OpenBudget

OpenBudget connects bank accounts to AI to answer questions about money and provides access to a suite of AI assistants for live financial data. It supports many institutions via Plaid and exposes account data, spending, and balances to AI models like Claude, Hermes, OpenClaw, and ChatGPT. The service is designed for individuals who want to ask questions about transactions, budgets, and investments using familiar AI interfaces.

OpenBudget operates by securely connecting bank data through Plaid, keeping credentials with Plaid and not storing them on its servers. Users sign in with OAuth to grant access to transactions, balances, and liability details, which the AI can then use to generate real answers and automate recurring checks.

The platform enables syncing transactions to Google Sheets and Excel without CSV exports or manual copy-paste, enabling live data in spreadsheets. It supports automatic categorization rules, split charges, and tracking of cards and loans, all in an environment where data updates continuously.

OpenBudget offers a MCP server that connects various AI clients to live financial data. It supports multiple clients and provides a single connection model, with recurring tasks and live data sources for routines like spending summaries and bill checks.

Use cases

• Ask about spending trends, budgets, and assets using live bank data
• Create spending reports and budgets from current data