How to integrate PocketSmith MCP with Mastra AI

This guide walks you through connecting PocketSmith to Mastra AI using the Composio tool router. By the end, you'll have a working PocketSmith agent that can track your transactions, review your budgets, summarize spending, manage categories, and update accounts through natural language commands. This guide will help you understand how to give your Mastra AI agent real control over a PocketSmith account through Composio's PocketSmith MCP server. Before we dive in, let's take a quick look at the key ideas and tools involved.

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PocketSmith is a personal finance platform for accounts, transactions, budgets, and cash-flow forecasts. Use it to understand spending, plan ahead, and make better money decisions.

14 Tools

Introduction

This guide walks you through connecting PocketSmith to Mastra AI using the Composio tool router. By the end, you'll have a working PocketSmith agent that can track your transactions, review your budgets, summarize spending, manage categories, and update accounts through natural language commands.

This guide will help you understand how to give your Mastra AI agent real control over a PocketSmith account through Composio's PocketSmith MCP server.

Before we dive in, let's take a quick look at the key ideas and tools involved.

Also integrate PocketSmith with

OpenAI Agents SDKClaude Agent SDKClaude CodeClaude CoworkCodexOpenClawHermesCLIGoogle ADKLangChainVercel AI SDKLlamaIndexCrewAI

TL;DR

Here's what you'll learn:
  • Set up your environment so Mastra, OpenAI, and Composio work together
  • Create a Tool Router session in Composio that exposes PocketSmith tools
  • Connect Mastra's MCP client to the Composio generated MCP URL
  • Fetch PocketSmith tool definitions and attach them as a toolset
  • Build a Mastra agent that can reason, call tools, and return structured results
  • Run an interactive CLI where you can chat with your PocketSmith agent

What is Mastra AI?

Mastra AI is a TypeScript framework for building AI agents with tool support. It provides a clean API for creating agents that can use external services through MCP.

Key features include:

  • MCP Client: Built-in support for Model Context Protocol servers
  • Toolsets: Organize tools into logical groups
  • Step Callbacks: Monitor and debug agent execution
  • OpenAI Integration: Works with OpenAI models via @ai-sdk/openai

What is the PocketSmith MCP server, and what's possible with it?

The PocketSmith MCP server is an implementation of the Model Context Protocol that connects your AI agent and assistants like Claude, Cursor, etc directly to your PocketSmith account. It provides structured and secure access to your accounts, transactions, categories, and budgets, so your agent can review spending, record transactions, organize finances, update account details, and analyze budgets on your behalf.

  • Account and balance overview: Have your agent list your financial and transaction accounts, check their balances, and gather the details needed to manage your finances.
  • Transaction tracking and updates: Let the agent find transactions by date, state, type, or keyword, review individual records, create new transactions, and update existing ones.
  • Spending categorization: Direct your agent to list, create, and update categories, including category hierarchy and budgeting behavior.
  • Budget analysis: Instruct your agent to review current category-level actual and forecast budgets or summarize income and expenses across a chosen date range and interval.
  • Account organization: Have your agent update selected details on your financial accounts while leaving balances and transactions unchanged.

What is the Composio tool router, and how does it fit here?

What is Composio SDK?

Composio's Composio SDK helps agents find the right tools for a task at runtime. You can plug in multiple toolkits (like Gmail, HubSpot, and GitHub), and the agent will identify the relevant app and action to complete multi-step workflows. This can reduce token usage and improve the reliability of tool calls. Read more here: Getting started with Composio SDK

The tool router generates a secure MCP URL that your agents can access to perform actions.

How the Composio SDK works

The Composio SDK follows a three-phase workflow:

  1. Discovery: Searches for tools matching your task and returns relevant toolkits with their details.
  2. Authentication: Checks for active connections. If missing, creates an auth config and returns a connection URL via Auth Link.
  3. Execution: Executes the action using the authenticated connection.

