OpenBudget MCP Server

sh.openbudget由 openbudget.sh 發布官方發布者v1.3.0更新於 Nov 3, 2026

向你的AI詢問銀行帳戶、支出、預算、債務、持倉和投資活動。

AI 翻譯由 AI 模型根據下方的原文描述翻譯，可能有誤。

原文描述

Ask your AI about bank accounts, spending, budgets, debts, holdings, and investment activity.

已驗證Streamable HTTP可網頁執行金融資料與分析

概覽

OpenBudget 的託管 MCP 服務（api.openbudget.sh），由 openbudget.sh 發布；需要 OAuth 登入；Streamable HTTP。

暫無 AI 概覽：以下資訊來自註冊中心條目和服務本身。

發布者
openbudget.sh
端點
api.openbudget.sh
最近檢查

安裝

在 SourceWeft 中

  1. 開啟 儀表板中的 OpenBudget MCP Server，將其新增到工作區。
  2. 連接 所需的 憑證。它們會被私密儲存，絕不會在公開頁面上展示。
  3. 為需要使用其工具的對話啟用該服務。

Web executable，透過 Streamable HTTP。 遠端服務在工作區中設定後即可從網頁執行環境執行。

交給代理程式安裝

把這段提示詞貼上到 Claude Code、Codex、Cursor 等代理程式，或 SourceWeft 對話中。代理程式會讀取該伺服器的安裝指南，先向你展示發布者、端點和登入方式，經你同意後再把它新增到你的客戶端。金鑰不會寫進任何命令。

閱讀 https://sourceweft.com/mcp/sh.openbudget%2Fmcp/install.md，並按其中說明把這個 MCP 伺服器接入我的客戶端。修改任何設定之前，先告訴我它的發布者、端點和登入方式，等我確認。不要把 API 金鑰寫進命令或我會提交的檔案；問我金鑰應從哪裡取得。

檢視代理程式所依據的安裝指南

其他 MCP 客戶端

把它新增到你客戶端的 mcpServers 設定中。 客戶端會在首次連接時完成 OAuth 登入。

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

README

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

bash
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):

json
{  "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

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

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

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 exposes 26 tools, documented at openbudget.sh/tools. Ask in your own words and your client picks the right one. New connections receive read access by default; approve editing access (openbudget:write) to use mutation tools.

Base tools

ToolWhat it does
list_accountsEvery linked account with balances, institution, and a normalized net-worth view.
search_transactionsSearch and filter transactions by text, category, account, date range, or amount, with settlement links and merchant location details when Plaid supplies them.
get_liabilitiesCredit cards, student loans, and mortgages: APRs, due dates, minimum payments, payoff data.
get_liability_historyHow those liabilities changed over time, including APR moves, balance trends, and YTD interest.
list_available_categoriesThe full transaction category taxonomy.
list_categorization_rulesYour auto-categorization rules, in evaluation order.
search_budgetsReturn matching budget summaries with bounded pagination, including current progress for fixed or recurring periods.
get_budgetGet one budget by ID with its current period, history, rollover, comparisons, buckets, and optional audit events.
update_transaction(write) Recategorize a transaction, add a note, split it, hide it from searches, or include/exclude a transaction or split from budgets.
create_transaction(write) Log an off-bank purchase made with physical cash, a gift card, or store credit.
delete_transaction(write) Remove a manually-created transaction (bank transactions are hidden with update_transaction instead).
upsert_manual_account(write) Create or update a manual off-bank account such as a cash wallet or gift-card balance.
delete_manual_account(write) Delete an owned manual account with a zero or untracked balance and no transactions, holdings, or investment activity. Connected bank accounts are protected.
upsert_budget(write) Create, edit, or archive fixed and recurring budgets with category buckets and rollover policies. Archived budgets remain available in history; create a new budget when planning resumes.
save_categorization_rule(write) Create a rule once, such as "payments to our nanny are childcare," and optionally attribute future matches to a budget.
delete_categorization_rule(write) Remove a rule.
update_liability(write) Note or manual balance override on a credit card or loan.

Investor tools

Investor includes every Base tool and adds the tools below.

ToolWhat it does
search_investment_holdingsFilter connected and custom positions by account, ticker, name, category, source, or closed status, then sort by value, quantity, name, or ticker. Returns the position data your AI needs to calculate allocation, gains, and concentration.
search_investment_transactionsSearch buys, sells, dividends, interest, contributions, withdrawals, fees, taxes, property activity, and adjustments.
list_available_investment_categoriesReturn the separate category taxonomies for holdings and investment activity.
update_investment_holding(write) Categorize a holding, change its display fields, or manage its notes. Custom holdings also support value, quantity, price, cost basis, ticker, currency, and status changes.
update_investment_transaction(write) Categorize investment activity, add a note, or ignore it. Custom activity also supports amount, date, quantity, price, fees, ticker, and currency changes.
create_investment_holding(write) Add real estate, private-company interests, collectibles, offline positions, or other custom assets.
delete_investment_holding(write) Delete a custom holding. Connected holdings remain synced from the institution.
create_investment_transaction(write) Add property purchases, distributions, private contributions, fees, valuation adjustments, and other custom investment activity.
delete_investment_transaction(write) Delete custom investment activity. Connected activity can be ignored instead.

Transaction results can include pendingTransactionId, which links a posted transaction to its earlier pending record, and a structured location with address, city, region, postal code, store number, latitude, and longitude. These fields make receipt reconciliation reliable when a tip or pre-authorization changes the settled amount.

Example prompts

  • "How much did I spend on restaurants last month, and how does it compare to the month before?"
  • "What did the Denver trip in March cost me all-in: flights, hotel, food, and rideshares?"
  • "Find every subscription I'm paying for and total them per month."
  • "What's my net worth across all accounts right now?"
  • "What's the APR on each of my credit cards, and when are the next payments due?"
  • "Categorize Venmo payments to Elena as childcare and make that a rule."
  • "Create a $1,500 monthly household budget that rolls unused money into the next month."
  • "Create a Miami trip budget and include the flights and hotel I already booked."
  • "Show every active budget, then tell me where I am over budget this month."
  • "I paid the babysitter $60 in cash tonight; log it as childcare."
  • "Track my $200 Amazon gift card and record the $45 I just spent from it."
  • "Delete my empty manual account named Old wallet."
  • "What's my net worth across bank accounts, cards, loans, brokerage and retirement accounts, and property?"
  • "Over the last three months, how much did I spend, save, and invest, and what changed month to month?"
  • "Add my rental property and record this month's distribution."

More in examples/prompts.md.

Read-only financial connections

Bank, brokerage, and retirement connections go through Plaid with read-only data access. OpenBudget never sees or stores your financial-institution credentials. Your AI assistant cannot move money, initiate transfers, place trades, or modify anything at your institution. Every write stays inside your OpenBudget account: transaction and investment categories, notes, ignored flags, splits, rules, liability overrides, manual accounts, custom holdings, and custom activity. Every tool declares MCP annotations (readOnlyHint, destructiveHint) so clients can show what each call can do.

Privacy & terms

OAuth grants your AI client access to your own financial data in OpenBudget. See the Terms of Service, Privacy Policy, and Security pages.

License

The configuration snippets and documentation in this repository are MIT-licensed.

The OpenBudget MCP service is hosted and governed by its Terms of Service. The MIT license covers the configuration snippets and documentation in this repository. This repository does not contain the server's source code.

Links

來源：README.md，提交 7043149

工具

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版本歷史

2
  1. v1.3.0最新Nov 3, 2026
  2. v1.2.1Sep 16, 2026

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