Era
Verified Oct 16, 2026 ActiveConnects your bank accounts to Claude or ChatGPT through a personal MCP server, plus a money-automation app
Listed on EffectHub ·
Pricing
- Pricing model
- Freemium
- Paid options from
- $6.99/mo
- Billing
- Monthly
Basic is free for two connected accounts and 250 agent MCP tool calls a day. Organize $6.99/mo (billed $83.88 yearly), Automate $17.49/mo ($209.88/yr), Operate $55.99 per seat per month ($671.88/yr); each paid plan starts with a free trial or paid intro that takes a card up front.
Use tool ↗About Era
Era is a personal finance product built around giving an AI assistant access to your money. Its core piece, Context, is a personal MCP server that links bank and brokerage accounts and exposes them to any MCP client — Claude Desktop, ChatGPT, Cursor, VS Code — so the assistant can read balances and transactions and take actions you approve. Around it sit Agency, a native app that watches accounts and automates routine money tasks, and Thesis, an SEC-registered investment research and backtesting tool. It is operated by Tinwell Labs Inc. The free Basic tier covers two accounts and 250 agent tool calls a day; paid plans start at $6.99 a month billed annually.
- Platforms
- Web · API
- API
- Yes
- Last verified
- Oct 16, 2026
Verified sources
- Pricing page: Basic free (2 accounts, 250 agent MCP tool calls/day), Organize $6.99/mo billed $83.88 yearly, Automate $17.49/mo, Operate $55.99/mo per seat; trials take a card up front (15 October 2026)era.app ↗
- Home page: connect Claude, ChatGPT or Perplexity to bank accounts via MCP or API; Era Financial Advisors LLC is an SEC-registered adviser; Thesis and Agency accounts are US-only (15 October 2026)era.app ↗
Is Era legit?
We don’t label tools safe or unsafe. Below are the records we checked ourselves, each with the date we read it.
- Domain registered
- Jul 29, 2019 (7 years ago)Registry record (RDAP), registrar GoDaddy.com, LLC, looked up Sep 6, 2026
- TLS certificate
- Issued by Amazon, valid until Mar 11, 2027Seen in our own connection to the site on Oct 16, 2026
- Last checked
- Oct 16, 2026The site answered
- Operated by
- Tinwell Labs Inc.Our research, card verified Oct 15, 2026
Pros & cons of Era
The MCP angle is the real product: instead of another budgeting dashboard, you ask the assistant you already use what happened to your money. Pricing is honest and cheap at the bottom. The trade is that you are wiring linked bank accounts into an LLM session, and the daily tool-call cap is what keeps that bill sane.
Pros
- Works with any MCP client rather than locking you into one chat app
- Free tier is usable — two accounts and 250 agent tool calls per day
- Thesis is SEC-registered, which is unusual for a consumer AI finance tool
- Yearly prices are stated in full, so the annual number is not hidden
Cons
- Agent tool calls are rationed daily, so a chatty session burns the quota
- The company's country is not stated anywhere on the site
- Actions run through an assistant you approve one by one, which is slower than a rules engine
Best for
- People who already run Claude Desktop or ChatGPT and want their finances queryable there
- Households that want automated rules over transactions rather than manual categorising
- Self-directed investors who want backtesting alongside account data
Not for
- Anyone unwilling to connect bank credentials to an AI tool
- Businesses needing multi-entity bookkeeping rather than personal accounts
Watch out: Approval prompts are the only thing between an assistant and your accounts — read what each action does before confirming it, and never treat its output as financial advice.