Actual Budget MCP Server

Let Claude manage your budget! This is a Model Context Protocol (MCP) server that allows AI assistants to interact with your Actual Budget.

Features

Manage your budget through natural language conversations with Claude:

• 📝 Add Transactions - "Add a transaction: $350 at Whole Foods for groceries"

• 💰 Check Balances - "What's my checking account balance?"

• 🔄 Transfer Money - "Transfer $500 from checking to savings"

• 📊 Budget Tracking - "How much have I spent on dining this month?"

• 🔍 Search Transactions - "Show me all Costco purchases last month"

• 📈 Spending Analysis - "Analyze my spending breakdown for this month"

• 📥 Batch Import - Import multiple transactions from CSV or structured data

Supported Tools

Quick Start

Prerequisites

• Running Actual Budget server

• Password authentication (OpenID users need to enable password login)

• Docker (for deployment)

1. Get Budget Sync ID

In Actual Budget:

1. Go to Settings

2. Click Show advanced settings

3. Copy the Sync ID

2. Configure Environment Variables

cp .env.example .env

Edit .env:

ACTUAL_SERVER_URL=http://your-actual-server:5006
ACTUAL_PASSWORD=your-password
ACTUAL_BUDGET_ID=xxxxxxxx-xxxx-xxxx-xxxx-xxxxxxxxxxxx

# If you have end-to-end encryption enabled
# ACTUAL_ENCRYPTION_PASSWORD=your-encryption-password

3. Deploy with Docker

# Build image
docker build -t actual-budget-mcp .

# Run
docker run -d \
  --name actual-budget-mcp \
  -p 3000:3000 \
  --env-file .env \
  actual-budget-mcp

Or use Docker Compose:

docker-compose up -d

4. Connect to Claude

Configure the Connector in claude.ai:

1. Go to Settings → Connectors

2. Click Add Connector

3. Select MCP

4. Enter URL: http://your-server:3000/mcp

TrueNAS Scale Deployment

Using Custom App

1. In TrueNAS Scale, go to Apps → Discover Apps → Custom App

2. Configure as follows:

   Application Name: actual-budget-mcp

   Image Repository: Your Docker registry or local build

   Container Images:

   • Image: actual-budget-mcp:latest

   Container Environment Variables:

   ACTUAL_SERVER_URL=http://actual-budget:5006
   ACTUAL_PASSWORD=your-password
   ACTUAL_BUDGET_ID=your-sync-id

   Networking:

   • Port: 3000 → 3000 (TCP)

   Storage:

   • Host Path: /mnt/your-pool/actual-mcp-cache

   • Mount Path: /data/actual-cache

3. If Actual Budget is also on TrueNAS, ensure they're on the same network.

Integration with Existing Actual Budget

If your Actual Budget is already deployed on TrueNAS:

# Configure network in docker-compose.yml
services:
  actual-budget-mcp:
    # ...
    environment:
      - ACTUAL_SERVER_URL=http://actual-budget:5006  # Use container name
    networks:
      - actual-network

networks:
  actual-network:
    external: true  # Use existing network

Local Development

# Install dependencies
npm install

# Development mode (requires .env)
npm run dev

# Build
npm run build

# Run
npm start

API Endpoints

Usage Examples

After configuring the Connector, you can interact with Claude like this:

Adding a Regular Transaction

You: Add a transaction: $180 at Starbucks yesterday

Claude: ✅ Transaction added:
- Account: Checking
- Amount: -$180
- Payee: Starbucks
- Date: 2024-12-29

Would you like to specify a category?

Transferring Between Accounts

You: Transfer $500 from checking to savings

Claude: ✅ Transfer created:
- From: Checking
- To: Savings
- Amount: $500
- Date: 2024-12-30

The transfer has been recorded in both accounts.

Batch Importing Transactions

You: Import these transactions to my checking account:
- Jan 1: $50 at Grocery Store (Food)
- Jan 2: $100 at Gas Station (Transportation)
- Jan 3: $25 at Coffee Shop (Dining)

Claude: ✅ Imported 3 transactions:
- Added: 3
- Updated: 0

All transactions have been imported successfully.

Viewing Budget Status

You: How's my budget for this month?

Claude: Here's your budget summary for 2024-12:

📊 Overall Status
- To Budget: $5,000
- Total Budgeted: $45,000
- Total Spent: $32,450

📁 Category Breakdown
| Category | Budgeted | Spent | Remaining |
|----------|----------|-------|-----------|
| Dining | $8,000 | $6,200 | $1,800 |
| Transportation | $3,000 | $2,100 | $900 |
| Groceries | $5,000 | $4,350 | $650 |
...

New Features in v1.2.0

Transfer Transactions

The add_transaction tool now supports the transfer_to parameter for creating transfers between accounts:

{
  "account": "Checking",
  "amount": -100,
  "transfer_to": "Savings",
  "notes": "Monthly savings"
}

This automatically creates matching transactions in both accounts using Actual Budget's transfer mechanism.

Batch Import Transactions

The new import_transactions tool allows bulk importing of transactions with improved performance:

{
  "account": "Checking",
  "transactions": [
    {
      "date": "2024-01-01",
      "amount": -50.00,
      "payee_name": "Grocery Store",
      "category": "Food",
      "imported_id": "txn_001"
    },
    {
      "date": "2024-01-02",
      "amount": -100.00,
      "payee_name": "Gas Station",
      "category": "Transportation",
      "imported_id": "txn_002"
    }
  ]
}

Benefits:

• Single API call instead of multiple individual calls

• Better duplicate detection using imported_id

• Proper rule application across entire batch

• Returns detailed counts of added/updated transactions

Troubleshooting

Connection Failed

1. Verify Actual Budget server is running

2. Check that ACTUAL_SERVER_URL is correct

3. If using Docker networking, verify container names are correct

Authentication Failed

1. Verify password is correct

2. If using OpenID, ensure password login is also enabled:

   // config.json
   {
     "allowedLoginMethods": ["password", "openid"]
   }

Budget Not Found

1. Verify ACTUAL_BUDGET_ID is the correct Sync ID

2. Find Sync ID in Actual Budget's Settings → Show advanced settings

Encryption Error

If your budget has end-to-end encryption enabled, you need to set ACTUAL_ENCRYPTION_PASSWORD

License

MIT License

Related Resources

• Actual Budget

• Actual Budget API Documentation

• Model Context Protocol

• MCP TypeScript SDK