Actual Budget MCP

An MCP server that connects Claude to a local Actual Budget instance, allowing agents to query accounts, analyze spending trends, create and manage transactions, and reallocate budgets without data leaving the user's machine.

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Package and access

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

Community listingLocal stdioSource reviewed; not executedPublished by DLSLabs

Vendor documentation

What you can do with it

Query accounts, budgets, and transaction history
Analyze spending trends and budget vs actual projections
Create, update, or delete financial transactions
Reallocate budget amounts between categories

Source and maintenance

Community listingRegistry 0.11.0

mcp-registry: io.github.henfrydls/actual-budget-mcp@0.11.0 Source repository Project website

Maintenance checked: Nov 1, 2026, 10:52 AM UTC

Packages and installation

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

actual-budget-mcp 0.11.0

npmnpx

actual-budget-mcp package definition

{
  "version": "0.11.0",
  "transport": "stdio",
  "identifier": "actual-budget-mcp",
  "runtimeHint": "npx",
  "registryType": "npm",
  "environmentVariables": [
    {
      "name": "ACTUAL_SERVER_URL",
      "isRequired": true,
      "description": "URL of your Actual Budget server, for example http://localhost:5006"
    },
    {
      "name": "ACTUAL_PASSWORD",
      "description": "Password for your Actual Budget server. Not needed if you set ACTUAL_SESSION_TOKEN"
    },
    {
      "name": "ACTUAL_SESSION_TOKEN",
      "description": "Session token for servers behind OIDC, which have no password. Use instead of ACTUAL_PASSWORD; if both are set, the token wins"
    },
    {
      "name": "ACTUAL_BUDGET_ID",
      "isRequired": true,
      "description": "Your budget's Sync ID, found under Settings > Show advanced settings"
    },
    {
      "name": "ACTUAL_ENCRYPTION_PASSWORD",
      "description": "Only needed if your budget file is end-to-end encrypted"
    },
    {
      "name": "ACTUAL_READ_ONLY",
      "description": "Set to 1 to hide every write tool from the model, exposing only reads and analysis"
    },
    {
      "name": "ACTUAL_TOOLSET",
      "description": "Set to chat to offer the 17 everyday tools instead of all 43, which is 17.0 KiB of tool descriptions instead of 39.2 KiB on every connection. Defaults to full"
    },
    {
      "name": "ACTUAL_DATA_DIR",
      "description": "Directory for the local budget cache"
    },
    {
      "name": "ACTUAL_HTTP_TIMEOUT_MS",
      "description": "How long to wait for your server to start replying, in milliseconds. Defaults to 60000; raise it if a GoCardless bank sync is being cut off"
    }
  ]
}

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-mcp": {
      "command": "npx",
      "args": [
        "-y",
        "actual-budget-mcp@0.11.0"
      ],
      "env": {
        "ACTUAL_SERVER_URL": "<YOUR_ACTUAL_SERVER_URL>",
        "ACTUAL_PASSWORD": "<YOUR_ACTUAL_PASSWORD>",
        "ACTUAL_SESSION_TOKEN": "<YOUR_ACTUAL_SESSION_TOKEN>",
        "ACTUAL_BUDGET_ID": "<YOUR_ACTUAL_BUDGET_ID>",
        "ACTUAL_ENCRYPTION_PASSWORD": "<YOUR_ACTUAL_ENCRYPTION_PASSWORD>",
        "ACTUAL_READ_ONLY": "<YOUR_ACTUAL_READ_ONLY>",
        "ACTUAL_TOOLSET": "<YOUR_ACTUAL_TOOLSET>",
        "ACTUAL_DATA_DIR": "<YOUR_ACTUAL_DATA_DIR>",
        "ACTUAL_HTTP_TIMEOUT_MS": "<YOUR_ACTUAL_HTTP_TIMEOUT_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-mcp": {
      "command": "npx",
      "args": [
        "-y",
        "actual-budget-mcp@0.11.0"
      ],
      "env": {
        "ACTUAL_SERVER_URL": "<YOUR_ACTUAL_SERVER_URL>",
        "ACTUAL_PASSWORD": "<YOUR_ACTUAL_PASSWORD>",
        "ACTUAL_SESSION_TOKEN": "<YOUR_ACTUAL_SESSION_TOKEN>",
        "ACTUAL_BUDGET_ID": "<YOUR_ACTUAL_BUDGET_ID>",
        "ACTUAL_ENCRYPTION_PASSWORD": "<YOUR_ACTUAL_ENCRYPTION_PASSWORD>",
        "ACTUAL_READ_ONLY": "<YOUR_ACTUAL_READ_ONLY>",
        "ACTUAL_TOOLSET": "<YOUR_ACTUAL_TOOLSET>",
        "ACTUAL_DATA_DIR": "<YOUR_ACTUAL_DATA_DIR>",
        "ACTUAL_HTTP_TIMEOUT_MS": "<YOUR_ACTUAL_HTTP_TIMEOUT_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-mcp": {
      "type": "stdio",
      "command": "npx",
      "args": [
        "-y",
        "actual-budget-mcp@0.11.0"
      ],
      "env": {
        "ACTUAL_SERVER_URL": "<YOUR_ACTUAL_SERVER_URL>",
        "ACTUAL_PASSWORD": "<YOUR_ACTUAL_PASSWORD>",
        "ACTUAL_SESSION_TOKEN": "<YOUR_ACTUAL_SESSION_TOKEN>",
        "ACTUAL_BUDGET_ID": "<YOUR_ACTUAL_BUDGET_ID>",
        "ACTUAL_ENCRYPTION_PASSWORD": "<YOUR_ACTUAL_ENCRYPTION_PASSWORD>",
        "ACTUAL_READ_ONLY": "<YOUR_ACTUAL_READ_ONLY>",
        "ACTUAL_TOOLSET": "<YOUR_ACTUAL_TOOLSET>",
        "ACTUAL_DATA_DIR": "<YOUR_ACTUAL_DATA_DIR>",
        "ACTUAL_HTTP_TIMEOUT_MS": "<YOUR_ACTUAL_HTTP_TIMEOUT_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-mcp": {
      "command": "npx",
      "args": [
        "-y",
        "actual-budget-mcp@0.11.0"
      ],
      "env": {
        "ACTUAL_SERVER_URL": "<YOUR_ACTUAL_SERVER_URL>",
        "ACTUAL_PASSWORD": "<YOUR_ACTUAL_PASSWORD>",
        "ACTUAL_SESSION_TOKEN": "<YOUR_ACTUAL_SESSION_TOKEN>",
        "ACTUAL_BUDGET_ID": "<YOUR_ACTUAL_BUDGET_ID>",
        "ACTUAL_ENCRYPTION_PASSWORD": "<YOUR_ACTUAL_ENCRYPTION_PASSWORD>",
        "ACTUAL_READ_ONLY": "<YOUR_ACTUAL_READ_ONLY>",
        "ACTUAL_TOOLSET": "<YOUR_ACTUAL_TOOLSET>",
        "ACTUAL_DATA_DIR": "<YOUR_ACTUAL_DATA_DIR>",
        "ACTUAL_HTTP_TIMEOUT_MS": "<YOUR_ACTUAL_HTTP_TIMEOUT_MS>"
      }
    }
  }
}

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