Chapter 8 of 10 · 15 entries

8. Personal Finance

Budgeting, spending analysis, net-worth tracking, and local-first finance apps that agents can connect to via MCP or skills.

Apps and MCP bridges

actual Local-first personal finance app; common integration surface for agents.
firefly-iii Self-hosted personal finances manager with a mature API.
accountant24 Personal finance agent oriented around bookkeeping workflows.
monarch-mcp-server MCP server for Monarch Money personal finance data.
lunchmoney-mcp Lunch Money personal finance MCP.
moneymatter Self-hosted budget tracker with a built-in MCP server.
mcp-server-firefly-iii MCP server bridging agents to Firefly III.
finance-assistant Personal finance copilot skill (FIRE planning, bank statement formats).
opencoffer Self-hosted personal finance with BYO-LLM chat and MCP.
BeeCount Local-first bookkeeping app (iOS/Android/Web) with AI capture, self-hosted sync, and MCP. CN
aurelio-finance Open-source personal finance app with an AI advisor for net worth, investments, and cash flow.
actual-ai Categorizes Actual Budget transactions with an LLM (OpenAI-compatible or Ollama).
Finance-Guru Self-hosted family-office engine with typed calculators, a private ledger, and specialist agents.
ray-finance Open-source AI financial advisor that keeps context about your situation across conversations.
beancount-io Plain-text double-entry bookkeeping apps for people and AI agents (iOS/Android).

Prefer local-first or read-only MCP access to bank data. Never store raw banking credentials inside an agent prompt or chat log.