Connect your AI to your money.
Pick your client.
Claude
claude.ai and Claude Desktop. Add a custom connector, sign in once, and ask away.
View setup guideChatGPT
Plus, Team, and Enterprise. Create an app in Developer mode and authorize with OAuth.
View setup guideCursor
One-click install in the editor. Ask about your spending without leaving your code.
View setup guideClaude Code
One command adds the server to your terminal. Budget from the command line.
View setup guideCodex
The OpenAI Codex IDE extension and app, connected through MCP settings.
View setup guideCodex CLI
One command for the Codex terminal agent, then log in and start asking.
View setup guideUsing something else? Any client that supports remote MCP servers over Streamable HTTP works.
One protocol, every assistant.
MCP is the open standard AI clients use to reach outside data. OpenBudget serves your transactions, balances, and debts through it, connected once via Plaid.
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?”
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.
- Which AI apps work with OpenBudget?
- Claude, ChatGPT, Cursor, Claude Code, Codex, and any other client that supports remote MCP servers over the Streamable HTTP transport.
- 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.
- What is MCP?
- The Model Context Protocol, an open standard that lets AI assistants securely use outside tools and data. OpenBudget hosts an MCP server for you, so there is nothing to install or run yourself.