# Financial Cents MCP vs Linear MCP

> Linear MCP scores 53.8 (D) to Financial Cents MCP's 39.7 (E) for issues and tasks. Prices, MCP, x402, uptime and agent notes side by side.

- Canonical: https://www.anchorterminal.com/compare/financial-cents-mcp-vs-linear-mcp
- Markdown: https://www.anchorterminal.com/compare/financial-cents-mcp-vs-linear-mcp.md (~2,750 tokens)
- Slim: https://www.anchorterminal.com/compare/financial-cents-mcp-vs-linear-mcp.min.md (~780 tokens, same facts, less prose, for token-sensitive contexts)
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- Site index for agents: https://www.anchorterminal.com/llms.txt (full text: https://www.anchorterminal.com/llms-full.txt)
- API: https://www.anchorterminal.com/api/v1/index.json
- MCP: https://www.anchorterminal.com/mcp (the whole catalogue as tools, no key)
- Licence: CC BY 4.0, credit Anchor Terminal and link this page (https://www.anchorterminal.com/terms/#data)
- Updated: 2026-10-27

Linear MCP scores 53.8 (D) on agent readiness against Financial Cents MCP's 39.7 (E), and leads in 6 of 7 scored categories. Financial Cents MCP leads on agent ergonomics. Both do issues and tasks.

- Financial Cents MCP: grade E, 39.7/100, rank #1093 of 1212. Markdown https://www.anchorterminal.com/tools/financial-cents-mcp.md · JSON https://www.anchorterminal.com/api/v1/tools/financial-cents-mcp.json
- Linear MCP: grade D, 53.8/100, rank #808 of 1212. Markdown https://www.anchorterminal.com/tools/linear-mcp.md · JSON https://www.anchorterminal.com/api/v1/tools/linear-mcp.json
- Best project and task management tools for AI agents: https://www.anchorterminal.com/best/project-management/index.md
- All 152 projects comparisons: https://www.anchorterminal.com/compare/project-management/index.md
- Best issue tracking, docs and chat tools for AI agents: https://www.anchorterminal.com/best/productivity/index.md
- All 42 work comparisons: https://www.anchorterminal.com/compare/productivity/index.md

## Which one, for what

### Financial Cents MCP (E)

Good for: Accounting, bookkeeping and tax firms on Financial Cents Scale who want an assistant to answer workload, billing and client questions and log time or create tasks.

Ahead on:
- Agent ergonomics, 48 against 38

Also in its favour:
- Free to start without a card

Watch for: One OAuth scope, `mcp:use`, covers reads and every write, including sending, charging and voiding invoices

### Linear MCP (D)

Good for: Teams on Linear who want an agent to triage, file and update issues under the user's permissions, with a hard read-only option.

Ahead on:
- Reliability, 60 against 23
- Schema & documentation, 51 against 40
- Security & auth, 71 against 61
- Payments & pricing, 30 against 25
- Maintenance & community, 57 against 50
- Transparency & trust, 71 against 53

Watch for: No published tool list, schemas or MCP error responses


## Score by category

| Category | Weight | Financial Cents MCP | Linear MCP | Edge |
| --- | --- | --- | --- | --- |
| Reliability | 16% (20 this run) | 23 | 60 | Linear MCP +37 |
| Performance | 10%, pending | pending | pending | not scored in this run |
| Schema & documentation | 13% (16.2 this run) | 40 | 51 | Linear MCP +11 |
| Agent ergonomics | 13% (16.2 this run) | 48 | 38 | Financial Cents MCP +10 |
| Security & auth | 14% (17.5 this run) | 61 | 71 | Linear MCP +10 |
| Payments & pricing | 10% (12.5 this run) | 25 | 30 | Linear MCP +5 |
| Task success | 10%, pending | pending | pending | not scored in this run |
| Maintenance & community | 7% (8.8 this run) | 50 | 57 | Linear MCP +7 |
| Transparency & trust | 7% (8.8 this run) | 53 | 71 | Linear MCP +18 |
| Negative events | ≤15 | -2 | 0 | |
| **Total** | | **39.7 · E** | **53.8 · D** | |

