portfolio-mcp

What is this?

portfolio-mcp is a Model Context Protocol server that exposes your XP Investimentos portfolio to Claude Desktop (or any MCP-compatible client). You feed it the official PDF/CSV exports XP already gives you — the server parses them, normalizes everything into a local SQLite database, and answers questions through MCP tools.

• 🔒 Local-first — data lives in ~/.xp-mcp/data.db. Core tools make zero outbound HTTP calls; advisor tools (v0.4+) are opt-in.
• 📵 No credentials, no scraping — you control what goes in (PDF/CSV exports).
• 👁 Read-only by design — no tool can place orders or modify anything at XP.
• 🧱 Stdio transport — Claude spawns the process; nothing listens on a port.

Built for personal use, but the architecture works for any custodian that lets you export reports (Rico, NuInvest, Inter, Avenue, ...). PRs welcome.

Why does this exist?

Custodian apps are great at "show me what I have" but terrible at:

• "Compare my current allocation against my target portfolio."
• "Which of my CDBs mature in the next 12 months?"
• "What's my real yield-to-maturity weighted by position size?"
• "How concentrated am I in a single issuer's FGC limit?"

MCP lets you bolt that intelligence onto Claude without giving the LLM provider your credentials, sending your positions to a third-party SaaS, or trusting browser-scraping that breaks every quarter.

Demo

After connecting the server, just chat with Claude:

You: Liste minhas posições agrupadas por classe de ativo.

Claude (using portfolio-mcp.get_positions):
  TESOURO (53.28%)        R$ 16,644.31
    • Tesouro Selic 2031  R$ 14,556.80
    • Tesouro Selic 2028  R$  2,087.51

  RENDA_FIXA_PRIVADA (20.98%)  R$  6,554.32
    • CDB BANCO XP - AGO/2026 - 15,00%       R$ 2,203.85
    • CDB BANCO XP - SET/2026 - 14,95%       R$ 2,197.10
    • CDB BANCO XP - OUT/2026 - 14,55%       R$ 1,083.63
    • CDB BANCO XP - NOV/2027 - 100,00% CDI  R$ 1,069.74

  FUNDO  (10.48%)  R$  3,273.71
  ACAO   ( 7.44%)  R$  2,325.12  (BBAS3)
  FII    ( 7.81%)  R$  2,439.20  (MXRF11, GTWR11)

  Total: R$ 31,236.66

You: Quais CDBs vencem em 2026?

Claude (filters by asset_class + maturity_date):
  3 CDBs maturing in 2026:
    • Aug/2026 — 15.00% pre-fixed     R$ 2,203.85
    • Sep/2026 — 14.95% pre-fixed     R$ 2,197.10
    • Oct/2026 — 14.55% pre-fixed     R$ 1,083.63
  All issued by BANCO XP S.A. (within single-issuer FGC limit ✓)

You: Estou bem alocado em relação ao meu target?

Claude (using portfolio-mcp.calculate_allocation_drift):
  Lendo ~/.xp-mcp/allocation.json (target: 40% Tesouro, 20% RF, 15% FII,
  15% Ações, 5% ETF, 5% Fundos, tolerância ±2pp).

  Mais fora do alvo:
    • TESOURO:  53.28%  (target 40%)  → vender ~R$ 4.148
    • ACAO:      7.44%  (target 15%)  → comprar ~R$ 2.362
    • FII:       7.81%  (target 15%)  → comprar ~R$ 2.247

  Dentro da banda:
    • RENDA_FIXA_PRIVADA: 20.98% (target 20%) ✓

  Fora da banda, magnitude menor:
    • FUNDO: 10.48% (target  5%) — vender ~R$ 1.712
    • ETF:    0.00% (target  5%) — comprar ~R$ 1.562

  Net rebalance: -R$ 152 (aporte pequeno sugerido pra fechar).

You: Me dá um panorama do meu portfólio.

