ChatGPT Setup¶

ChatGPT supports remote MCP servers through Developer Mode. Available for Pro, Plus, Team, Enterprise, and Edu plans.

Step 1 — Get a FinPlan API Key¶

FinPlan requires a free account. ChatGPT's app UI doesn't currently run FinPlan's OAuth flow, so you need to generate an API key up front.

1. Go to mcp.finplan.prethink.io/auth/signup and create an account
2. Go to /auth/api-keys and generate a key starting with fp_live_
3. Copy it — you won't be able to see it again

Manual keys last 90 days.

Step 2 — Add the App¶

1. Open chatgpt.com and sign in
2. Go to Settings (gear icon)
3. Navigate to Apps > Advanced > Developer Mode and enable it
4. Go back to Apps and click Add new app
5. Fill in:
6. Name: FinPlan
7. MCP Server URL: https://mcp.finplan.prethink.io/mcp
8. Authentication: select Bearer / custom header and set Authorization: Bearer fp_live_... using the key from Step 1
9. Click Create

Verification¶

1. Start a new chat
2. Click the Apps button in the message composer
3. Select FinPlan from the list
4. Try: Calculate federal income tax for $85,000 filing single in 2025

Things to Know¶

• Developer Mode is a beta feature. Memory is disabled while it's active.
• ChatGPT will ask you to confirm before running any tool that writes or modifies data.
• You need to enable the FinPlan app in each new chat session.

References¶

• OpenAI: Developer Mode and MCP Apps in ChatGPT
• OpenAI: Building MCP servers for ChatGPT

Sometimes agents need to be told to use tools. Making sure it knows about them often helps.

```
user> 'Do you have access to FinPlan tools for financial planning?'
agent> (inspecting) 'Yes, I do'.
```