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Actual Budget MCP server

by henfrydls·io.github.henfrydls/actual-budget-mcp·v0.11.1·10 stars
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Actual Budget, carefully: deletes preview first, and new transactions check for duplicates.

B83/100grade B
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B83/100

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Adoption
Growing

10 stars411 downloads/wk

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If you have run it, two minutes of your experience saves the next person an afternoon.

Actual Budget tools

No tool declarations could be read from the package source. They show once the server is installed.

Not scanned yet. New listings are scanned within a day or two of arriving.

How Actual Budget compares

Against every graded MCP server, from our own scans and uptime checks. Updated after each scan run.

Safety score
83/100
higher than 65% of 48,255 servers
GitHub stars
10
more than 88% of 28,688 servers
Downloads a week
411
more than 85% of 12,191 servers with a package

Release history: 8 versions in the registry since 2026-09-17, latest 2026-11-02, typically one every 8 days.

Install Actual Budget in Claude Code, Cursor or VS Code

Runs npx -y actual-budget-mcp on your machine. Read the scan report first; the gateway never runs local packages.

claude mcp add actual-budget-mcp -- npx -y actual-budget-mcp
Add to Cursor

What the publisher says

From the Actual Budget repository's README, as published. We do not edit it. Read it on GitHub

actual-budget-mcp

Talk to your budget. An MCP server that connects Actual Budget to Claude. Ask where the money went, get real analysis back, and let it write without holding your breath.

Listed in the official Actual Budget community projects.

Features

  • Real analysis, not just lookups - Projections, category trends, budget vs actual, and month summaries
  • Writes you can trust - Every delete previews what it will remove and waits for you to confirm; ACTUALREADONLY=1 hides the write tools from the model entirely (Safety)
  • Multi-currency that survives reality - Splits and residual reconciliation, not just a currency symbol
  • Recovers from an out-of-sync budget - repair_sync rebuilds the local sync state when @actual-app/api and your server disagree, the failure that otherwise leaves every tool erroring
  • Ask about your budget in plain language - "How much did I spend on food this month?" or "Am I over budget on anything?"
  • Create and manage transactions - Add expenses, transfers, and edits without opening the app
  • Manage categories, payees, and rules - Full CRUD without opening the app
  • Use names, not IDs - Say "Cartera" instead of a1b2c3d4-..., with helpful suggestions if ambiguous
  • Natural dates in English and Spanish - "last month", "este mes", "hace 3 meses", "yesterday"
  • Clean formatted output - Aligned tables and clear summaries, not raw JSON
  • Clear error messages - If something's wrong, you'll know exactly what to fix

Does it work with local models?

Yes. This is an MCP server, so it works with any client that speaks MCP, and the model behind that client is the client's business, not this server's. Claude Desktop, Claude Code, Cursor and VS Code are the ones documented below because they are the ones people ask about, but anything that can run an MCP client, including a local setup pointed at Ollama or LM Studio, talks to it the same way.

Your budget data goes to whatever model your client uses. If that matters to you, and for a lot of people running Actual it does, a local model keeps it on your machine.

Prerequisites

The Desktop Extension below still needs Node present, but never compiles anything: it carries a prebuilt SQLite binary for every Node version it supports.

  • Actual Budget server running (local or remote)
  • Node.js 22 or higher (see Node.js requirement).

Quick Start

On Claude Desktop, the shortest path is the extension: no config file to edit and no command to run. Otherwise, copy this into Claude Code or Claude Desktop:

Install the actual-budget-mcp MCP server from npm (https://github.com/henfrydls/actual-budget-mcp).
Configure it with these credentials:
    - My Actual Budget server: http://localhost:5006
    - Password: YOUR_PASSWORD
    - Budget ID: YOUR_BUDGET_ID

Claude will configure everything for you.

Installation

Option 1: Claude Desktop extension (no config files)

Shortened. The full README is on GitHub.

Nothing above is checked by us. What we check is on the safety report.

Grade history

  • 2026-09-19downgradeA → Bscore 83

Actual Budget: common questions

Is Actual Budget MCP server safe?
Mostly: it is graded B (83/100). Read the Actual Budget safety report
How do I install Actual Budget?
It runs on your machine. Copy the Claude Code, Cursor, VS Code or Claude Desktop config from the install section.
Does Actual Budget need an API key?
Yes. The registry entry asks for ACTUAL_PASSWORD, ACTUAL_SESSION_TOKEN, ACTUAL_ENCRYPTION_PASSWORD.
Is Actual Budget maintained?
The last commit was 36 days ago (2026-09-29). The latest release is v0.11.1.
What can I use instead of Actual Budget?
Servers from other publishers that do the same job: MCP for Adobe Premiere Pro MCP server.
How does Actual Budget compare with other MCP servers?
safety score 83/100 (higher than 65% of 48,255 servers); github stars 10 (more than 88% of 28,688 servers); downloads a week 411 (more than 85% of 12,191 servers with a package). Full comparison.

Alternatives to Actual Budget

Same job from other publishers: the closest match first, then the best rated.

  • MCP for Adobe Premiere Pro
    Local-first MCP for supported Adobe Premiere Pro workflows; start with a read-only connection check.
    A