Actual Budget MCP

An open-source Model Context Protocol server that exposes Actual Budget accounts, transactions, budgets, and reporting capabilities to LLM assistants. It enables users to browse accounts, retrieve transaction history, create and update transactions, and generate financial reports such as spending by category, monthly summaries, and net worth tracking via natural language queries.

Package and access

Local package with source-attributed installation metadata. Koskamo does not execute packages during review.

Community listingLocal stdioSource reviewed; not executedPublished by s-stefanov

Vendor documentation

What you can do with it

Retrieve and filter transaction history by account, date, or category
Create new transactions with optional categories, payees, and notes
Generate spending breakdowns categorized by type
Track assets, liabilities, and net worth across all accounts

Source and maintenance

Community listingRegistry 1.15.1

mcp-registry: io.github.s-stefanov/actual-mcp@1.15.1 Source repository Project website

Maintenance checked: Oct 31, 2026, 10:59 PM UTC

Packages and installation

Source-provided package data. Koskamo has not executed or live-probed this package.

actual-mcp 1.15.1

npmnpx

actual-mcp package definition

{
  "version": "1.15.1",
  "transport": "stdio",
  "identifier": "actual-mcp",
  "runtimeHint": "npx",
  "registryType": "npm",
  "registryBaseUrl": "https://registry.npmjs.org",
  "environmentVariables": [
    {
      "name": "ACTUAL_SERVER_URL",
      "isRequired": true,
      "description": "URL of your Actual Budget server"
    },
    {
      "name": "ACTUAL_PASSWORD",
      "isRequired": true,
      "description": "Actual Budget server password"
    },
    {
      "name": "ACTUAL_BUDGET_SYNC_ID",
      "isRequired": true,
      "description": "Budget sync ID"
    },
    {
      "name": "ACTUAL_DATA_DIR",
      "description": "Local dir for cached budget data"
    },
    {
      "name": "ACTUAL_BUDGET_ENCRYPTION_PASSWORD",
      "description": "E2E encryption password, if enabled"
    },
    {
      "name": "ACTUAL_SYNC_TTL_MS",
      "default": "60000",
      "description": "Sync cache TTL in ms"
    }
  ]
}

Tools

Reported by the attributed source; not independently observed by Koskamo.

No tool definitions available.

Connect from your client

Each snippet configures the same source-provided package; replace placeholders before use.

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Cursor

Merge this local stdio configuration, replace every placeholder environment value, and restart Cursor. Koskamo has not executed this package.

Cursor configuration

{
  "mcpServers": {
    "actual-budget-mcp": {
      "command": "npx",
      "args": [
        "-y",
        "actual-mcp@1.15.1"
      ],
      "env": {
        "ACTUAL_SERVER_URL": "<YOUR_ACTUAL_SERVER_URL>",
        "ACTUAL_PASSWORD": "<YOUR_ACTUAL_PASSWORD>",
        "ACTUAL_BUDGET_SYNC_ID": "<YOUR_ACTUAL_BUDGET_SYNC_ID>",
        "ACTUAL_DATA_DIR": "<YOUR_ACTUAL_DATA_DIR>",
        "ACTUAL_BUDGET_ENCRYPTION_PASSWORD": "<YOUR_ACTUAL_BUDGET_ENCRYPTION_PASSWORD>",
        "ACTUAL_SYNC_TTL_MS": "<YOUR_ACTUAL_SYNC_TTL_MS>"
      }
    }
  }
}

Cline

Merge this local stdio configuration, replace every placeholder environment value, and restart Cline. Koskamo has not executed this package.

Cline configuration

{
  "mcpServers": {
    "actual-budget-mcp": {
      "command": "npx",
      "args": [
        "-y",
        "actual-mcp@1.15.1"
      ],
      "env": {
        "ACTUAL_SERVER_URL": "<YOUR_ACTUAL_SERVER_URL>",
        "ACTUAL_PASSWORD": "<YOUR_ACTUAL_PASSWORD>",
        "ACTUAL_BUDGET_SYNC_ID": "<YOUR_ACTUAL_BUDGET_SYNC_ID>",
        "ACTUAL_DATA_DIR": "<YOUR_ACTUAL_DATA_DIR>",
        "ACTUAL_BUDGET_ENCRYPTION_PASSWORD": "<YOUR_ACTUAL_BUDGET_ENCRYPTION_PASSWORD>",
        "ACTUAL_SYNC_TTL_MS": "<YOUR_ACTUAL_SYNC_TTL_MS>"
      }
    }
  }
}

VS Code

Merge this local stdio configuration, replace every placeholder environment value, and restart VS Code. Koskamo has not executed this package.

VS Code configuration

{
  "servers": {
    "actual-budget-mcp": {
      "type": "stdio",
      "command": "npx",
      "args": [
        "-y",
        "actual-mcp@1.15.1"
      ],
      "env": {
        "ACTUAL_SERVER_URL": "<YOUR_ACTUAL_SERVER_URL>",
        "ACTUAL_PASSWORD": "<YOUR_ACTUAL_PASSWORD>",
        "ACTUAL_BUDGET_SYNC_ID": "<YOUR_ACTUAL_BUDGET_SYNC_ID>",
        "ACTUAL_DATA_DIR": "<YOUR_ACTUAL_DATA_DIR>",
        "ACTUAL_BUDGET_ENCRYPTION_PASSWORD": "<YOUR_ACTUAL_BUDGET_ENCRYPTION_PASSWORD>",
        "ACTUAL_SYNC_TTL_MS": "<YOUR_ACTUAL_SYNC_TTL_MS>"
      }
    }
  }
}

Claude Desktop

Merge this local stdio configuration, replace every placeholder environment value, and restart Claude Desktop. Koskamo has not executed this package.

Claude Desktop configuration

{
  "mcpServers": {
    "actual-budget-mcp": {
      "command": "npx",
      "args": [
        "-y",
        "actual-mcp@1.15.1"
      ],
      "env": {
        "ACTUAL_SERVER_URL": "<YOUR_ACTUAL_SERVER_URL>",
        "ACTUAL_PASSWORD": "<YOUR_ACTUAL_PASSWORD>",
        "ACTUAL_BUDGET_SYNC_ID": "<YOUR_ACTUAL_BUDGET_SYNC_ID>",
        "ACTUAL_DATA_DIR": "<YOUR_ACTUAL_DATA_DIR>",
        "ACTUAL_BUDGET_ENCRYPTION_PASSWORD": "<YOUR_ACTUAL_BUDGET_ENCRYPTION_PASSWORD>",
        "ACTUAL_SYNC_TTL_MS": "<YOUR_ACTUAL_SYNC_TTL_MS>"
      }
    }
  }
}

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