Step-by-step Guide

Step by step09 STEPS
1

Prerequisites

Before starting, make sure you have:
  • Node.js 18 or higher
  • A Composio account with an active API key
  • An OpenAI API key
  • Basic familiarity with TypeScript
2

Getting API Keys for OpenAI and Composio

OpenAI API Key
  • Go to the OpenAI dashboard and create an API key.
  • You need credits or a connected billing setup to use the models.
  • Store the key somewhere safe.
Composio API Key
  • Log in to the Composio dashboard.
  • Go to Settings and copy your API key.
  • This key lets your Mastra agent talk to Composio and reach PocketSmith through MCP.
3

Install dependencies

bash
npm install @composio/core @mastra/core @mastra/mcp @ai-sdk/openai dotenv

Install the required packages.

What's happening:

  • @composio/core is the Composio SDK for creating MCP sessions
  • @mastra/core provides the Agent class
  • @mastra/mcp is Mastra's MCP client
  • @ai-sdk/openai is the model wrapper for OpenAI
  • dotenv loads environment variables from .env
4

Set up environment variables

bash
COMPOSIO_API_KEY=your_composio_api_key_here
COMPOSIO_USER_ID=your_user_id_here
OPENAI_API_KEY=your_openai_api_key_here

Create a .env file in your project root.

What's happening:

  • COMPOSIO_API_KEY authenticates your requests to Composio
  • COMPOSIO_USER_ID tells Composio which user this session belongs to
  • OPENAI_API_KEY lets the Mastra agent call OpenAI models
5

Import libraries and validate environment

typescript
import "dotenv/config";
import { openai } from "@ai-sdk/openai";
import { Agent } from "@mastra/core/agent";
import { MCPClient } from "@mastra/mcp";
import { Composio } from "@composio/core";
import * as readline from "readline";

import type { AiMessageType } from "@mastra/core/agent";

const openaiAPIKey = process.env.OPENAI_API_KEY;
const composioAPIKey = process.env.COMPOSIO_API_KEY;
const composioUserID = process.env.COMPOSIO_USER_ID;

if (!openaiAPIKey) throw new Error("OPENAI_API_KEY is not set");
if (!composioAPIKey) throw new Error("COMPOSIO_API_KEY is not set");
if (!composioUserID) throw new Error("COMPOSIO_USER_ID is not set");

const composio = new Composio({
  apiKey: composioAPIKey as string,
});
What's happening:
  • dotenv/config auto loads your .env so process.env.* is available
  • openai gives you a Mastra compatible model wrapper
  • Agent is the Mastra agent that will call tools and produce answers
  • MCPClient connects Mastra to your Composio MCP server
  • Composio is used to create a Tool Router session
6

Create a Tool Router session for PocketSmith

typescript
async function main() {
  const session = await composio.create(
    composioUserID as string,
    {
      toolkits: ["pocketsmith"],
    },
  );

  const composioMCPUrl = session.mcp.url;
  console.log("PocketSmith MCP URL:", composioMCPUrl);
What's happening:
  • create spins up a short-lived MCP HTTP endpoint for this user
  • The toolkits array contains "pocketsmith" for PocketSmith access
  • session.mcp.url is the MCP URL that Mastra's MCPClient will connect to
7

Configure Mastra MCP client and fetch tools

typescript
const mcpClient = new MCPClient({
    id: composioUserID as string,
    servers: {
      nasdaq: {
        url: new URL(composioMCPUrl),
        requestInit: {
          headers: session.mcp.headers,
        },
      },
    },
    timeout: 30_000,
  });

console.log("Fetching MCP tools from Composio...");
const composioTools = await mcpClient.getTools();
console.log("Number of tools:", Object.keys(composioTools).length);
What's happening:
  • MCPClient takes an id for this client and a list of MCP servers
  • The headers property includes the x-api-key for authentication
  • getTools fetches the tool definitions exposed by the PocketSmith toolkit
8

Create the Mastra agent

typescript
const agent = new Agent({
    name: "pocketsmith-mastra-agent",
    instructions: "You are an AI agent with PocketSmith tools via Composio.",
    model: "openai/gpt-5",
  });
What's happening:
  • Agent is the core Mastra agent
  • name is just an identifier for logging and debugging
  • instructions guide the agent to use tools instead of only answering in natural language
  • model uses openai("gpt-5") to configure the underlying LLM
9

