Looking for an Actual Budget MCP server?
Actual is open source like us, but you host and maintain it, and MCP bridges need wiring. MyFinance MCP is the connect-and-go way: one URL, sign in, done. Self-hosting stays possible.
No, Actual Budget has no hosted MCP server.
Not a hosted one. Actual Budget is excellent open-source software, and community MCP bridges for it exist, but the path is: run an Actual server, configure the bridge, keep both alive. The Model Context Protocol works best when the server is just there. MyFinance MCP is MCP-native and hosted: paste one URL into Claude or ChatGPT and sign in. And because it is MIT-licensed, the self-hosting option never goes away.
The same tracking, just by talking
Plain-language logging
"Spent 24.50 eur on groceries at Lidl" is the whole workflow. Category, currency and date extracted for you.
Receipt photos
Snap a receipt; your AI parses it in the chat and saves the line items. Images never reach the server.
Statement import
Drop a CSV or PDF export: hundreds of rows in one call, duplicates detected, totals reconciled.
Budgets
Monthly caps per category or overall, with live progress. Alerts only when you actually exceed one.
150+ currencies
Log in the currency you paid in, from EUR and USD to RUB, KZT, GEL or TRY (ECB and National Bank of Ukraine rates, plus a daily snapshot for every other ISO currency since March 2024); summaries answer in your base currency with the rate frozen at transaction date.
Open source and yours
MIT-licensed. Transactions as CSV and the full profile as one file, anytime; instant account deletion; self-hosting supported.
How they stack up
Actual Budget
- Self-hosted: the server, updates and backups are on you
- Community MCP bridges need config and their own hosting
- Envelope budgeting you maintain by hand
- Bank sync via third-party bridges you wire up
MyFinance MCP
- Open source AND hosted: connect in a minute
- MCP-native from day one
- Log by talking; budgets are optional caps
- Statement import and receipt photos built in
The open-source kinship is real: Actual is great software and going OSS was the right call for us too. If you enjoy running your own services, self-host MyFinance MCP with the same Dockerfile we deploy from.
Open source without the ops
Actual gives you full control at the cost of being your own sysadmin: a server to patch, a database to back up, a bridge to babysit if you want AI access. MyFinance MCP keeps the freedom (MIT license, full CSV export, instant deletion) and removes the ops: the hosted instance is free while in beta.
Export your transactions from Actual as CSV and drop them into the chat to migrate. If you later want to self-host after all, the repository ships a guide: same code, your Postgres.
Connect in under a minute
Works with any MCP client that supports OAuth 2.0 with PKCE. On first connect you sign in with Google or with a one-time code sent to your email.
- Open Claude and go to Customize, then Connectors
- Click + Add, then Add custom connector
- Name it "MyFinance", paste https://myfinance-mcp.com/mcp as the remote MCP server URL and click Continue
- Choose Sign in now; if the form asks for an OAuth client, keep Use Claude's published identity (Recommended) (Register automatically works too)
- Click Add, then sign in with Google or an email code
On ChatGPT, Cursor or Codex? Follow the install guide for your client. The Claude guide explains each step above.
Switching from something else?
The same question, answered for the other trackers people move from.
Mint →
Shut down in 2024. Your exported CSV imports here in one message.
switching fromYNAB →
No official MCP server. The zero-method alternative, free.
switching fromMonarch Money →
No MCP server. Same tracking, no subscription.
switching fromLunch Money →
Indie and API-first, but no official MCP. This one lives in your AI.
switching fromCopilot Money →
Apple-only, no MCP server. This works wherever your AI does.
switching fromFirefly III →
Powerful self-hosted OSS. This is the zero-setup way.
switching fromPocketGuard →
Freemium walls, no MCP. Everything here is free.
overviewAll alternatives →
Bridges vs standalone servers, and every comparison on one page.
Questions, answered
Does Actual Budget have an MCP server?
No official hosted one. Actual Budget cannot run inside Claude or ChatGPT directly. MyFinance MCP is built as an MCP server, so it connects with one URL and an OAuth sign-in.
I like self-hosting. Can I self-host MyFinance MCP?
Yes. It is MIT-licensed and runs from the included Dockerfile with your own Postgres (Supabase works). The GitHub README has the guide.
Is MyFinance MCP free?
Yes, free while in beta. No ads, no card required. It is open source under MIT, so self-hosting is always an option too.
Does it work with ChatGPT?
Yes, in ChatGPT on the web with Developer mode: logging works on Business, Enterprise and Edu, Pro gets read-only access, and on Free, Go and Plus you can use it through Codex instead. It also works with Claude, Cursor, Windsurf and any MCP client with OAuth.
Is my data private?
Your data is linked to your account and only you can access it: every query is scoped to your account. EU hosting, no amounts or merchants in server logs, sign-in tokens stored only as a one-way hash, and receipt photos never reach the server at all.
Last updated: October 14, 2026.
Mint, YNAB, Monarch Money, Lunch Money, Copilot Money, Actual Budget, Firefly III, PocketGuard and other product names are trademarks of their respective owners. MyFinance MCP is an independent, open-source project and is not affiliated with or endorsed by them. Comparisons reflect publicly available information at the time of writing and may change.