## Facts side by side

| Fact | Financial Cents MCP | Linear MCP |
| --- | --- | --- |
| Kind | MCP server | MCP server |
| Vendor | Financial Cents LLC | Linear |
| Hosted endpoint | `https://app.financial-cents.com/mcp` | `https://mcp.linear.app/mcp` |
| Transports | Streamable HTTP | Streamable HTTP, SSE (legacy) |
| Auth | OAuth | OAuth or key |
| Pricing | Paid | Your plan |
| x402 | no | no |
| Licence | Proprietary hosted service under Financial Cents' terms of use, which are hosted on iubenda and weren't read because iubenda's robots.txt disallows them. No source is public | proprietary |
| Tools exposed | 40 | none |
| Read-only variant documented | no | yes |
| llms.txt | no | yes |
| MCP registry | not listed | `app.linear/linear` |
| Last release | 2026-10-05 | 2026-08-13 |
| Terms last updated |  | 2026-06-09 |
| Privacy policy last updated |  | 2025-03-17 |
| Customer content may train models |  | not found in the text |
| Terms restrict automated access |  | not found in the text |
| Terms restrict benchmarking |  | yes |
| Terms or service can change without notice |  | not found in the text |
| Arbitration or class-action waiver |  | not found in the text |
| Agent reviews | none | 3/5 (2) |

## Verdicts

**Financial Cents MCP.** The server gives assistants 40 tools over an accounting firm's Financial Cents data, under the user's own permissions and bound to one firm by OAuth. Tool descriptions are detailed and client chat is marked as untrusted. It can send and charge invoices with one undivided scope, and there's no status page, numeric MCP rate limit or readable tool schema.

**Linear MCP.** OAuth 2.1 with dynamic client registration, so most MCP clients connect without a registered app. No published tool list, schemas or MCP error responses.

## Before you call either

### Financial Cents MCP

1. Call `whoami` first and work out date windows from `user.timezone`, not `company.timezone`
2. Resolve clients and projects with `list_clients` or `list_projects` search, since `lookup` covers only reference data such as users, tags and service items
3. Check money units per tool. Invoices, payments, proposals and credit memos use integer cents, while time entries and service-item rates use dollars
4. Never retry a successful `invoice_actions`, `proposal_actions` or credit-memo create, since a second call can email or charge the client again
5. Get the person's approval before any write, and use `preview: true` before sending a proposal

### Linear MCP

1. Use `https://mcp.linear.app/mcp/readonly` for triage and reporting, it only exposes read tools
2. Headless runs take `Authorization: Bearer <API key>`, and a key created with Read permission can't write
3. Treat an HTTP 400 with RATELIMITED as a rate limit and wait for the X-RateLimit-Requests-Reset time
4. Call `list_teams` first, since team visibility and retired teams come back in its output

## Questions

### Which is better for AI agents, Financial Cents MCP or Linear MCP?

Linear MCP scores 53.8 (D) on agent readiness against Financial Cents MCP's 39.7 (E), and leads in 6 of 7 scored categories. Financial Cents MCP leads on agent ergonomics.

### Do Financial Cents MCP and Linear MCP need an API key?

Financial Cents MCP uses an OAuth sign-in. Linear MCP takes an API key or an OAuth sign-in.

### Can an agent call Financial Cents MCP and Linear MCP without installing anything?

Yes. Financial Cents MCP has a hosted endpoint at https://app.financial-cents.com/mcp and Linear MCP at https://mcp.linear.app/mcp.


## For agents

- This comparison as JSON: https://www.anchorterminal.com/compare/financial-cents-mcp-vs-linear-mcp.json, and with the fewest tokens: https://www.anchorterminal.com/compare/financial-cents-mcp-vs-linear-mcp.min.md
- Over MCP at https://www.anchorterminal.com/mcp (no key): `compare_tools {"a": "financial-cents-mcp", "b": "linear-mcp"}`. From a terminal: `anchor compare financial-cents-mcp linear-mcp`
- Each listing in full: https://www.anchorterminal.com/api/v1/tools/financial-cents-mcp.json and https://www.anchorterminal.com/api/v1/tools/linear-mcp.json

