Budget Tracker by Smart Money

Personal finance: log expenses in plain language, track accounts, budgets and spending

What can you do with Budget Tracker by Smart Money?

💬 Plain-language entry — taxi 4500 yesterday kaspi #trip is parsed into an amount, date, account, currency, tags and category. Amounts like 12k or 1.2m, dates like yesterday or 3 days ago, and account names in any script all resolve.
📊 Spending answers — income, expense, savings rate, category breakdown and top merchants for any period.
🏦 Accounts & balances — cards, cash, bank accounts, deposits, credit cards (counted as liabilities), investments and e-wallets. Multi-currency, with rates on the date and totals in your base currency.
💰 Deposits with interest — rate in basis points, accrual frequency, compounding or payout to another account. Interest is computed daily on the real balance, and every accrual carries an idempotency key, so nothing is posted twice.
🎯 Budgets — weekly, monthly or yearly limits with spent, remaining, and an end-of-period forecast.
📥 Bank notifications — paste push-notification text and it becomes transactions; re-importing the same notification does not duplicate it.
🏷️ Categories & tags — flat categories chosen in one step, tags orthogonal to them. An unknown #tag is created on the fly; a deleted one is restored instead of duplicated.

Install

Add this to your client's MCP configuration (Claude Desktop: claude_desktop_config.json; Cursor: .cursor/mcp.json; VS Code and others use the same "mcpServers" shape).

Remote (streamable-http)

Claude Code

claude mcp add --transport http budget-tracker-by-smart-money 'https://smart-money.ink/mcp'

JSON configuration (Claude Desktop, Cursor, VS Code)

{
    "mcpServers": {
        "budget-tracker-by-smart-money": {
            "type": "http",
            "url": "https://smart-money.ink/mcp"
        }
    }
}

Documentation

From the project's README on GitHub, refreshed weekly. Links open on GitHub.

Contents

Budget Tracker by Smart Money MCP
Install
Quick start
What you can do from chat
Tool surface
Plans & access
Supported clients
Cursor plugin
Example prompts
Authorization & data
Troubleshooting
Where this server is listed
Project links
License

en • ru

Budget Tracker by Smart Money MCP

Model Context Protocol server for personal finance — log expenses in plain language, track accounts, deposits, budgets and spending, secured by OAuth.

Budget Tracker by Smart Money MCP puts your money ledger inside your AI assistant. Connect Claude, ChatGPT, Cursor, VS Code, or a CLI client to Budget Tracker by Smart Money, then say "log 4500 on a taxi yesterday from Kaspi" or ask "how much did I spend on food this month?" — the assistant writes to the same ledger the app reads.

Server URL: https://smart-money.ink/mcp
Transport: Streamable HTTP
Auth: OAuth 2.1 with PKCE
Landing & setup: smart-money.ink/claude

Install

Budget Tracker by Smart Money MCP is a remote, OAuth-secured server. There is nothing to install locally. Add this to your MCP client config:

{
  "mcpServers": {
    "smart-money": {
      "type": "http",
      "url": "https://smart-money.ink/mcp"
    }
  }
}

One-click install:

CLI clients (Claude Code, Gemini CLI, Codex CLI) and manual snippets: see Supported clients.

Quick start

Create a Budget Tracker by Smart Money account at smart-money.ink and start the free trial (see Plans & access).
Open smart-money.ink/claude and follow the setup path for your client.
Use the one-click install, the CLI command, or the manual JSON snippet above.
Authorize with OAuth when your client opens the consent screen.
Talk to your assistant about money in plain language.

What you can do from chat

💬 Plain-language entry — taxi 4500 yesterday kaspi #trip is parsed into an amount, date, account, currency, tags and category. Amounts like 12k or 1.2m, dates like yesterday or 3 days ago, and account names in any script all resolve.
📊 Spending answers — income, expense, savings rate, category breakdown and top merchants for any period.
🏦 Accounts & balances — cards, cash, bank accounts, deposits, credit cards (counted as liabilities), investments and e-wallets. Multi-currency, with rates on the date and totals in your base currency.
💰 Deposits with interest — rate in basis points, accrual frequency, compounding or payout to another account. Interest is computed daily on the real balance, and every accrual carries an idempotency key, so nothing is posted twice.
🎯 Budgets — weekly, monthly or yearly limits with spent, remaining, and an end-of-period forecast.
📥 Bank notifications — paste push-notification text and it becomes transactions; re-importing the same notification does not duplicate it.
🏷️ Categories & tags — flat categories chosen in one step, tags orthogonal to them. An unknown #tag is created on the fly; a deleted one is restored instead of duplicated.

Tool surface

27 tools. Reading and writing are separate tools — no confirm or dryRun flags — and each one carries a title plus readOnlyHint / destructiveHint annotations, so your client knows which calls deserve a confirmation prompt.