Claude (using portfolio-mcp.get_portfolio_summary):
  Total: R$ 31.236,66 (12 posições, ref. 2026-05-21)
  P&L: +R$ 2.736,66 (+9,60% sobre R$ 28.500 investidos · 8/12 com P&L computável)

  Por classe:
    TESOURO              53,28%  R$ 16.644,31
    RENDA_FIXA_PRIVADA   20,98%  R$  6.554,32  (+4,04%)
    FUNDO                10,48%  R$  3.273,71
    ACAO                  7,44%  R$  2.325,12
    FII                   7,81%  R$  2.439,20

  FGC: R$ 6.554,32 (20,98%) cobertos
  Vencimentos: curto R$ 5.484 · médio R$ 16.625 · longo R$ 1.070 · sem maturity R$ 8.038

  Reconciliação: declarado R$ 31.250,00 vs computado R$ 31.236,66
    → gap −R$ 13,34 (−0,04%, dentro de tolerância)

Architecture

┌─────────────────┐
│  Claude Desktop │
└────────┬────────┘
         │ stdio (JSON-RPC 2.0)
         ▼
┌─────────────────────┐       PDF / CSV       ┌──────────────────────┐
│   portfolio-mcp     │◀──────────────────────│   XP exports         │
│  TypeScript + MCP   │                       │   (your machine)     │
└────────┬────────────┘                       └──────────────────────┘
         │ SQL (better-sqlite3, WAL mode)
         ▼
┌─────────────────────┐
│      SQLite         │
│   ~/.xp-mcp/        │
└─────────────────────┘

      No network. No credentials. Read-only at XP.

Stack: TypeScript · @modelcontextprotocol/sdk · better-sqlite3 · pdf-parse · papaparse · zod

Tools

Quick Start

Add this to your claude_desktop_config.json:

{
  "mcpServers": {
    "portfolio": {
      "command": "npx",
      "args": ["-y", "portfolio-mcp"]
    }
  }
}

Config file location:

• macOS: ~/Library/Application Support/Claude/claude_desktop_config.json
• Windows: %APPDATA%\Claude\claude_desktop_config.json
• Linux: ~/.config/Claude/claude_desktop_config.json

Restart Claude Desktop. Done.

See Development below for clone + build instructions if you want to hack on the server.

How to export from XP

XP has no single "export everything" button. Try in this order:

1. XPerformance PDF (recommended) — Investimentos → XPerformance → ⬇ PDF. The richest single-file snapshot.
2. Portal XP web — Investimentos → Posição Consolidada → Exportar CSV
3. Hub XP / Assessor Digital — Meus Investimentos → Posição → Exportar
4. Notas de corretagem (PDF) — Conta → Documentos → Notas de Corretagem (phase 2)
5. Extrato de movimentação — Conta → Extrato → filtrar período → Exportar

The CSV parser auto-detects ;, ,, \t, | delimiters and fuzzy-matches common XP column names (Quantidade, Qtd, Preço médio, Valor aplicado, ...). If a column is missed, extend HEADER_ALIASES in src/parsers/csv-extract.ts.

Configuring your target allocation

calculate_allocation_drift reads ~/.xp-mcp/allocation.json. A starter file is included at examples/allocation.example.json. Copy it once and edit the percentages:

mkdir -p ~/.xp-mcp
cp examples/allocation.example.json ~/.xp-mcp/allocation.json

The six valid keys are TESOURO, RENDA_FIXA_PRIVADA, FII, ETF, ACAO, FUNDO. Values must sum to 1.00 (±0.001). tolerance_pp is optional — when set, drifts within the band are reported as "ok" with no action.

Try it without Claude

The server speaks JSON-RPC 2.0 over stdio. Smoke test from any terminal:

node dist/index.js <<'EOF'
{"jsonrpc":"2.0","id":1,"method":"initialize","params":{"protocolVersion":"2024-11-05","capabilities":{},"clientInfo":{"name":"smoke","version":"0.0.0"}}}
{"jsonrpc":"2.0","method":"notifications/initialized"}
{"jsonrpc":"2.0","id":2,"method":"tools/list"}
EOF

You should see the server announce itself and list the registered tools.