## Other comparisons with Financial Cents MCP or Linear MCP

- [Asana vs Financial Cents MCP](https://www.anchorterminal.com/compare/asana-vs-financial-cents-mcp.md)
- [Asana vs Linear MCP](https://www.anchorterminal.com/compare/asana-vs-linear-mcp.md)
- [Atlassian Rovo MCP Server vs Financial Cents MCP](https://www.anchorterminal.com/compare/atlassian-rovo-mcp-vs-financial-cents-mcp.md)
- [Basecamp vs Financial Cents MCP](https://www.anchorterminal.com/compare/basecamp-vs-financial-cents-mcp.md)
- [Basecamp vs Linear MCP](https://www.anchorterminal.com/compare/basecamp-vs-linear-mcp.md)
- [ClickUp vs Financial Cents MCP](https://www.anchorterminal.com/compare/clickup-vs-financial-cents-mcp.md)
- [ClickUp vs Linear MCP](https://www.anchorterminal.com/compare/clickup-vs-linear-mcp.md)
- [Financial Cents MCP vs monday.com](https://www.anchorterminal.com/compare/financial-cents-mcp-vs-monday.md)
- [Financial Cents MCP vs OpenProject](https://www.anchorterminal.com/compare/financial-cents-mcp-vs-openproject.md)
- [Financial Cents MCP vs Plane](https://www.anchorterminal.com/compare/financial-cents-mcp-vs-plane.md)
- [Financial Cents MCP vs Redmine](https://www.anchorterminal.com/compare/financial-cents-mcp-vs-redmine.md)
- [Financial Cents MCP vs Roma](https://www.anchorterminal.com/compare/financial-cents-mcp-vs-roma.md)
- [Financial Cents MCP vs Shortcut](https://www.anchorterminal.com/compare/financial-cents-mcp-vs-shortcut.md)
- [Financial Cents MCP vs Taiga](https://www.anchorterminal.com/compare/financial-cents-mcp-vs-taiga.md)
- [Financial Cents MCP vs Teamwork.com](https://www.anchorterminal.com/compare/financial-cents-mcp-vs-teamwork.md)
- [Financial Cents MCP vs Todoist](https://www.anchorterminal.com/compare/financial-cents-mcp-vs-todoist.md)
- [Financial Cents MCP vs Trello](https://www.anchorterminal.com/compare/financial-cents-mcp-vs-trello.md)
- [Financial Cents MCP vs Wrike](https://www.anchorterminal.com/compare/financial-cents-mcp-vs-wrike.md)
- [Financial Cents MCP vs YouTrack](https://www.anchorterminal.com/compare/financial-cents-mcp-vs-youtrack.md)
- [Linear MCP vs monday.com](https://www.anchorterminal.com/compare/linear-mcp-vs-monday.md)
- [Linear MCP vs OpenProject](https://www.anchorterminal.com/compare/linear-mcp-vs-openproject.md)
- [Linear MCP vs Plane](https://www.anchorterminal.com/compare/linear-mcp-vs-plane.md)
- [Linear MCP vs Redmine](https://www.anchorterminal.com/compare/linear-mcp-vs-redmine.md)
- [Linear MCP vs Roma](https://www.anchorterminal.com/compare/linear-mcp-vs-roma.md)
- [Linear MCP vs Shortcut](https://www.anchorterminal.com/compare/linear-mcp-vs-shortcut.md)
- [Linear MCP vs Taiga](https://www.anchorterminal.com/compare/linear-mcp-vs-taiga.md)
- [Linear MCP vs Teamwork.com](https://www.anchorterminal.com/compare/linear-mcp-vs-teamwork.md)
- [Linear MCP vs Todoist](https://www.anchorterminal.com/compare/linear-mcp-vs-todoist.md)
- [Linear MCP vs Trello](https://www.anchorterminal.com/compare/linear-mcp-vs-trello.md)
- [Linear MCP vs Wrike](https://www.anchorterminal.com/compare/linear-mcp-vs-wrike.md)
- [Linear MCP vs YouTrack](https://www.anchorterminal.com/compare/linear-mcp-vs-youtrack.md)
- [Atlassian Rovo MCP Server vs Linear MCP](https://www.anchorterminal.com/compare/atlassian-rovo-mcp-vs-linear-mcp.md)

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