Atlas / MCP servers / s-stefanov / Actual Budget

Actual BudgetSAFE

Name: Actual Budget
Author: s-stefanov

mcp/s-stefanov/actual-budget

MCP server by s-stefanov · Audited 2026-10-06

⚑ Report / re-scan Source ↗

Model Context Protocol for Actual Budget API

Verdict

SAFE

Grade

Trust score

89 /100

Exposed tools

54 24r · 21w · 9d

Transport

sse · stdio · streamable-http

License

MIT

Stars

248

Overview

From the repository's own README, as read at the audited commit. Badges and raw HTML are left out.

MCP server for integrating Actual Budget with Claude and other LLM assistants.

Overview

The Actual Budget MCP Server allows you to interact with your personal financial data from Actual Budget using natural language through LLMs. It exposes your accounts, transactions, and financial metrics through the Model Context Protocol (MCP).

Features

Resources

Account Listings - Browse all your accounts with their balances
Account Details - View detailed information about specific accounts
Transaction History - Access transaction data with complete details

Tools

Transaction & Account Management

`get-transactions` - Retrieve and filter transactions by account, date, amount, category, or payee
`create-transaction` - Create a new transaction in an account with optional category, payee, and notes
`update-transaction` - Update an existing transaction with new category, payee, notes, or amount
`get-accounts` - Retrieve a list of all accounts with their current balance and ID
`balance-history` - View account balance changes over time

Reporting & Analytics

`spending-by-category` - Generate spending breakdowns categorized by type
`monthly-summary` - Get monthly income, expenses, and savings metrics
`budget-vs-actual` - Compare budgeted amounts against actual spending per category
`net-worth` - Track assets, liabilities, and net worth across all accounts over time
`category-trends` - See how spending in each category moves month over month, with trend direction
`spending-by-payee` - Rank payees by how much was spent with (or received from) each one
`cash-flow` - Report income, expenses, and net cash flow per month or week

The five tools above return JSON rather than markdown, so amounts stay machine-readable. Every amount is an integer number of cents, and each response carries an amountsIn field descri

Read from source at commit 9848e09051c1OBSERVED · 2026-10-06

Connect

Built from this server's own package name, version and transport as found in its source — not copied from anyone's documentation, so it cannot drift against a page we do not control. Replace the environment placeholders with a token scoped to the least it needs.

claude-code (npm)

claude mcp add actual-mcp --env ACTUAL_PASSWORD=${ACTUAL_PASSWORD} --env ACTUAL_BUDGET_ENCRYPTION_PASSWORD=${ACTUAL_BUDGET_ENCRYPTION_PASSWORD} --env ACTUAL_PASSWORD=${ACTUAL_PASSWORD} --env ACTUAL_BUDGET_ENCRYPTION_PASSWORD=${ACTUAL_BUDGET_ENCRYPTION_PASSWORD} -- npx -y [email protected]

claude-code (npm)

claude mcp add actual-mcp --env ACTUAL_PASSWORD=${ACTUAL_PASSWORD} --env ACTUAL_BUDGET_ENCRYPTION_PASSWORD=${ACTUAL_BUDGET_ENCRYPTION_PASSWORD} --env ACTUAL_PASSWORD=${ACTUAL_PASSWORD} --env ACTUAL_BUDGET_ENCRYPTION_PASSWORD=${ACTUAL_BUDGET_ENCRYPTION_PASSWORD} -- npx -y [email protected] 3000

Exposed tools (54)

24 read · 21 write · 9 destructive. Blast radius: 9 tools can delete or overwrite — an agent that can be talked into calling a tool can be talked into calling this one.

