into Beancount/Ledger.
When to Use This CLI
Use this CLI when you want programmatic, offline, cross-institution access to your own financial data: balances, transactions, holdings, net worth, cash flow, and subscription detection. It is ideal for cron jobs, agent workflows, and plaintextaccounting pipelines where you want a local SQLite database you control rather than a hosted budgeting app.
Anti-triggers
Do not use this CLI for:
Do not use this CLI to move money, pay bills, or transfer funds — SimpleFIN is strictly read-only.
Do not use it to connect a bank for the first time in a browser — that is the SimpleFIN Bridge's /create web flow; this CLI consumes the resulting token.
Do not use it as a budgeting app UI — for full budgeting use Actual Budget or Lunch Money, which can consume SimpleFIN too.
Unique Capabilities
These capabilities aren't available in any other tool for this API.
Local state that compounds
networth — Total net worth across every institution, with a balance trajectory over time no bank app can show.
Reach for this when an agent needs a single cross-institution net-worth number or its trend; no single /accounts call gives history.
simplefin-pp-cli networth --trend --agent
cashflow — Income vs outflow by month and top-spend merchants across all accounts.
Use for spending/income rollups; the API returns raw transactions, not aggregates.
accounts — Fetch accounts, balances, transactions, and holdings live from the SimpleFIN server
simplefin-pp-cli accounts — Live fetch the full Account Set (all institutions) from the SimpleFIN server
info — SimpleFIN server metadata
simplefin-pp-cli info — Report which SimpleFIN protocol versions the server supports
Finding the right command
When you know what you want to do but not which command does it, ask the CLI directly:
simplefin-pp-cli which"<capability in your own words>"
which resolves a natural-language capability query to the best matching command from this CLI's curated feature index. Exit code 0 means at least one match; exit code 2 means no confident match — fall back to --help or use a narrower query.
Bridge the local ledger into a plaintextaccounting workflow.
Auth Setup
SimpleFIN has no API key. You claim a base64 Setup Token to receive an Access URL (https://user:pass@host/simplefin) that bakes in HTTP Basic credentials and the server host. Run 'simplefin-pp-cli auth claim ' once (or set SIMPLEFIN_ACCESS_URL); the access URL is stored chmod 600 and never logged. A reusable public demo token is available at beta-bridge.simplefin.org/info/developers for testing.
Run simplefin-pp-cli doctor to verify setup.
Agent Mode
Add --agent to any command. Expands to: --json --compact --no-input --no-color --yes.
Pipeable — JSON on stdout, errors on stderr
Filterable — --select keeps a subset of fields. Dotted paths descend into nested structures; arrays traverse element-wise. Critical for keeping context small on verbose APIs:
Parse .results for data and .meta.source to know whether it's live or local. A human-readable N results (live) summary is printed to stderr only when stdout is a terminal AND no machine-format flag (--json, --csv, --compact, --quiet, --plain, --select) is set — piped/agent consumers and explicit-format runs get pure JSON on stdout.
Paths and state
Agents should treat the CLI's path resolver as part of the runtime contract:
Use --home <dir> for one invocation, or set SIMPLEFIN_HOME=<dir> to relocate all four path kinds under one root.
Use per-kind env vars only when a specific kind must diverge: SIMPLEFIN_CONFIG_DIR, SIMPLEFIN_DATA_DIR, SIMPLEFIN_STATE_DIR, SIMPLEFIN_CACHE_DIR.
Resolution order is per-kind env var, --home, SIMPLEFIN_HOME, XDG (XDG_CONFIG_HOME, XDG_DATA_HOME, XDG_STATE_HOME, XDG_CACHE_HOME), then platform defaults.
config contains settings like config.toml and profiles. data contains credentials.toml, data.db, cookies, and auth sidecars. state contains persisted queries, jobs, and teach.log. cache contains regenerable HTTP/cache files.
Stored secrets live in credentials.toml under the data dir. Existing legacy config.toml secrets are read for compatibility and leave config.toml on the first auth write.
Run simplefin-pp-cli doctor --fail-on warn to surface path and credential-location warnings. agent-context exposes a schema v4 paths block for agents that need the resolved dirs.
For MCP, pass relocation through the MCP host config. The MCP binary does not inherit CLI flags:
Fleet precedence: an inherited per-kind env var overrides an explicit --home for that kind. Use SIMPLEFIN_HOME or per-kind vars as durable fleet levers, and use --home only for a single invocation. Relocation is not reversible by unsetting env vars; move files manually before clearing SIMPLEFIN_HOME, or doctor will not find credentials left under the former root.
Agent Feedback
When you (or the agent) notice something off about this CLI, record it:
simplefin-pp-cli feedback "the --since flag is inclusive but docs say exclusive"
simplefin-pp-cli feedback --stdin < notes.txt
simplefin-pp-cli feedback list --json --limit 10
Entries are stored locally as feedback.jsonl under the resolved data dir. They are never POSTed unless SIMPLEFIN_FEEDBACK_ENDPOINT is set AND either --send is passed or SIMPLEFIN_FEEDBACK_AUTO_SEND=true. Default behavior is local-only.
Write what surprised you, not a bug report. Short, specific, one line: that is the part that compounds.
Output Delivery
Every command accepts --deliver <sink>. The output goes to the named sink in addition to (or instead of) stdout, so agents can route command results without hand-piping. Three sinks are supported:
Sink
Effect
stdout
Default; write to stdout only
file:<path>
Atomically write output to <path> (tmp + rename)
webhook:<url>
POST the output body to the URL (application/json or application/x-ndjson when --compact)
Unknown schemes are refused with a structured error naming the supported set. Webhook failures return non-zero and log the URL + HTTP status on stderr.
Named Profiles
A profile is a saved set of flag values, reused across invocations. Use it when a scheduled agent calls the same command every run with the same configuration - HeyGen's "Beacon" pattern.
simplefin-pp-cli profile save briefing --json
simplefin-pp-cli --profile briefing accounts
simplefin-pp-cli profile list --json
simplefin-pp-cli profile show briefing
simplefin-pp-cli profile delete briefing --yes
Explicit flags always win over profile values; profile values win over defaults. agent-context lists all available profiles under available_profiles so introspecting agents discover them at runtime.
Exit Codes
Code
Meaning
0
Success
2
Usage error (wrong arguments)
3
Resource not found
4
Authentication required
5
API error (upstream issue)
7
Rate limited (wait and retry)
10
Config error
Argument Parsing
Parse $ARGUMENTS:
Empty, help, or --help → show simplefin-pp-cli --help output
Starts with install → ends with mcp → MCP installation; otherwise → see Prerequisites above
Anything else → Direct Use (execute as CLI command with --agent)
MCP Server Installation
Install the MCP server:
go install github.com/mvanhorn/printing-press-library/library/payments/simplefin/cmd/simplefin-pp-mcp@latest
Register with Claude Code:
claude mcp add simplefin-pp-mcp -- simplefin-pp-mcp
Verify: claude mcp list
Direct Use
Check if installed: which simplefin-pp-cli
If not found, offer to install (see Prerequisites at the top of this skill).
Match the user query to the best command from the Unique Capabilities and Command Reference above.
