Subscription Audit Pipeline with LunchMoney MCP and Claude
Personal Finance Automation
Quick Answer
LunchMoney MCP provides 6 months of transaction history, Claude identifies all recurring charges and calculates their annual cost, the audit report recommends specific subscriptions to cancel based on duplication and value. Setup under an hour.
The Problem This Solves
Most people have no clear picture of all their active subscriptions or their total monthly subscription cost. Manually auditing transaction history is tedious. This workflow delivers a complete subscription audit automatically in minutes.
About This Workflow
Subscription creep is one of the most common sources of wasted personal spending. This workflow pulls your transaction history from LunchMoney MCP, uses Claude to identify all recurring charges by merchant, groups them by category, estimates annual cost for each, and delivers a subscription audit with specific cancel recommendations based on cost, duplication, and likely usage patterns. Running this workflow quarterly catches new subscriptions before they compound into significant annual spend.
Tools Required
Step-by-Step Blueprint
Trigger quarterly subscription audit
ZapierCreate a Zapier Schedule trigger to run on the first day of each quarter. Subscription audits are most useful quarterly to catch new subscriptions before they become habitual.
Pull 6 months of transactions from LunchMoney MCP
LunchMoney MCPAdd a Webhooks action to call LunchMoney MCP and retrieve all transactions from the past 6 months. Six months of history catches subscriptions on any billing cycle including annual.
Identify recurring charges with Claude
ClaudeAdd a Webhooks action to call the Claude API. Send the full transaction list and instruct Claude to identify all recurring charges by: merchant name, billing frequency, amount, and category. Group duplicates and calculate annual cost for each subscription.
Generate cancel recommendations
ClaudeAdd a second Webhooks Claude call. Send the identified subscriptions and instruct Claude to recommend which to cancel based on: duplicate services in the same category, high cost relative to likely usage, and subscriptions common to cancel based on general patterns.
Email subscription audit report
GmailAdd a Gmail action to send the subscription audit. Include total monthly and annual subscription cost, list of all identified subscriptions by category, and a prioritized cancel list with estimated annual savings.
Cost Estimate
Zapier Professional $19.99/month. LunchMoney $10/month. Claude API costs minimal for quarterly audit runs.