Set up interactive chat interface

typescript
let messages: AiMessageType[] = [];

console.log("Chat started! Type 'exit' or 'quit' to end.\n");

const rl = readline.createInterface({
  input: process.stdin,
  output: process.stdout,
  prompt: "> ",
});

rl.prompt();

rl.on("line", async (userInput: string) => {
  const trimmedInput = userInput.trim();

  if (["exit", "quit", "bye"].includes(trimmedInput.toLowerCase())) {
    console.log("\nGoodbye!");
    rl.close();
    process.exit(0);
  }

  if (!trimmedInput) {
    rl.prompt();
    return;
  }

  messages.push({
    id: crypto.randomUUID(),
    role: "user",
    content: trimmedInput,
  });

  console.log("\nAgent is thinking...\n");

  try {
    const response = await agent.generate(messages, {
      toolsets: {
        pocketsmith: composioTools,
      },
      maxSteps: 8,
    });

    const { text } = response;

    if (text && text.trim().length > 0) {
      console.log(`Agent: ${text}\n`);
        messages.push({
          id: crypto.randomUUID(),
          role: "assistant",
          content: text,
        });
      }
    } catch (error) {
      console.error("\nError:", error);
    }

    rl.prompt();
  });

  rl.on("close", async () => {
    console.log("\nSession ended.");
    await mcpClient.disconnect();
    process.exit(0);
  });
}

main().catch((err) => {
  console.error("Fatal error:", err);
  process.exit(1);
});
What's happening:
  • messages keeps the full conversation history in Mastra's expected format
  • agent.generate runs the agent with conversation history and PocketSmith toolsets
  • maxSteps limits how many tool calls the agent can take in a single run
  • onStepFinish is a hook that prints intermediate steps for debugging

Complete Code

Here's the complete code to get you started with PocketSmith and Mastra AI:

typescript
import "dotenv/config";
import { openai } from "@ai-sdk/openai";
import { Agent } from "@mastra/core/agent";
import { MCPClient } from "@mastra/mcp";
import { Composio } from "@composio/core";
import * as readline from "readline";

import type { AiMessageType } from "@mastra/core/agent";

const openaiAPIKey = process.env.OPENAI_API_KEY;
const composioAPIKey = process.env.COMPOSIO_API_KEY;
const composioUserID = process.env.COMPOSIO_USER_ID;

if (!openaiAPIKey) throw new Error("OPENAI_API_KEY is not set");
if (!composioAPIKey) throw new Error("COMPOSIO_API_KEY is not set");
if (!composioUserID) throw new Error("COMPOSIO_USER_ID is not set");

const composio = new Composio({ apiKey: composioAPIKey as string });

async function main() {
  const session = await composio.create(composioUserID as string, {
    toolkits: ["pocketsmith"],
  });

  const composioMCPUrl = session.mcp.url;

  const mcpClient = new MCPClient({
    id: composioUserID as string,
    servers: {
      pocketsmith: {
        url: new URL(composioMCPUrl),
        requestInit: {
          headers: session.mcp.headers,
        },
      },
    },
    timeout: 30_000,
  });

  const composioTools = await mcpClient.getTools();

  const agent = new Agent({
    name: "pocketsmith-mastra-agent",
    instructions: "You are an AI agent with PocketSmith tools via Composio.",
    model: "openai/gpt-5",
  });

  let messages: AiMessageType[] = [];

  const rl = readline.createInterface({
    input: process.stdin,
    output: process.stdout,
    prompt: "> ",
  });

  rl.prompt();

  rl.on("line", async (input: string) => {
    const trimmed = input.trim();
    if (["exit", "quit"].includes(trimmed.toLowerCase())) {
      rl.close();
      return;
    }

    messages.push({ id: crypto.randomUUID(), role: "user", content: trimmed });

    const { text } = await agent.generate(messages, {
      toolsets: { pocketsmith: composioTools },
      maxSteps: 8,
    });

    if (text) {
      console.log(`Agent: ${text}\n`);
      messages.push({ id: crypto.randomUUID(), role: "assistant", content: text });
    }

    rl.prompt();
  });

  rl.on("close", async () => {
    await mcpClient.disconnect();
    process.exit(0);
  });
}

main();

