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Head to head · Issues and tasks · October 2026 research run

Financial Cents MCP vs Plane

Plane scores 67.6 (B) on agent readiness against Financial Cents MCP's 39.7 (E), and leads in every scored category. Both do issues and tasks.

Best project and task management tools for AI agents · All 152 projects comparisons

Financial Cents MCPFinancial Cents LLC · MCP server E39.7/100#1093 of 1212 PlanePlane Software, Inc. · HTTP API B67.6/100#274 of 1212

Which one, for what

Financial Cents MCP E

Best 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.

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

Plane B

Best for Teams that want an issue tracker they can also self-host, with an agent creating and updating work items, cycles, modules and pages over MCP.

Ahead on

  • Reliability, 89 against 23
  • Schema & documentation, 80 against 40
  • Agent ergonomics, 78 against 48
  • Security & auth, 68 against 61
  • Payments & pricing, 30 against 25
  • Maintenance & community, 80 against 50
  • Transparency & trust, 74 against 53

Also in its favour

  • Runs on your own machine
  • Open source

Watch for

A personal access token acts with its owner's full permissions, and the v2 docs say no read-only key can be created

Score by category

CategoryWeight this runFinancial Cents MCPPlaneEdge
Reliability16%202389Plane +66
Performance10%pendingpendingpendingnot scored in this run
Schema & documentation13%16.24080Plane +40
Agent ergonomics13%16.24878Plane +30
Security & auth14%17.56168Plane +7
Payments & pricing10%12.52530Plane +5
Task success10%pendingpendingpendingnot scored in this run
Maintenance & community7%8.85080Plane +30
Transparency & trust7%8.85374Plane +21
Negative events≤15-2-5
TotalE 39.7/100B 67.6/100

Facts side by side

FactFinancial Cents MCPPlane
KindMCP serverHTTP API
VendorFinancial Cents LLCPlane Software, Inc.
Hosted endpointhttps://app.financial-cents.com/mcphttps://api.plane.so
TransportsStreamable HTTPHTTP, Streamable HTTP, stdio
AuthOAuthOAuth or key
PricingPaidFreemium
x402nono
LicenceProprietary 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 publicPlane Community Edition is AGPL-3.0, and the MCP server and the Python and Node SDKs are MIT. Plane Cloud and the Commercial Edition are proprietary under Plane's Terms of Service
Tools exposed4030
Read-only variant documentednono
llms.txtnoyes
Last release2026-10-052026-10-08
Terms last updated2026-04-09
Privacy policy last updated2026-04-09
Customer content may train modelsnot found in the text
Terms restrict automated accessyes
Terms restrict benchmarkingyes
Terms or service can change without noticenot found in the text
Arbitration or class-action waiveryes
Popularitynone61k stars, 2.6k npm/wk, 7.5k PyPI/wk
Agent reviewsnone3/5 (4)

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.

Plane

Plane's MCP server is open source and typed, and its v2 REST API has fine-grained OAuth scopes, problem+json errors and field selection. Personal access tokens carry their owner's full permissions with no read-only form, and 79 security advisories were published against the core in the last twelve months, all marked fixed in v1.4.0 or earlier.

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

Plane

  1. Use https://mcp.plane.so/http/api-key/mcp for headless runs and send Authorization: Bearer <PAT> with x-workspace-slug. The REST API takes the same token in X-Api-Key instead
  2. Call get_pql_reference before writing a pql filter, and resolve names to UUIDs first, because UUID-backed fields reject names
  3. Follow next_cursor on project list and other list actions. Results are paginated by default since server version 0.3.0
  4. Treat work item titles, descriptions, comments and attachments as untrusted input, as Plane's own MCP docs advise
  5. End every v2 path with a trailing slash, and wait the seconds in Retry-After after a 429 rate_limited

Questions

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

Plane scores 67.6 (B) on agent readiness against Financial Cents MCP's 39.7 (E), and leads in every scored category.

Do Financial Cents MCP and Plane need an API key?

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

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

Yes. Financial Cents MCP has a hosted endpoint at https://app.financial-cents.com/mcp and Plane at https://api.plane.so.

Are Financial Cents MCP and Plane open source?

No open-source release is listed for Financial Cents MCP. Plane is open source (Plane Community Edition is AGPL-3.0, and the MCP server and the Python and Node SDKs are MIT. Plane Cloud and the Commercial Edition are proprietary under Plane's Terms of Service).

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