Category	Tools
👀 Previews (read-only)	`preview_entry`, `preview_notifications`, `preview_interest` — show the parse before anything is written
💸 Transactions	`quick_add`, `add_transaction`, `list_transactions`, `update_transaction`, `delete_transaction`, `import_notifications`
📊 Reporting	`summary` — income, expense, savings rate, categories, top merchants for a period
🏦 Accounts	`list_accounts`, `create_account`, `update_account`, `delete_account`, `accrue_interest`
🗂️ Categories	`list_categories`, `create_category`, `update_category`, `delete_category`
🏷️ Tags	`list_tags`, `create_tag`, `update_tag`, `delete_tag`
🎯 Budgets	`list_budgets`, `create_budget`, `update_budget`, `delete_budget`

Deletion is soft: a transaction gets a deletedAt and drops out of balances and reports on every device, while its import key stays — so re-importing the same bank notification will not bring it back. An account or category still referenced by transactions cannot be deleted; the connector offers to archive it instead, so history never points at nothing.

For the exact, up-to-date set, run tools/list against https://smart-money.ink/mcp.

Plans & access

Budget Tracker by Smart Money is a paid service with a free trial. The connector reads and writes your real ledger, so it needs an active subscription or trial — there is no anonymous tier.

	Free trial	Subscription
Price	$0 for 7 days, card required	$7.99 / month
Web app, sync, every connector tool	✅	✅

Nothing is charged during the trial, and cancelling during it charges nothing. Cancel any time in Settings → Subscription. When a subscription lapses the app locks, but records are not deleted: they stay in your browser and can still be exported. Current terms: smart-money.ink/terms.

Call a tool without an active subscription and the tool result says so, pointing you at the app's settings.

Supported clients

Claude (web & desktop) — Settings → Connectors → Add custom connector
ChatGPT — Settings → Connectors → custom MCP connector with OAuth
Cursor — one-click install via deeplink, or ~/.cursor/mcp.json
VS Code — one-click install via deeplink, or .vscode/mcp.json
Claude Code (CLI) — claude mcp add --transport http smart-money https://smart-money.ink/mcp
Gemini CLI — gemini mcp add --transport http smart-money https://smart-money.ink/mcp
Codex CLI — codex mcp add smart-money --url https://smart-money.ink/mcp
Generic HTTP MCP client — point it at the URL and let it complete OAuth discovery

Full per-client instructions: docs/setup.md.

Cursor plugin

This repository is also a Cursor plugin. It contributes one MCP server (smart-money) and no rules, skills, agents, or hooks.

.cursor-plugin/plugin.json   ← plugin manifest
mcp.json                     ← the MCP server it contributes
assets/logo.svg              ← plugin logo

There is nothing to configure. No API key or environment variable is required: the server advertises OAuth 2.1 metadata, the client registers itself dynamically, and the consent screen opens on first use.

Example prompts

Log as you go

"taxi 4500 yesterday kaspi #trip"

→ One transaction, parsed and saved: amount, date, account, tag. The preview tool can show the parse first.

Ask where the money went

"How much did I spend on food this month, and how does that compare to my budget?"

→ A category breakdown plus the budget's spent, remaining, and end-of-month forecast.

Deposits

"Post the interest due on my deposits."

→ Interest accrued daily on the actual balance, idempotent: running it twice posts nothing extra.

Bank notifications

(paste a batch of bank push notifications) "Turn these into transactions."

→ Parsed into transactions, with already-imported ones skipped.

More: docs/examples.md.

Authorization & data

Auth is OAuth 2.1 with PKCE. Your assistant gets a token tied to your Budget Tracker by Smart Money account, and the connector reads and writes as you — row-level security and the subscription check apply exactly as they do in the web app. Discovery follows RFC 9728: an unauthenticated call to /mcp returns 401 pointing at https://smart-money.ink/.well-known/oauth-protected-resource/mcp, and the authorization server is found from there.

Tokens can be revoked at any time from the Budget Tracker by Smart Money app. OAuth flow details: docs/oauth.md. Data handling: smart-money.ink/privacy.

Troubleshooting

Common connection, OAuth, and tool-call errors: docs/troubleshooting.md.

Where this server is listed

Registry and directory listings, and how publishing works: docs/registries.md.

Project links

Product: smart-money.ink
Setup page: smart-money.ink/claude
MCP server: https://smart-money.ink/mcp
Issues: github.com/ultraza4/smart-money-mcp/issues

License

MIT — see LICENSE.

Built by @ultraza4. Budget Tracker by Smart Money is a hosted personal-finance service; this repo is documentation and manifests for its public MCP server. Server source is not open.

Frequently asked questions

What is Budget Tracker by Smart Money?

Personal finance: log expenses in plain language, track accounts, budgets and spending

How do I install Budget Tracker by Smart Money?

It runs as a remote server. In Claude Code: claude mcp add --transport http budget-tracker-by-smart-money 'https://smart-money.ink/mcp'. For other clients, paste the JSON configuration from this page into their MCP settings.

Does Budget Tracker by Smart Money need an API key?

Its registry entry lists no required key or secret. Some features may still need an account with the service it connects to.

Is Budget Tracker by Smart Money open source?

Yes. Its code is on GitHub under the MIT license.

Who maintains Budget Tracker by Smart Money?

It is published by ultraza4. AI.tn lists it but does not maintain or endorse it.

From the official MCP Registry. Listing is not an endorsement: review a server's code and permissions before giving it access to your data.

Server details

Listed in: Official MCP Registry
Publisher: ultraza4
Category: Finance and payments
Runs: Remote
GitHub stars: ★ 0
License: MIT
Last commit: Oct 23, 2026
Open issues: 0
Version: 0.2.3
Published: Oct 23, 2026

ink.smart-money/smart-money

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