Budget Tracker by Smart Money

ink.smart-moneyPublished by smart-money.inkOfficial publisherv0.2.3Updated Oct 24, 2026

Personal finance: log expenses in plain language, track accounts, budgets and spending

VerifiedStreamable HTTPWeb executableProductivity & WorkflowFinance

Overview

AI-generated overview

Remote OAuth-secured MCP server that lets an assistant log expenses in plain language and track accounts, budgets, deposits and spending in a personal finance…

What you can do
  • Preview and record transactions: parse plain-language entries or pasted bank notifications, then add, list, update or delete them
  • Report on money: income, expense, savings rate, category breakdown and top merchants for a period
  • Manage accounts and balances: cards, cash, bank accounts, deposits, credit cards and e-wallets, with interest accrual
  • Organize categories, tags and budgets with create, update and delete tools
When to use it
Useful when you want to record spending conversationally and ask questions about your own finances from a chat client, instead of opening a finance app. Suited to people already using or willing to subscribe to the Smart Money budget tracker.
Requirements
A remote endpoint at smart-money.ink/mcp over Streamable HTTP; nothing to install locally. A Smart Money account with an active subscription or 7-day free trial (card required). OAuth 2.1 with PKCE consent on first use; no API key or environment variable.
Before you install
It reads and writes your real financial ledger as you, including creating, updating and deleting transactions, accounts, categories, tags and budgets. It is a paid service: $7.99 per month after a 7-day trial that requires a card. Your financial data is stored with the third-party provider; tokens can be revoked in the app.

Installation

In SourceWeft

  1. Open Budget Tracker by Smart Money in the dashboard and add it to a workspace.
  2. Connect the required credentials. They are stored privately and never shown on public pages.
  3. Enable the server for the chats that should use its tools.

Web executable via Streamable HTTP. Remote servers run from the web runtime once configured in a workspace.

Use with an agent

Paste this prompt into Claude Code, Codex, Cursor or another agent — or into SourceWeft chat. The agent reads this server's install guide, shows you its publisher, endpoint and sign-in, and adds it to your client once you agree. Keys never go into a command.

Read https://sourceweft.com/mcp/ink.smart-money%2Fsmart-money/install.md and connect the MCP server it describes to my client. Before changing any config, show me its publisher, endpoint and sign-in method and wait for my OK. Never put an API key in a command or in a file I would commit; ask me where it should come from.

Read the install guide the agent follows

Other MCP clients

Add this to your client's mcpServers config. The client completes OAuth sign-in on first connect.

{
  "mcpServers": {
    "budget-tracker-by-smart-money": {
      "type": "http",
      "url": "https://smart-money.ink/mcp"
    }
  }
}

README

en • ru

Budget Tracker by Smart Money MCP

Model Context Protocol server for personal finance — log expenses in plain language, track accounts, deposits, budgets and spending, secured by OAuth.

Budget Tracker by Smart Money MCP puts your money ledger inside your AI assistant. Connect Claude, ChatGPT, Cursor, VS Code, or a CLI client to Budget Tracker by Smart Money, then say "log 4500 on a taxi yesterday from Kaspi" or ask "how much did I spend on food this month?" — the assistant writes to the same ledger the app reads.

  • Server URL: https://smart-money.ink/mcp
  • Transport: Streamable HTTP
  • Auth: OAuth 2.1 with PKCE
  • Landing & setup: smart-money.ink/claude

Install

Budget Tracker by Smart Money MCP is a remote, OAuth-secured server. There is nothing to install locally. Add this to your MCP client config:

json
{  "mcpServers": {    "smart-money": {      "type": "http",      "url": "https://smart-money.ink/mcp"    }  }}

One-click install:

[Add to Cursor] [Add to VS Code] [Add to Claude] [Add to ChatGPT]

CLI clients (Claude Code, Gemini CLI, Codex CLI) and manual snippets: see Supported clients.

Quick start

  1. Create a Budget Tracker by Smart Money account at smart-money.ink and start the free trial (see Plans & access).
  2. Open smart-money.ink/claude and follow the setup path for your client.
  3. Use the one-click install, the CLI command, or the manual JSON snippet above.
  4. Authorize with OAuth when your client opens the consent screen.
  5. Talk to your assistant about money in plain language.

What you can do from chat

  • 💬 Plain-language entry — taxi 4500 yesterday kaspi #trip is parsed into an amount, date, account, currency, tags and category. Amounts like 12k or 1.2m, dates like yesterday or 3 days ago, and account names in any script all resolve.
  • 📊 Spending answers — income, expense, savings rate, category breakdown and top merchants for any period.
  • 🏦 Accounts & balances — cards, cash, bank accounts, deposits, credit cards (counted as liabilities), investments and e-wallets. Multi-currency, with rates on the date and totals in your base currency.
  • 💰 Deposits with interest — rate in basis points, accrual frequency, compounding or payout to another account. Interest is computed daily on the real balance, and every accrual carries an idempotency key, so nothing is posted twice.
  • 🎯 Budgets — weekly, monthly or yearly limits with spent, remaining, and an end-of-period forecast.
  • 📥 Bank notifications — paste push-notification text and it becomes transactions; re-importing the same notification does not duplicate it.
  • 🏷️ Categories & tags — flat categories chosen in one step, tags orthogonal to them. An unknown #tag is created on the fly; a deleted one is restored instead of duplicated.

Tool surface

27 tools. Reading and writing are separate tools — no confirm or dryRun flags — and each one carries a title plus readOnlyHint / destructiveHint annotations, so your client knows which calls deserve a confirmation prompt.

