# OpenBudget

> OpenBudget connects your real bank accounts to AI assistants and spreadsheets. Link 10,000+ US institutions once through Plaid, then ask Claude, ChatGPT, or any MCP client anything about your money — and auto-sync every transaction to Google Sheets or Excel.

Key facts:

- Pricing: one plan, everything included — $60/year ($5/month billed annually) or $9.95 month-to-month. Starts with a 7-day free trial (a card is required up front; cancel before the trial ends and you are not charged). Cancel any time. See https://www.openbudget.sh/pricing
- Bank connections are read-only and powered by Plaid (the same infrastructure behind Venmo and Robinhood). OpenBudget never stores bank credentials and cannot move money.
- US banking institutions only.
- Remote MCP server (Streamable HTTP + OAuth): https://api.openbudget.sh/mcp
- MCP tools (see https://www.openbudget.sh/tools): search_transactions, list_accounts, search_budgets, get_budget, upsert_budget, update_transaction, create_transaction, delete_transaction, upsert_manual_account, save/list/delete_categorization_rule, get_liabilities, get_liability_history, update_liability, list_available_categories, plus investment tools on Investor.
- Spreadsheet sync: transactions land in Google Sheets or Excel automatically — no CSV exports, no copy-paste.

## Connect an AI assistant

- [Claude (claude.ai and Claude Desktop)](https://www.openbudget.sh/connect-ai/claude): add OpenBudget as a custom connector over MCP
- [Hermes Agent](https://www.openbudget.sh/connect-ai/hermes): add the remote MCP server and install the hosted OpenBudget finance skill
- [OpenClaw](https://www.openbudget.sh/connect-ai/openclaw): save OpenBudget as a managed remote MCP server and authorize with OAuth
- [ChatGPT](https://www.openbudget.sh/connect-ai/chatgpt): connect OpenBudget to ChatGPT
- [Claude Code](https://www.openbudget.sh/connect-ai/claude-code): add the MCP server to the Claude Code CLI
- [Cursor](https://www.openbudget.sh/connect-ai/cursor): one-click MCP install for Cursor
- [Codex](https://www.openbudget.sh/connect-ai/codex): connect OpenBudget to Codex
- [Other MCP clients](https://www.openbudget.sh/connect-ai/other): generic Streamable HTTP setup
- [Scheduled check-ins](https://www.openbudget.sh/connect-ai/automations): prompts for ChatGPT scheduled tasks and Claude Cowork scheduled tasks using OpenBudget

## Connect a spreadsheet

- [Google Sheets](https://www.openbudget.sh/connect-spreadsheets/google-sheets): auto-sync transactions into the sheet you already use
- [Excel](https://www.openbudget.sh/connect-spreadsheets/excel): the same live sync for Excel workbooks

## Learn more

- [Tools](https://www.openbudget.sh/tools): every tool your AI can use for search, budgets, splits, rules, cash, gift cards, investments, and liabilities
- [Pricing](https://www.openbudget.sh/pricing): $5/month billed annually, or $9.95 monthly, with a 7-day free trial
- [Guides](https://www.openbudget.sh/guides): step-by-step product guides
- [Blog](https://www.openbudget.sh/blog): AI + personal finance — what MCP is, what to ask, real examples
- [Security](https://www.openbudget.sh/security): how bank connections and data access work
- [Privacy](https://www.openbudget.sh/privacy): privacy policy, including the AI/MCP data section