Talk to your money in Claude.
Connect Pearl to Claude and ask real questions about your own finances — net worth, spending, budgets, goals — answered from your actual numbers, not guesses.
It's read-mostly, and every request is locked to your account only. Pearl can never move money.
What you need first
Three things, then you're two minutes from connected.
A Pearl account
Sign up in the Pearl app or on the website. You'll sign into Claude with the same phone number.
An active subscription
The connector is for Pearl subscribers. Free or expired accounts get a friendly "subscribe first" message instead of data.
At least one linked bank
Every answer reads your real accounts, so you need one connected through Plaid. No bank linked = nothing to answer from.
A Claude account
Any plan works — free included — on web, desktop, and mobile. Free plans are limited to one custom connector, so Pearl may need to be it.
Don't have a Pearl account or a linked bank yet? Start onboarding →
Set up in ~2 minutes
Once Pearl is live in the Claude connector directory you'll just search for it. Until then, add it as a custom connector:
Connector URL
Open connector settings
In claude.ai, go to Settings → Connectors → Add custom connector.
Paste the server URL
Use the Pearl connector URL below. Leave Client ID and Secret blank — Claude registers itself.
Sign in with your phone
A window opens the Pearl sign-in page. Enter your Pearl phone number, then the code we text you (OTP).
Review and approve
Read the consent screen showing what Claude can access, then tap Approve. That's it — start asking.
Claude Desktop and Claude Code work the same way
Claude Desktop uses the same Settings → Connectors flow. Connectors added on the web also show up in the mobile apps.
In Claude Code, add it from the terminal:
Then run /mcp to sign in with the same phone-number flow.
What Claude can see and do
32 tools in total. Reads run on their own; every change asks for your OK first.
See (read-only)
Runs without asking each time — nothing changes.
Balances & net worth
Cash accounts, investment holdings, and your net worth in one number.
get_cash_accounts · get_investments · calculate_net_worth · get_financial_snapshot
Spending & income
Look up any transaction, category, or merchant over any time window, plus your average monthly surplus.
query_financial_data · calculate_average_surplus
Recurring bills
The subscriptions and bills Pearl detected hitting your accounts.
get_recurring_bills
Debts
What you owe, a payoff plan for any extra payment, and your debt-to-income ratio.
get_debts · calculate_debt_payoff · calculate_dti
Goals
Your savings goals and how long each one takes at your current pace.
get_goals · calculate_goal_timeline
Budgets
Your monthly budgets versus what you actually spent.
get_budgets
Cash flow & runway
Project cash flow forward, see how many months of runway you have, and estimate your next paycheck.
project_cashflow · calculate_runway · project_next_income
What-if scenarios
Model a change — a raise, a big purchase, a new bill — before you commit.
simulate_scenario
Tax profile & plan history
The tax basics you told Pearl (state, employment type, withholding) and the history of plan moves you've made.
get_tax_profile · get_plan_history
Connect more accounts
Get a secure link to connect another bank, or to reconnect one that stopped syncing. Claude can't link banks or move money itself — it hands you the link to tap.
get_connect_accounts_link
Do (asks first)
Claude shows a consent prompt the first time it uses each of these. None of them move money.
Create & update goals
Start a savings goal, edit it, or cancel one. Goals are never hard-deleted.
create_goal · update_goal
Set budgets
Set or change a monthly budget for any spending category.
set_budget
Clean up transactions
Fix a wrong category, add a note or one-time flag, or tag transactions as business vs. personal.
recategorize_transactions · annotate_transaction · tag_transactions_business_personal
Manage recurring bills
Add a bill Pearl missed, correct a wrong one, or delete a bill you added yourself.
create_recurring_bill · update_recurring_bill · delete_recurring_bill
Organize accounts
Hide or unhide an account from your analysis, or tag a whole account as business or personal.
set_account_visibility · tag_account_business_personal
Update your tax profile
Correct the tax basics Pearl uses (your state is encrypted at rest).
update_tax_profile
Try these prompts
Copy any of these into Claude once you're connected.
What's my net worth right now?
Where did my money go last month?
Can I afford a $2,000 trip in October?
How long until my emergency fund hits $10,000 at my current pace?
Which subscriptions am I paying for that I might have forgotten about?
If I put an extra $500 a month toward my credit card, when is it paid off?
Set my dining-out budget to $300 a month.
Asks firstRecategorize my Amazon charges from last week as Shopping.
Asks firstPrompts marked "asks first" make a change, so Claude will ask you to approve it before anything is saved.
Your data, your rules
Plain-English on what happens when you connect.
Scoped to you, always
Every request is locked server-side to your own account. There's no way — in the tools or the code — to ask about anyone else's money.