Tool	Risk	Description
`actual-cleanup`	read	Analyze budget for cleanup opportunities
`add-dashboard-widget`	write	Add a widget to a dashboard page in the Reports section
`balance-history`	read	Get account balance history over time
`budget-review`	read	Review my budget and spending
`budget-vs-actual`	read	Compare budgeted amounts against actual spending per category, for recent months. Returns JSON; amounts are integer cents.
`cash-flow`	read	Report income, expenses, and net cash flow per month or week. Returns JSON; amounts are integer cents.
`category-trends`	read	Show how spending in each category changes month over month, with trend direction. Returns JSON; amounts are integer cents.
`create-category`	write	Create a new category
`create-category-group`	write	Create a new category group
`create-custom-report`	write	Create a saved custom report, selectable as a widget in the Reports section
`create-dashboard-page`	write	Create a new, empty dashboard page in the Reports section
`create-payee`	write	Create a new payee
`create-rule`	write	Create a new rule
`create-transaction`	write	Create a new transaction. Use this to add transactions to accounts. Supports transfers between accounts by
`delete-category`	destructive	Delete a category
`delete-category-group`	destructive	Delete a category group
`delete-custom-report`	destructive	Delete a saved custom report
`delete-dashboard-page`	destructive	Delete a dashboard page along with every widget on it
`delete-payee`	destructive	Delete a payee
`delete-rule`	destructive	Delete a rule
`delete-transaction`	destructive	Delete a transaction by its ID. This action is permanent and cannot be undone.
`endDate`	read	End date in YYYY-MM-DD format
`financial-insights`	read	Generate financial insights and advice
`get-accounts`	read	Retrieve a list of all accounts with their current balance and ID.
`get-budget-month`	read	Retrieve budget data for a specific month, including budgeted amounts, spending, and balances per category.
`get-budget-months`	read	Retrieve a list of all available budget months in YYYY-MM format.
`get-custom-reports`	read	Retrieve every saved custom report from the budget
`get-dashboards`	read	Retrieve every dashboard page and the widgets laid out on it. These are the dashboards under the Reports section of the sidebar.
`get-grouped-categories`	read	Retrieve a list of all category groups with their id, name, type and category list.
`get-payees`	read	Retrieve a list of all payees with their id, name, categoryId and transferAccountId.
`get-rules`	read	Retrieve a list of all rules. PS amount comes in cents: positive for deposit, negative for payment
`get-transactions`	read	Get transactions with optional filtering, for one account or across all accounts if accountId is omitted
`hold-budget-for-next-month`	read	Reserve budget funds from the current month to be used in the following month. Value must be in integer cents.
`import-transactions`	write	Import a list of transactions into an account using reconciliation logic.
`monthly-summary`	read	Get monthly income, expenses, and savings
`months`	read	Number of months to analyze
`net-worth`	read	Track assets, liabilities, and net worth across all accounts over time. Returns JSON; amounts are integer cents.
`organize-dashboard`	read	Reposition and resize several dashboard widgets at once, to rearrange a dashboard layout in the Reports section
`remove-dashboard-widget`	destructive	Remove a widget from its dashboard page
`rename-dashboard-page`	write	Rename an existing dashboard page
`reset-budget-hold`	destructive	Clear any held budget amounts for a specified month, releasing them back to the available balance.
`run-bank-sync`	write	Run bank synchronization (GoCardless/SimpleFIN) to download latest transactions.
`set-budget-amount`	write	Set the budgeted amount for a category in a given month. Value must be in integer cents (e.g. 12030 = $120.30).
`set-budget-carryover`	write	Enable or disable carryover of unspent funds for a category into the next month.
`spending-by-category`	read	Get spending breakdown by category for a specified date range
`spending-by-payee`	read	Rank payees by how much money was spent with (or received from) each one. Returns JSON; amounts are integer cents.
`startDate`	write	Start date in YYYY-MM-DD format
`update-category`	write	Update a category
`update-category-group`	write	Update a category group
`update-custom-report`	write	Update fields on a saved custom report, leaving unspecified fields unchanged
`update-dashboard-widget`	write	Update a dashboard widget
`update-payee`	write	Update a payee
`update-rule`	write	Update a rule
`update-transaction`	write	Update an existing transaction. Can modify date, amount, payee, category, notes, cleared status, and

Trust audit

SAFEgrade B · trust 89/100 Nothing in the source contradicts what it says it does. Grade A is reserved for packages that have also passed the behavioural sandbox.

Layer	What it checks	Result
L0	Provenance & inventory	PASS
L1	Static analysis of the code	PASS
L2	Instruction surface (what it tells the agent)	PASS
L3	Class-specific surface	WARN
L4	Behavioural (sandbox)	SKIPPED

What the source does

Filesystem: declared (2 observation(s))
Network: declared (1 observation(s))
Shell: none-observed
Dependencies: not all pinned
Secrets in source: none-found

Findings (9)

MEDIUMFilesystem / path · mcp.destructive_tools · CWE-22, CWE-59

delete-category, delete-category-group, delete-custom-report, delete-dashboard-page, delete-payee, delete-rule, delete-transaction, remove-dashboard-widget, reset-budget-hold

Why it matters. 9 tool(s) can delete or overwrite

Fix. prefer a read-only mode or scoped tokens; the page states the blast radius

LOWInventory / provenance · inv.hidden_file · CWE-1104

.prettierignore

.prettierignore

Why it matters. hidden member outside the usual dotfiles

Fix. review its purpose

LOWInventory / provenance · inv.hidden_file · CWE-1104

.release-please-manifest.json

.release-please-manifest.json

Why it matters. hidden member outside the usual dotfiles

Fix. review its purpose