Connect your finances to AI
Use MCP to give your AI assistant live access to your bank transactions, balances, and spending data.
Claude
ChatGPTChatGPT by OpenAI supports the Model Context Protocol (MCP), which lets it connect directly to your bank accounts through OpenBudget . Here's how to set it up in under 5 minutes.
How to connect
Connect your bank accounts
Sign up for OpenBudget and securely link your bank accounts, credit cards, and brokerages through Plaid. This takes about 2 minutes.
Connect banksCopy your MCP server URL
This is your personal MCP server URL. Copy it — you'll paste it into ChatGPT in the next step.
https://openbudget.sh
/mcpAdd the server to ChatGPT
Choose your platform, then follow the steps to paste your MCP server URL into ChatGPT.
Open Settings on chatgpt.com
Go to chatgpt.com and click your profile icon in the top-right. Select "Settings" from the dropdown.
Navigate to Connected Apps
In Settings, find "Connected Apps" or "Integrations". This is where you manage external data connections.
Add your MCP server URL
Click "Add Connection", select MCP Server as the type, and paste your URL. ChatGPT will verify the connection.
Authorize ChatGPT to access your data
The first time you ask ChatGPT about your finances, it will request permission to connect to OpenBudget . Review and approve to grant read-only access to your transaction data.
ChatGPT requests permission
When you first ask ChatGPT about your finances, it will show a permission request to connect to the OpenBudget MCP server. Click "Allow" to proceed.
Sign in to authorize
You'll be redirected to OpenBudget to confirm authorization. Sign in with the same account you used to connect your banks, then click Authorize.
Authorization complete
Once authorized, you'll be redirected back to ChatGPT. The connection is now active — ChatGPT can access your financial data for this and all future conversations.
Start asking about your finances
You're all set. Copy any prompt below and paste it into ChatGPT, or start a blank conversation.
Try these prompts
Works with ChatGPT Plus and Team
The OpenBudget MCP server works with ChatGPT Plus, Team, and Enterprise plans that have MCP support enabled. Your data is accessed in real-time — ChatGPT always sees your latest transactions and balances.
Privacy and security
Your bank credentials are never shared with ChatGPT. OpenBudget uses Plaid to securely connect to your financial institutions, and the MCP server only exposes read-only transaction and balance data to ChatGPT when you explicitly ask.
What you can ask
Real examples of what ChatGPT can do with your financial data.
"I just got back from Tokyo — how much did the whole trip cost?"
Here's everything from your Tokyo trip (Feb 20–27):
| Date | Description | Amount |
|---|---|---|
| Feb 20 | United Airlines — SFO → NRT | $1,124.00 |
| Feb 20 | Shinjuku Granbell Hotel (7 nights) | $1,680.00 |
| Feb 21 | Suica card top-up | $45.00 |
| Feb 22 | TeamLab Borderless tickets | $32.00 |
| Feb 23 | Tsukiji Outer Market | $28.50 |
| Feb 24 | Shinkansen to Kyoto (round trip) | $248.00 |
| Feb 25 | Don Quijote — souvenirs | $86.00 |
| Feb 27 | United Airlines — NRT → SFO | $1,087.00 |
Total trip cost: $4,330.50
"I'm a real estate agent — how much have I spent on gas and client lunches this quarter?"
Here are your Q1 work-related expenses in those categories:
Gas & Fuel
38 transactions — Shell, Chevron, Costco Gas
Client meals
22 transactions — steakhouses, coffee meetings, closing dinners
Parking
12 transactions at showing locations
Q1 total: $2,117.70 — all potentially deductible. Want me to export this to Excel?
"Compare my spending this month vs. last month — where am I overspending?"
Here's your month-over-month comparison. Categories with significant increases:
Dining and rideshare are your biggest increases. The entertainment spike is mostly a concert ticket ($150).