Advisor (opt-in)

v0.4 adds four MCP tools that turn portfolio-mcp into an investment-analysis advisor. These tools are opt-in: they only make outbound HTTP calls when the user has set outbound_enabled: true in their profile and accepted the disclaimer.

Configure your profile

The profile lives at ~/.xp-mcp/advisor-profile.json. Create or update it with set_advisor_profile:

{
  "risk_tolerance": 6,
  "horizon_years": 15,
  "objective": "balanced",
  "monthly_income_target_brl": 3000,
  "excluded_classes": ["FUNDO"],
  "excluded_tickers": ["XYZW3"],
  "notes": "evitar tabaco, prefiro logística e shoppings",
  "outbound_enabled": true,
  "brapi_token": "..."
}

When you flip outbound_enabled to true, the tool requires accept_disclaimer: true in the same call and stamps accepted_disclaimer_at on the saved profile.

Disclaimer

Análise educacional baseada em dados públicos. Não constitui recomendação de investimento. Decisões financeiras são de sua responsabilidade.

The disclaimer is also returned in warnings[0] of every advisor tool that ranks or suggests assets.

Source: brapi.dev

v0.4 uses brapi.dev as the sole market-data source. Anonymous calls work for personal use; if you hit rate limits, set brapi_token in the profile. Quotes are cached for 60 minutes, fundamentals for 24 hours, universe lists for 7 days. Override per call via cache_ttl_minutes.

Example flow

1. set_advisor_profile — saves the profile, enables outbound
2. get_market_data { tickers: ["BBAS3","MXRF11"] } — quotes
3. screen_assets { asset_class: "FII", criteria: { sort_by: "dividend_yield", order: "desc", filters: { min_dividend_yield_pct: 8 }, limit: 10 } }

Project layout

src/
├── index.ts                       # MCP server entrypoint (stdio transport)
├── tools/
│   ├── import-xperformance-pdf.ts # XPerformance PDF → positions
│   ├── import-extract-csv.ts      # XP CSV → positions
│   └── get-positions.ts           # SQL → positions list with P&L
├── parsers/
│   ├── pdf-xperformance.ts        # PDF text → rows
│   ├── csv-extract.ts             # papaparse + fuzzy header matching
│   ├── classify.ts                # asset-class heuristics + name metadata
│   └── normalize.ts               # BRL / date / quantity normalizers
├── storage/
│   ├── db.ts                      # better-sqlite3 singleton, WAL, env override
│   ├── schema.ts                  # CREATE TABLE + AssetClass enum
│   └── positions-repo.ts          # UPSERT, listPositions, import records
└── util/
    └── zod-to-json-schema.ts      # minimal zod → JSON Schema for MCP

Data model

imports        every parse attempt with row counts, timestamps, source path
positions      one row per (asset_class, external_id); upserted on re-import
transactions   buys/sells from broker notes (phase 2)
dividends      income / proventos (phase 2)

All monetary values are stored as INTEGER cents. Float math + currency is a well-known source of off-by-a-cent bugs; integers make every aggregation exact.

The UNIQUE (asset_class, external_id) constraint + ON CONFLICT DO UPDATE makes re-importing the same file idempotent — no duplicates, no manual deduping.

Design decisions worth calling out

• Wide positions table with nullable per-class columns. A table-per-asset-class would be cleaner in theory but adds JOINs for every read, and the column set is small. The wide table fits the access pattern (Claude almost always wants "all positions, maybe filtered by class").
• Stdio over HTTP. Claude Desktop spawns the process directly. Zero ports listening, no auth surface, no CORS to misconfigure. Trade-off: no remote clients without a wrapper.
• stderr-only logging. stdout is the JSON-RPC wire. One stray console.log silently corrupts every response. All logs go to stderr, where Claude Desktop captures them into ~/Library/Logs/Claude/mcp-server-xp.log.
• No price fetching in MVP. Adding it means a network dependency and a rate-limit problem. When it lands (phase 2), it'll be behind an opt-in env var with a clearly-documented data source.

