Connect Codex to your bank accounts and give it powerful personal finance tools.
Ask Codex anything about your money.
Spending, subscriptions, budgets, trends: Codex answers from your live transactions and balances, not from a statement you pasted in.
Connect once, ask forever.
Add the server in Codex's MCP settings or drop one block into config.toml, then log in once. The IDE and the CLI share it.
[mcp_servers.openbudget] url = "https://api.openbudget.sh/mcp"
$ codex mcp login openbudget
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 AppPowerful tools, not just data.
Say it once, it's a rule.
Tell Codex 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 Codex 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?”
Set up Codex where you use it.
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 Codex?
- Bank connections run through Plaid, the same infrastructure behind Venmo and Robinhood, and OpenBudget never stores your bank credentials. Access is granted with OAuth when you connect Codex, and you can revoke it at any time.
- What can Codex actually see?
- Your own data only: transactions, balances, net worth, and liability details like APRs and due dates. Codex reads it live, so it always sees the latest.
- What can Codex do with it?
- 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.
- Does it work in both the IDE and the terminal?
- Yes. Codex stores MCP servers in ~/.codex/config.toml, shared by the IDE extension and the CLI. Configure once, use it in both.
- Which Codex versions support remote MCP servers?
- Recent builds support them out of the box. If the server isn't picked up, update Codex; older builds need a feature flag covered in the setup guide.
- 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.