Actual Budget MCP Server

Talk to your budget. An MCP server that connects Actual Budget to Claude. Ask where the money went, get real analysis back, and let it write without holding your breath.

Local serverstdioMIT

What is the Actual Budget MCP Server?

actual-budget-mcp is an MCP project maintained in the henfrydls/actual-budget-mcp repository. The maintainer describes its purpose as “Talk to your budget. An MCP server that connects Actual Budget to Claude. Ask where the money went, get real analysis back, and let it…”. Read the project documentation for the complete scope.

Installation

The documented npm package is actual-budget-mcp. The configuration below comes from the maintainer’s example; adapt its paths and account values to your environment.

Configuration values

The example declares ACTUAL_SERVER_URL, ACTUAL_PASSWORD, ACTUAL_BUDGET_ID. Secret-looking values have been replaced with placeholders. Required and optional labels are shown only when the documentation states them.

Source

Project documentation · Repository · Discovery listing. This profile records the public documentation checked on 2026-10-08.

Recorded tools

Check the linked publisher documentation and your connected client's tool list. Names and availability can vary with the server version and account permissions.

Tool	What it does
list_accounts	All accounts with balances
get_budget_month	Budget for a specific month
get_transactions	Transactions with filters
get_category_balance	Category history across a window of months
get_budget_summary	Executive budget overview
get_categories	All category groups and categories
get_payees	All payees in the budget
reconcile_account	Compare an account against a bank figure and explain the gap
get_rules	All transaction rules
balance_history	Account balance over time
budget_vs_actual	Budgeted vs spent per category
spending_projection	End-of-month spending forecast
category_trends	Spending trends over a window of months
spending_by_category	Spending breakdown by category
monthly_summary	Income vs expenses vs savings
create_transaction	Add a new transaction
create_transactions	Add several at once, all or nothing
create_split_transaction	One charge across several categories
update_transaction	Edit an existing transaction
delete_transaction	Remove a transaction (previews first, see Safety)
update_budget_amount	Set a budget amount, or add to it
transfer_between_categories	Move budgeted money between categories, creating no transaction
recategorize_transaction	Move to another category
create_transfer	Transfer between accounts
reconcile_currency_residual	Clear accumulated FX-rate residual
run_bank_sync	Sync with linked banks
create_category	Create a new category
update_category	Rename or hide a category
delete_category	Delete a category (previews first, see Safety)
create_category_group	Create a new group
update_category_group	Rename or hide a group
delete_category_group	Delete a group (previews first, see Safety)
create_payee	Create a new payee
update_payee	Rename a payee
delete_payee	Delete a payee (previews first, see Safety)
create_rule	Create a transaction rule
delete_rule	Delete a rule (previews first, see Safety)
create_account	Create an on- or off-budget account
delete_account	Delete an account and its history
update_account	Rename an account
repair_sync	Repair an out-of-sync budget

How to install the Actual Budget MCP Server

{
  "mcpServers": {
    "actual-budget-mcp": {
      "command": "npx",
      "args": [
        "-y",
        "actual-budget-mcp"
      ],
      "env": {
        "ACTUAL_SERVER_URL": "http://localhost:5006",
        "ACTUAL_PASSWORD": "YOUR_ACTUAL_PASSWORD",
        "ACTUAL_BUDGET_ID": "your-budget-sync-id"
      }
    }
  }
}

From the project documentation. Replace placeholders and example paths before connecting.

Configuration

Variable	Description	Required
ACTUAL_SERVER_URL	Declared in the maintainer’s client configuration.	Check documentation
ACTUAL_PASSWORD	Declared in the maintainer’s client configuration.	Check documentation
ACTUAL_BUDGET_ID	Declared in the maintainer’s client configuration.	Check documentation