Conclusion

You've built a Mastra AI agent that can interact with PocketSmith through Composio's Tool Router. You can extend this further by:
  • Adding other toolkits like Gmail, Slack, or GitHub
  • Building a web-based chat interface around this agent
  • Using multiple MCP endpoints to enable cross-app workflows
TOOLS

Supported Tools

Every PocketSmith action and event your agent gets out of the box.

Create Category

Create one category for a PocketSmith user with optional hierarchy and budgeting behavior.

Create Transaction

Create one transaction in a specified transaction account and return the created financial record.

Get Budget

Return a PocketSmith user's current category-level actual and forecast budget analysis.

Get Budget Summary

Analyze the user's combined income and expense budget over a required date range and period interval.

Get Current User

Return the PocketSmith user authorized by the connected developer key, including the user ID needed by user-scoped tools.

Get Transaction

Return one PocketSmith transaction by ID with its amount, date, payee, category, labels, and review state.

List Accounts

Return all financial accounts belonging to a PocketSmith user, including account, primary transaction-account, and scenario IDs.

List Categories

Return all categories belonging to a PocketSmith user, including hierarchy and budgeting flags.

List Transaction Accounts

Return the transaction accounts belonging to a PocketSmith user, including IDs and balances needed to create and query transactions.

List Transactions

Return one page of a user's transactions with optional date, state, type, and keyword filters, plus a cursor for the next page.

Update Account

Update selected metadata on one financial account without deleting it or changing transaction-account balances.

Update Category

Update selected hierarchy, display, and budgeting fields on one category without deleting it.

Update Transaction

Update selected fields on one existing transaction without deleting or splitting it.

Update Transactions

Update 1-20 distinct transactions sequentially.

FRAMEWORKS

How to build PocketSmith MCP Agent with another framework

OpenAI Agents SDK logo

OpenAI Agents SDK

Use PocketSmith MCP with OpenAI Agents SDK

Claude Agent SDK logo

Claude Agent SDK

Use PocketSmith MCP with Claude Agent SDK

Claude Code logo

Claude Code

Use PocketSmith MCP with Claude Code

Claude Cowork logo

Claude Cowork

Use PocketSmith MCP with Claude Cowork

Codex logo

Codex

Use PocketSmith MCP with Codex

OpenClaw logo

OpenClaw

Use PocketSmith MCP with OpenClaw

Hermes logo

Hermes

Use PocketSmith MCP with Hermes

CLI logo

CLI

Use PocketSmith MCP with CLI

Google ADK logo

Google ADK

Use PocketSmith MCP with Google ADK

LangChain logo

LangChain

Use PocketSmith MCP with LangChain

Vercel AI SDK logo

Vercel AI SDK

Use PocketSmith MCP with Vercel AI SDK

LlamaIndex logo

LlamaIndex

Use PocketSmith MCP with LlamaIndex

CrewAI logo

CrewAI

Use PocketSmith MCP with CrewAI

FAQ

Frequently asked questions

With a standalone PocketSmith MCP server, the agents and LLMs can only access a fixed set of PocketSmith tools tied to that server. However, with the Composio Tool Router, agents can dynamically load tools from PocketSmith and many other apps based on the task at hand, all through a single MCP endpoint.

Yes, you can. Mastra AI fully supports MCP integration. You get structured tool calling, message history handling, and model orchestration while Tool Router takes care of discovering and serving the right PocketSmith tools.

Yes, absolutely. You can configure which PocketSmith scopes and actions are allowed when connecting your account to Composio. You can also bring your own OAuth credentials or API configuration so you keep full control over what the agent can do.

All sensitive data such as tokens, keys, and configuration is fully encrypted at rest and in transit. Composio is SOC 2 Type 2 compliant and follows strict security practices so your PocketSmith data and credentials are handled as safely as possible.

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