Privacy

• The SQLite file (~/.xp-mcp/data.db) is the only place your position data lives. .gitignore blocks *.db, *.sqlite, and data/ from ever being committed.
• The server makes no outbound HTTP calls for the core import/inspection tools (import_xperformance_pdf, import_extract_csv, get_positions, calculate_allocation_drift). No telemetry. No analytics.
• The v0.4 advisor tools (get_market_data, screen_assets) call brapi.dev only when outbound_enabled: true in ~/.xp-mcp/advisor-profile.json and the user has accepted the disclaimer. Disabled by default.

Roadmap

• PDF parser for XPerformance (XP's official portfolio report)
• CSV parser for Posição Consolidada / Extrato
• get_positions with class filter, P&L when invested-value is known
• import_nota_corretagem (broker-note PDF → transactions)
• CSV parser for proventos export
• calculate_allocation_drift against ~/.xp-mcp/allocation.json
• v0.3 — npm publish + Smithery + awesome-mcp PR
• v0.4 — Investment advisor foundations: set_advisor_profile, get_advisor_profile, get_market_data, screen_assets (brapi.dev, SQLite cache)
• v0.5 — Portfolio summary + reconciliation gap: get_portfolio_summary (aggregate stats, declared-vs-computed gap)
• v0.6 — Bank extract import + cash flows: import_bank_extract_pdf (XP Conta Digital Extrato → cash_flows table, schema v3), get_cash_flows (filterable query with aggregate totals)
• v0.7 — Suggest Buys: suggest_buys (composes profile + drift + screening into deterministic BUY suggestions per underweight class; non-screenable classes surface in skipped_classes)
• Crypto adapter — new MarketDataSource for Binance / Mercado Bitcoin / Foxbit
• Adapters for other Brazilian brokers (Rico, NuInvest, Inter, Avenue)
• Open Finance Brasil investment module when the standard matures

Changelog

v0.7.0 — Suggest Buys (2026-05-23)

• New tool: suggest_buys — composes advisor profile + allocation drift + asset screening into a deterministic list of BUY suggestions per underweight asset class.
• Encodes a fixed objective × asset_class screening matrix (income/growth/balanced × FII/ACAO/ETF).
• Non-screenable underweight classes (TESOURO, RENDA_FIXA_PRIVADA, FUNDO) surface in a dedicated skipped_classes field rather than being silently dropped.
• Each suggestion includes amount_brl (= class gap / actual_returned), score, rationale, and already_owned.
• 12 tools total (was 11). No schema migration.

Development

For contributors or anyone who wants to run a local checkout instead of the published npm package:

git clone https://github.com/Satsuj1n/portfolio-mcp
cd portfolio-mcp
npm install
npm run build
npm run test

Then point claude_desktop_config.json at the local build:

{
  "mcpServers": {
    "portfolio": {
      "command": "node",
      "args": ["/absolute/path/to/portfolio-mcp/dist/index.js"]
    }
  }
}

Run the type checker with npm run typecheck. Smoke-test the MCP server end-to-end with:

node dist/index.js <<'EOF'
{"jsonrpc":"2.0","id":1,"method":"initialize","params":{"protocolVersion":"2024-11-05","capabilities":{},"clientInfo":{"name":"local","version":"0.0.0"}}}
{"jsonrpc":"2.0","method":"notifications/initialized"}
{"jsonrpc":"2.0","id":2,"method":"tools/list"}
EOF

Contributing

PRs welcome — especially:

• New parsers (other brokers, other export formats)
• Heuristics for classifyAsset covering edge cases your portfolio exposes
• Additional tools (calculate_allocation_drift, get_dividends, ...)
• Tests with anonymized fixtures (no real position values, no real account numbers)

Please never include real portfolio data, account numbers, or PDFs in your PR. Use the fixture pattern in tests/fixtures/ (synthetic data only).

License

MIT — see LICENSE.

Built by Felipe Lima · Powered by Model Context Protocol.