Pearl never moves money
No transfers, no trades, no payments, no opening or closing accounts. That capability doesn't exist in the connector. It's also a hard rule of the Claude directory, and we comply.
What goes to Claude
When you ask a question, the numbers needed to answer it flow to Anthropic to generate the reply, under Anthropic's terms. See Anthropic's privacy policy for how they handle it.
Anthropic privacy policy →What Pearl stores
Your accounts stay connected read-only through Plaid, and Pearl keeps a log of every tool call (which tool, when, how long) — that's also how we enforce fair-use limits. Full details are in our privacy policy.
Pearl privacy policy →Deletes are reversible
Canceling a goal is a soft-cancel, not a wipe. The only thing the connector can truly delete is a recurring bill you added yourself.
Fair-use limits
There's a rate limit (about 60 tool calls every 5 minutes) so nothing runs away. One question usually uses a handful of calls.
Disconnect any time
Two ways to cut Claude off. Either one is instant.
Remove the connector in Claude
In claude.ai, go to Settings → Connectors → Pearl → Remove. Claude immediately stops being able to see your data.
Revoke access from Pearl
Disconnect a bank (Account menu → My accounts → Disconnect) or delete your Pearl account, and the connector loses its data source right away.
Tokens expire on their own
Your sign-in token has a limited life and can be revoked. Reconnecting just re-runs the quick phone sign-in.
If something's not working
"Subscription required"
"Connect a bank first" / empty answers
The text code (OTP) never arrives
The sign-in screen keeps looping
Numbers look out of date
"Rate limit reached"
Need a hand?
Real humans answer. We reply within 24 hours.
pearl@pearltech.xyzFound a security issue? Report it responsibly and we'll fix it fast. Please don't post it publicly first. pearl@pearltech.xyz
Important Disclosures
What Pearl Is (and Isn't)
Pearl is a financial coaching and education tool. It connects your financial accounts — read-only — so Claude can answer questions grounded in your real data, and it can record the plan you set (goals, budgets, transaction categories) when you ask. Pearl does not move money, execute trades, pay bills, or manage accounts on your behalf, and it has no capability to do so.
Not Financial Advice
The information provided by Pearl and this website is for general informational and educational purposes only. Pearl Tech Inc. does not provide and this website does not constitute financial, investment, legal, tax, or other professional advice. Pearl Tech Inc. is not registered as an investment adviser with the SEC or any state securities authority, and is not a broker-dealer. Nothing on this website or in the product should be construed as a recommendation or solicitation to buy, sell, or hold any investment or security.
AI Technology Limitations
Pearl grounds Claude's answers in your real account data and deterministic calculations, but AI systems have inherent limitations: they can make errors, misread context, and cannot account for all personal circumstances. Connected-account data may be delayed or incomplete. AI-generated information should not be solely relied upon for financial decisions — verify important numbers before acting on them.
Investment Risks
All investments involve risk, including the potential loss of principal. Past performance does not guarantee future results. The value of investments can go down as well as up. Any projections, forecasts, scenario simulations, or hypothetical illustrations shown are for informational purposes only and do not represent actual investment performance or guaranteed outcomes.
No Guarantees
Pearl Tech Inc. makes no guarantees regarding savings, investment returns, debt payoff timelines, or any specific financial outcomes. Market conditions, economic factors, and individual circumstances can all impact financial results in unpredictable ways.
Your Responsibility
You are solely responsible for your own financial decisions. Pearl provides information and tools; you make every actual move with your money. Before making significant investment, tax, or financial decisions, consult qualified professionals who can consider your specific circumstances.
Your Financial Data Stays Private
We do NOT sell or share your financial data. Your account information, transactions, and financial details are never sold to third parties, shared for marketing purposes, or provided to data brokers. We only use your data to provide you with Pearl's services.
Third-Party Services
Pearl connects to your financial accounts through regulated third-party services such as Plaid, and operates within AI platforms such as Claude (Anthropic). Pearl Tech Inc. is not responsible for the security, availability, or performance of third-party services. Your use of any third-party services is subject to their respective terms and conditions. Claude is a trademark of Anthropic, PBC. Pearl is an independent product and is not affiliated with, endorsed by, or sponsored by Anthropic. Product depictions of Claude on this site are illustrative mockups.
Regulatory Compliance
Pearl Tech Inc. is committed to full regulatory compliance. Pearl does not currently offer investment advisory or money movement services; if such features are ever offered, they will only be provided after appropriate SEC and/or state registration and in compliance with applicable banking regulations, with updated terms and notices. Certain features may not be available in all jurisdictions. Services are currently intended for U.S. residents only.
Acceptance
By using this website or Pearl, you acknowledge that you have read and understood this disclaimer, our Terms and Conditions, Privacy Policy, and Disclosure. For questions, contact us at pearl@pearltech.xyz.
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