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Actual Budget keeps your personal finances on your own machine. This opens those records to an assistant so you can ask where the money went instead of building reports. You can pull transactions by date, category, or payee, see spending broken down, compare months, and watch a balance move over time. It runs against your own local budget, so nothing goes to a third party. Works with Claude Desktop and similar assistants via a small config entry.

Data
Spreadsheets

Use This MCP server To

See where most of my money went last month Compare this month's spending to last Find every transaction with one shop Check how a balance changed over the year Get a plain summary of income and expenses Spot a category where spending crept up

README

Actual Budget MCP Server

MCP server for integrating Actual Budget with Claude and other LLM assistants.

Overview

The Actual Budget MCP Server allows you to interact with your personal financial data from Actual Budget using natural language through LLMs. It exposes your accounts, transactions, and financial metrics through the Model Context Protocol (MCP).

Features

Resources

  • Account Listings - Browse all your accounts with their balances
  • Account Details - View detailed information about specific accounts
  • Transaction History - Access transaction data with complete details

Tools

  • get-transactions - Retrieve and filter transactions by account, date, amount, category, or payee
  • spending-by-category - Generate spending breakdowns categorized by type
  • monthly-summary - Get monthly income, expenses, and savings metrics
  • balance-history - View account balance changes over time

Prompts

  • financial-insights - Generate insights and recommendations based on your financial data
  • budget-review - Analyze your budget compliance and suggest adjustments

Installation

actual-mcp FAQ

Can I use this to see where my money went?
Yes — you can ask for a breakdown by category or payee and get it back in plain language.
Does my financial data leave my computer?
No, it reads the Actual Budget you already run locally, so the data stays where it is.
Do I need an account or key?
No separate account is needed, but you must have Actual Budget installed and set up first.
Which apps does it work with?
It is documented for Claude.ai and Claude Desktop, and works with other assistants that support this connection.
How hard is it to set up?
You paste a small config entry into your assistant's settings, so no coding is involved.
Can I use this to compare months?
Yes — monthly summaries and balance history are both available, so month-to-month comparisons are straightforward.