Turn Claude or ChatGPT into your AI budgeting app.
One budget, every screen.
It works in the Claude and ChatGPT apps you already have, on your phone and on your laptop. Connect once, nothing new to install.
Bank-grade security, powered by Plaid.
Connect 10,000+ US institutions through Plaid with read-only access. Your bank credentials are never stored on our servers.
Chase
Bank of America
Wells Fargo
Citi
Chime
Cash AppConnect once. Budget everywhere.
On your phone
The Claude and ChatGPT apps on iPhone and Android. Connect once and your numbers are in your pocket, nothing new to install.
Connect your AIOn your desktop
Claude Desktop, claude.ai, and chatgpt.com. The connection follows your account everywhere you sign in.
View setup guideEven in your tools
Claude Code, Cursor, and Codex use the same connection, so your budget can follow you into the editor.
View setup guidePowerful tools, not just data.
Say it once, it's a rule.
Tell your assistant the right category once. New transactions get it automatically.
Find any charge in plain English.
Ask by merchant, category, amount, or date and get an answer in seconds.
Know exactly what you owe.
Every card and loan in one place, so your assistant can tell you where you stand.
Then just ask.
“How much did I spend on restaurants last month?”
“What recurring subscriptions am I paying for?”
“Compare my grocery spending this month vs. last.”
“What's my net worth across all my accounts?”
“Break down last month's spending by category.”
“Which cards am I carrying a balance on?”
What people are saying.
“I asked which day of the week I spend the most, expecting weekends. It's Thursdays, every single one, from after-work dinners I never thought of as a habit. I'd never have found that pattern on my own.”
“I told it to find recurring charges I'd forgotten about. It surfaced two free trials that had quietly started billing months ago. Cancelling them covered the cost of the app for the whole year.”
“It compared my last six months and pointed out my grocery total hadn't moved, but my delivery fees had almost doubled. Same food, just lazier ordering. One sentence changed how I shop.”
“Instead of guessing, I asked if saving $2,000 in three months was realistic given my actual spending. It said yes, but only if I cut one specific habit, and named it. Like an accountant who'd read every statement.”
“I've kept the same budgeting sheet for years and didn't want to give it up. Now I just ask where the money went, get a plain-English answer, and it lands in my sheet already categorized.”
“My partner and I used to argue from two different mental ledgers. Now we both ask the same question and get the same answer, with the receipts attached. The money fights basically stopped.”
Questions, answered.
- Is it safe to connect my bank accounts to an AI?
- Bank connections are read-only and run through Plaid, the same infrastructure behind Venmo and Robinhood. OpenBudget never stores your bank credentials, and your AI cannot move money or touch anything at your bank.
- What can my AI actually see?
- Your own data only: transactions, balances, net worth, and liability details like APRs and due dates. Access is granted with OAuth when you connect, and you can revoke it at any time.
- Can the AI change anything?
- It can keep things tidy: recategorize transactions, add notes, and save categorization rules. It cannot initiate transfers or payments, and it cannot change anything at your bank.
- Do I need to download an app?
- No. You budget in the AI apps you already have: Claude or ChatGPT on your phone, desktop, or in the browser. Connect your banks once on OpenBudget and every chat can use your numbers.
- How is this different from a regular budgeting app?
- There's no new interface to learn and no manual entry. You ask questions in plain English and get answers from your live transactions, with categorization that keeps itself tidy through rules you set by talking.
- Do I need an OpenBudget subscription?
- Yes. One plan includes everything: $5/month billed annually, or $9.95 month-to-month, with unlimited US bank connections via Plaid.