CategoryTools
👀 Previews (read-only)preview_entry, preview_notifications, preview_interest — show the parse before anything is written
💸 Transactionsquick_add, add_transaction, list_transactions, update_transaction, delete_transaction, import_notifications
📊 Reportingsummary — income, expense, savings rate, categories, top merchants for a period
🏦 Accountslist_accounts, create_account, update_account, delete_account, accrue_interest
🗂️ Categorieslist_categories, create_category, update_category, delete_category
🏷️ Tagslist_tags, create_tag, update_tag, delete_tag
🎯 Budgetslist_budgets, create_budget, update_budget, delete_budget

Deletion is soft: a transaction gets a deletedAt and drops out of balances and reports on every device, while its import key stays — so re-importing the same bank notification will not bring it back. An account or category still referenced by transactions cannot be deleted; the connector offers to archive it instead, so history never points at nothing.

For the exact, up-to-date set, run tools/list against https://smart-money.ink/mcp.

Plans & access

Budget Tracker by Smart Money is a paid service with a free trial. The connector reads and writes your real ledger, so it needs an active subscription or trial — there is no anonymous tier.

Free trialSubscription
Price$0 for 7 days, card required$7.99 / month
Web app, sync, every connector tool✅✅

Nothing is charged during the trial, and cancelling during it charges nothing. Cancel any time in Settings → Subscription. When a subscription lapses the app locks, but records are not deleted: they stay in your browser and can still be exported. Current terms: smart-money.ink/terms.

Call a tool without an active subscription and the tool result says so, pointing you at the app's settings.

Supported clients

  • Claude (web & desktop) — Settings → Connectors → Add custom connector
  • ChatGPT — Settings → Connectors → custom MCP connector with OAuth
  • Cursor — one-click install via deeplink, or ~/.cursor/mcp.json
  • VS Code — one-click install via deeplink, or .vscode/mcp.json
  • Claude Code (CLI) — claude mcp add --transport http smart-money https://smart-money.ink/mcp
  • Gemini CLI — gemini mcp add --transport http smart-money https://smart-money.ink/mcp
  • Codex CLI — codex mcp add smart-money --url https://smart-money.ink/mcp
  • Generic HTTP MCP client — point it at the URL and let it complete OAuth discovery

Full per-client instructions: docs/setup.md.

Cursor plugin

This repository is also a Cursor plugin. It contributes one MCP server (smart-money) and no rules, skills, agents, or hooks.

.cursor-plugin/plugin.json   ← plugin manifestmcp.json                     ← the MCP server it contributesassets/logo.svg              ← plugin logo

There is nothing to configure. No API key or environment variable is required: the server advertises OAuth 2.1 metadata, the client registers itself dynamically, and the consent screen opens on first use.

Example prompts

Log as you go

"taxi 4500 yesterday kaspi #trip"

→ One transaction, parsed and saved: amount, date, account, tag. The preview tool can show the parse first.

Ask where the money went

"How much did I spend on food this month, and how does that compare to my budget?"

→ A category breakdown plus the budget's spent, remaining, and end-of-month forecast.

Deposits

"Post the interest due on my deposits."

→ Interest accrued daily on the actual balance, idempotent: running it twice posts nothing extra.

Bank notifications

(paste a batch of bank push notifications) "Turn these into transactions."

→ Parsed into transactions, with already-imported ones skipped.

More: docs/examples.md.

Authorization & data

Auth is OAuth 2.1 with PKCE. Your assistant gets a token tied to your Budget Tracker by Smart Money account, and the connector reads and writes as you — row-level security and the subscription check apply exactly as they do in the web app. Discovery follows RFC 9728: an unauthenticated call to /mcp returns 401 pointing at https://smart-money.ink/.well-known/oauth-protected-resource/mcp, and the authorization server is found from there.

Tokens can be revoked at any time from the Budget Tracker by Smart Money app. OAuth flow details: docs/oauth.md. Data handling: smart-money.ink/privacy.

Troubleshooting

Common connection, OAuth, and tool-call errors: docs/troubleshooting.md.

Where this server is listed

Registry and directory listings, and how publishing works: docs/registries.md.

Project links

License

MIT — see LICENSE.

Built by @ultraza4. Budget Tracker by Smart Money is a hosted personal-finance service; this repo is documentation and manifests for its public MCP server. Server source is not open.

Source: README.md at commit c384600

Tools

0
This server asks you to sign in, so SourceWeft could not read its tools without an account and has not indexed them. What a connected account sees can depend on that account and its permissions.

Version history

2
  1. v0.2.3LatestOct 23, 2026
  2. v0.2.1Sep 22, 2026

Score

85% of the applicable checks met

How complete this listing is, computed from the registry entry, the endpoint and public sources. Not a rating of the server and not a statement that it is safe or working today: reachability is a dated check, and no installs or reviews go into the score.

  • Reached in the last 30 daysRequired25 pts
  • Auth declaredRequired10 pts
  • Tools listed15 pts

    Answer tools/list without a credential, or ship a package that starts in a sandbox without one.

  • DescriptionRequired15 pts
  • Logo10 pts
  • Documentation15 pts
  • License10 pts

Other Smart-Money integrations

Smart Money Data (SEC, 13F, Congress, Insider Trades)

Published by GitHub account wyeming95-rgb

Hosted Apify MCP server that gives an assistant SEC filings, 13F holdings, insider, Congress and short-interest data for stock research.

Streamable HTTPWeb executableAuth
FinanceCredential requiredOct 30, 2026