Developer Builds AI-Powered Finance Tool, Discovers Income Gap Not Overspending

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A software developer manually downloaded five years of bank statements from Chime and CashApp after hitting API access barriers, then built a local tool called PlaidMCP to let Claude analyze the data conversationally. The analysis revealed no significant wasteful spending, but instead identified a recurring weekly cash shortfall of around $500 caused by bill payment clustering. Claude concluded the root issue was an income ceiling rather than excessive expenditure. The developer acknowledged this matched a conclusion they had long suspected but hoped the data would disprove. The project is ongoing, with future phases aimed at capturing the reasoning behind individual purchases to build a queryable financial journal.

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