OpenBudget MCP Server

OpenBudget MCP Server

Your bank accounts, spending, debts, and investments are available to your AI assistant.

OpenBudget is a hosted Model Context Protocol (MCP) server that gives Claude, ChatGPT, Cursor, Codex, and other MCP clients access to your financial data. That includes transactions, balances, net worth, credit cards, loans, mortgages, investment holdings, and investment activity synced from US institutions through Plaid. You can also add physical cash, gift-card balances, real estate, private-company interests, and other assets you track yourself.

You don't run anything. The server is hosted on OpenBudget's infrastructure. You add one URL to your client, sign in once, and start asking.

https://api.openbudget.sh/mcp

• Transport: Streamable HTTP (remote MCP server)
• Auth: OAuth 2.0; sign in with your OpenBudget account
• Plans: Base is $60/year or $9.95 month-to-month. Investor is $99/year or $12.95 month-to-month. Both start with a 7-day free trial.
• Data: your own bank, brokerage, and retirement accounts connected through Plaid, plus assets and activity you add yourself

Plaid connections provide read-only financial data. OpenBudget never stores your financial-institution credentials, and your AI assistant cannot move money or place trades. Every write stays inside your OpenBudget account: categories, notes, rules, manual accounts, custom holdings, and custom activity.

Quick connect

Pick your client below, or see the full step-by-step guides at openbudget.sh/connect-ai.

Claude (claude.ai / Claude Desktop)

1. Customize → Connectors → Add custom connector
2. Name it openbudget.sh, paste https://api.openbudget.sh/mcp
3. Click Connect and sign in with the account you used to link your banks

Full guide: openbudget.sh/connect-ai/claude

Claude Code

claude mcp add --transport http openbudget https://api.openbudget.sh/mcp

Add --scope user to make it available in every project. Then run /mcp inside a session, select openbudget, and choose Authenticate.

Full guide: openbudget.sh/connect-ai/claude-code

ChatGPT (Plus / Team / Enterprise)

1. Settings → Apps → Advanced settings → enable Developer mode
2. Create app, name it OpenBudget, paste the URL, select OAuth
3. Sign in and authorize access

Full guide: openbudget.sh/connect-ai/chatgpt

Cursor

Add to ~/.cursor/mcp.json (global) or .cursor/mcp.json (project):

{
  "mcpServers": {
    "openbudget": {
      "url": "https://api.openbudget.sh/mcp"
    }
  }
}

Then enable the server under Cursor Settings → Tools & MCP → Connect.

Full guide: openbudget.sh/connect-ai/cursor

Codex / Codex CLI

codex mcp add openbudget --url https://api.openbudget.sh/mcp
codex mcp login openbudget

Or add to ~/.codex/config.toml:

[mcp_servers.openbudget]
url = "https://api.openbudget.sh/mcp"

Full guides: codex · codex-cli

Any other MCP client

Add a remote / custom MCP server over the Streamable HTTP transport, pointing at https://api.openbudget.sh/mcp. Most clients also accept the mcpServers JSON shape shown in the Cursor section above. The first call opens your browser to sign in and approve access.

Full guide: openbudget.sh/connect-ai/other

What you can ask

The server ships with 22 tools, each shown with a live demo at openbudget.sh/tools. You rarely call them by name. Ask in natural language and your client picks the right one.

Shortened. The full README is on GitHub.