Ask your AI for directions.

It lets an AI app you already use, such as Claude or ChatGPT, read your NavFi route and, if you allow it, change it. Your AI asks the questions. NavFi does the math, with the same optimizer that builds your route in the app.

Other money apps connect your AI to where your money went. NavFi connects it to what to do next: what to pay, when, and whether a purchase fits.

The connector is in beta.

Anyone with an active NavFi subscription. It works with AI apps that accept a remote MCP server address. MCP is the standard way AI apps connect to other services. That includes:

• Claude on the web, desktop and mobile
• ChatGPT, on a paid ChatGPT plan with Developer mode on
• Claude Code
• Cursor, VS Code and Codex CLI

1. In your AI app, add a custom connector with this address: https://api.navfi.money/mcp. To let your AI read but never change anything, use https://api.navfi.money/mcp/readonly instead.
2. A NavFi page opens in your browser. Enter your email, then the 6-digit code we send you. There is no password.
3. Read what the app will be able to see and change, and approve it. Then ask your AI about your route.

Claude (web, desktop and mobile): Settings → Connectors → Add custom connector. Give it a name such as NavFi, paste the address, then connect and sign in. See Claude's help if the menus look different.

ChatGPT: needs a paid ChatGPT plan. Turn on Developer mode, then add a connector in Settings → Connectors with the NavFi address and sign in. See ChatGPT's help if the menus look different.

Claude Code: run claude mcp add --transport http navfi https://api.navfi.money/mcp, then type /mcp, pick navfi and choose Authenticate.

Cursor, VS Code, Codex CLI and other apps: add a remote MCP server with the NavFi address. See the app's help for where. The app opens the NavFi sign-in for you.

Building something? The developer reference is at navfi.money/mcp.

It can see:

• Your accounts, balances and cards
• Your transactions, and your spending by category
• Your bills and income
• The turns coming up on your route: bills, card payments, paychecks and savings
• Your projected balance on any date
• What is left in each category this week
• Your destinations and when you will reach them
• Whether your route is on course, short, or due a reroute
• Whether a purchase fits your route

It can change, if you connect with the full address:

• Add a transaction to an account or card you added by hand
• Add or edit a bill, an income source or a destination
• Plan a purchase on your route
• Mark a turn done
• Fix a transaction's category
• Reroute

It can never move money, pay a bill, link a bank, delete anything or change your subscription.

Want it to read only? Connect with https://api.navfi.money/mcp/readonly. Your AI then has nothing that can change your route.

Five questions to start with:

• "Can I afford $80 on dinner Saturday?"
• "What goes out of my checking account before payday?"
• "Why is my route short in December, and what would fix it?"
• "How much is left for groceries this week?"
• "When will I reach my emergency fund destination?"

• You sign in to NavFi yourself, with a code we email you. Your AI app never sees that code or your bank logins.
• You choose read only or read and change by the address you add.
• Your AI app asks you before every change. If your app lets you turn that off, leave it on.
• NavFi cannot undo a change your AI made. Check what it proposes before you approve. You can always edit the same thing in the NavFi app.
• Disconnect any time at Connected AI apps. Sign in with the same email code. Each app shows when it connected and when it was last used.

• 60 requests a minute. A normal conversation stays well under that.
• 5 reroutes a day through your AI. You can still reroute in the NavFi app.
• A reroute takes minutes, so your AI may ask you to wait and then check back.

Only the data NavFi returns for each request your AI makes. NavFi sends nothing on its own. Once your AI has that data, it is held by your AI provider under their terms, and NavFi does not control what they keep.

Claude and ChatGPT both have data controls, including whether your chats are used to train their models. Look in the app's privacy or data settings, or see Claude's help and ChatGPT's help.

NavFi keeps a log of each request a connected app makes, for support. We never sell your data. Read the Privacy Policy.

• "This needs an active NavFi subscription." The connector is part of a paid NavFi plan. Subscribe in the app, then ask again.
• The sign-in page never came back. Remove the NavFi connector from your AI app, add it again and sign in once more.
• ChatGPT does not show the connector. Custom connectors need a paid ChatGPT plan with Developer mode on.
• The code email never arrived. Check spam and promotions, then request a new code.
• Your AI says your data is not ready. NavFi is missing something it needs, such as a checking account or your income. Add it in the NavFi app, then ask your AI to reroute.
• Your AI says the reroute limit is reached. It resets the next day. You can still reroute in the NavFi app.

Still stuck? Email support@navfi.money with the AI app you used and roughly when it happened.

They are NavFi's internal ids for your accounts, bills and turns. Your AI uses them to tell NavFi exactly which one it means. They are not account or card numbers.

No. NavFi never sees your conversation, only the requests your AI makes to NavFi. We keep a log of those requests for support.

Not as a list yet. Every change shows up where you would see it anyway: the bill, the transaction, the destination or the route. If something looks wrong, email us and we will check the log.

You sign in to NavFi directly, using OAuth 2.1, the standard sign-in for AI connectors. Your AI app gets a key that works only with the connector, not the rest of your NavFi account. It expires after an hour and the app renews it in the background. Disconnecting cancels it at once.