OpenBudget

A read-only MCP server that connects your bank accounts to Claude and ChatGPT.

💰See website (pricing not publicly disclosed) ★★★★½ 4.7/5 (75 reviews)

Data & Analytics No-code & Automation

#AI Assistant #Analyse clients #Data visualisation #Integrations & APIs

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Overview of OpenBudget

https://openbudget.sh/

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Présentation détaillée

✅ Strengths

Connects bank transactions directly to Claude and ChatGPT
Read-only access: impossible to move money
Live data from over 10,000 banks via Plaid
Automatic transaction categorization, without manual tagging
Native integrations with Google Sheets and Excel
Bank credentials entered at Plaid, never stored by OpenBudget

⚠️ Limits

Relies on Plaid, primarily oriented toward North American banks
Bank connection required, which may be unsettling for cautious users
Requires an MCP-compatible AI assistant (Claude, ChatGPT)
Pricing not clearly disclosed on the public website
No dedicated mobile app or integrated standalone dashboard

👤 GOOD CHOICE?

OpenBudget est-il fait pour vous ?

✓ Ideal if you…

✓ Fans of Claude or ChatGPT for their finances
✓ Google Sheets and Excel users
✓ Those wanting conversational analysis
✓ Profiles comfortable with a bank linked via Plaid

✗ To avoid if you…

✗ Those refusing to link their bank
✗ Users with no MCP client (Claude/ChatGPT)
✗ Those wanting a standalone budgeting app
✗ Outside the area covered by Plaid

🎯 Our verdict

OpenBudget meets a specific need: leveraging your real bank data from within an AI assistant, without copying and pasting statements. The principle is elegant: an MCP server exposes your transactions, balances, and expenses to Claude or ChatGPT, which can then answer your questions, spot trends, and generate budgets directly in Google Sheets or Excel. The connection goes through Plaid, which covers over 10,000 banks and is the sole keeper of your credentials, while access remains strictly read-only: the AI can neither transfer money nor modify an account. This is reassuring and well thought out. The limitations lie in the reliance on Plaid (primarily North American coverage), the requirement for an MCP-compatible client, and pricing that is not highly visible publicly. For those who already live in Claude, ChatGPT, and spreadsheets, OpenBudget offers a relevant and factual bridge to their finances. Others will prefer a classic budgeting app.

❓ FREQUENT QUESTIONS

FAQ — OpenBudget

What exactly is OpenBudget?

A service that connects your bank transactions to AI assistants like Claude and ChatGPT via an MCP server, as well as to Google Sheets and Excel, to analyze your finances.

Can OpenBudget move money in my accounts?

No. The MCP server is read-only: it exposes your transactions and balances but cannot transfer money, place orders, or modify an account.

How does OpenBudget connect to my bank?

Via Plaid, which supports over 10,000 banks. Your bank credentials are entered directly at Plaid and are never stored by OpenBudget.

Which AI tools are compatible?

MCP-compatible assistants like Claude (Desktop or claude.ai) and ChatGPT, plus integrations with Google Sheets and Excel to generate reports and dashboards.

Do I need to categorize expenses manually?

No. Each transaction is automatically categorized, without manual tagging, based on data retrieved live from your accounts.

★★★★½ 4.7/5 (75 avis)

✅ Verified by Comparateur-IA

Data & Analytics No-code & Automation

A read-only MCP server that connects your bank accounts to Claude and ChatGPT.

💰 Rate See website (pricing not publicly disclosed)

🆓 Free trial Yes

🌐 Languages ANGLAIS, FRANçAIS

Visit the site →

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