Connect Claude or ChatGPT and stop wondering where your money went. Your AI imports your statements, sorts your spending, and answers your money questions in plain language.
No card. Works with Claude, ChatGPT, Grok, Cursor, and any MCP client.
| Date | Merchant | Description | Category | Amount | Reviewed |
|---|---|---|---|---|---|
| 06/01 | Direct deposit paycheck | Paycheck | +$2,010.00 | ||
| 06/01 | Zelle rent, June | Rent | −$1,450.00 | ||
| 06/04 | Trader Joe’s groceries | Groceries | −$86.40 | ||
| 06/07 | Netflix was $15.49 | Subscriptionsprice change | −$17.99 | ||
| 06/12 | Chipotle | Dining out | −$14.20 | ||
| 06/18 | Spotify was $10.99 | Subscriptionsprice change | −$11.99 | ||
| 06/22 | Venmo needs review | −$60.00 |
41 rows. 40 categorized, 1 to review.
Net worth · June 30, 2026
Cash, investments & assets
Credit & loans
5 accounts in one book.
01 · The setup
You use the AI you already talk to. It does the tracking.
01 Connect your AI · create_business
Add LedgerMCP to Claude or ChatGPT as a connector, then say “set up a personal book.” No spreadsheet, no app to learn.
Name your book
Categories
One book, your own categories.
02 Hand it your statements · import_transactions
Export a CSV from your bank or card, or connect the account, and your AI imports and sorts every transaction into plain categories.
Here is June for my checking account.
Imported 41 rows and sorted every one into a category. Two subscriptions renewed at a higher price, both flagged. One Venmo payment is open: split with a roommate, or yours?
03 Just ask · run_pnl
Ask about your money and get a straight answer from your real numbers.
Where did my money go in June?
You spent $3,180.00. The biggest chunks were rent ($1,450.00), groceries ($520.00), and dining out ($410.00). Money in was $4,020.00, so you saved $840.00.
02 · Answers
No dashboard to read: ask, and get the figure.
Bills & subscriptions · June 2026
monthly · $15.49 → $17.99 · 06/07
monthly · $10.99 → $11.99 · 06/18
monthly · $24.99 → $24.99 · 06/03
2 price changes flagged.
03 · The ledger
Most apps show you charts; this one keeps double-entry books.
The numbers actually reconcile: every dollar in and out is accounted for, nothing is quietly double-counted, and your AI cannot corrupt the math because the database will not let it.
That is the difference between “roughly” and “exactly.” When your AI says you have $840.00 of room this month, it is reading a ledger that ties, not a vibe from a spreadsheet.
My Money, June 2026
7 spending rows. $840.00 left.
Questions
It is a free personal finance tracker your AI runs for you. Connect Claude or ChatGPT to LedgerMCP, set up a personal book, and your AI imports your statements, categorizes your spending, and answers questions about your money.
Yes. Tracking your personal finances is free: unlimited categories, all reports, and full AI access, with no card. Live bank feeds start at $9 per month, and the built-in assistant is included on Growth and Scale. You can skip feeds entirely by importing CSV or OFX statements.
No. You talk to your AI in plain language and it does the categorizing and math. A clean web app is there if you ever want to look yourself.
Yes. LedgerMCP never trains on your data. Bring your own AI, or use the optional built-in assistant. Bank connections go through Plaid and tokens are encrypted at rest; you can skip bank feeds and use CSVs. Your books are yours and export any time.
Yes. LedgerMCP detects recurring charges and flags price increases, double charges, and payments you may have forgotten.
Yes. Under one free account you can keep a personal book alongside any business books, each with its own categories and reports. One key lets your AI work across all of them.
Any MCP client: Claude, ChatGPT, Grok, Cursor, or one you built. You paste one snippet and your AI can keep your personal book.
Ask your first question in about a minute.
No card. Unlimited books.
Example: My Money, a personal book, June 2026, 41 transactions. Net worth as of June 30, 2026.