Actual Budget MCP server exposing API functionality
Connect Actual MCP to Claude, Cursor or any other MCP client and it stops being a tab you switch to. Actual Budget MCP server exposing API functionality. The actual mcp mcp server is what makes that connection.
MCP server for integrating Actual Budget with Claude and other LLM assistants.
The Actual Budget MCP Server allows you to interact with your personal financial data from Actual Budget using natural language through LLMs. It exposes your accounts, transactions, and financial metrics through the Model Context Protocol (MCP).
The toolset is worth reading before you wire it up, because it tells you what the integration is really for:
Resources — The Resources tool exposed by this serverTools — The Tools tool exposed by this serverCategories — The Categories tool exposed by this serverPayees — The Payees tool exposed by this serverRules — The Rules tool exposed by this serverPrompts — The Prompts tool exposed by this serverPrerequisites — The Prerequisites tool exposed by this serverDebugging — Since MCP servers communicate over stdio, debugging can be challenging. You can use the [MCPConfiguration is passed through the environment: ACTUAL_DATA_DIR, ACTUAL_PASSWORD, ACTUAL_SERVER_URL, ACTUAL_BUDGET_SYNC_ID, ACTUAL_BUDGET_ENCRYPTION_PASSWORD, BEARER_TOKEN. Treat anything key-shaped as a real credential — scope it to the minimum the server needs, and rotate it if it ever lands in a shared config.
Installation goes through your MCP client rather than a global install: point it at version on npm and it is fetched when the client starts. The copy-paste blocks for Claude Desktop, Claude Code and Cursor are further down this page.
This sits in the developer tooling group, where several servers overlap in what they claim to do but differ sharply once you actually set them up. Actual MCP's toolset — Resources, Tools, Categories and 5 more — is a fair guide to whether it matches your workflow. It is maintained by s-stefanov; worth a glance at recent repository activity before you build anything load-bearing on it.
This entry was verified against Actual MCP's own documentation before publication; SyncDev keeps the directory reviewed rather than auto-generated.
| Tool | What it does |
|---|---|
| Resources | The Resources tool exposed by this server. |
| Tools | The Tools tool exposed by this server. |
| Categories | The Categories tool exposed by this server. |
| Payees | The Payees tool exposed by this server. |
| Rules | The Rules tool exposed by this server. |
| Prompts | The Prompts tool exposed by this server. |
| Prerequisites | The Prerequisites tool exposed by this server. |
| Debugging | Since MCP servers communicate over stdio, debugging can be challenging. You can use the [MCP Inspector](https://github.com/modelcontextprotocol/inspector): |
{
"mcpServers": {
"actualBudget": {
"command": "npx",
"args": ["-y", "actual-mcp", "--enable-write"],
"env": {
"ACTUAL_DATA_DIR": "path/to/your/data",
"ACTUAL_PASSWORD": "your-password",
"ACTUAL_SERVER_URL": "http://your-actual-server.com",
"ACTUAL_BUDGET_SYNC_ID": "your-budget-id"
}
}
}
}
### a. Using Node.js (local only):Configuration as documented by the project. Restart the client after saving.
| Variable | Description | Required |
|---|---|---|
| ACTUAL_DATA_DIR | Filesystem location the server is allowed to use. | Optional |
| ACTUAL_PASSWORD | Configuration value read at startup. | Optional |
| ACTUAL_SERVER_URL | Endpoint or connection string the server talks to. | Yes |
| ACTUAL_BUDGET_SYNC_ID | Configuration value read at startup. | Optional |
| ACTUAL_BUDGET_ENCRYPTION_PASSWORD | Configuration value read at startup. | Optional |
| BEARER_TOKEN | Credential the server authenticates with. | Yes |
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