Actual Budget MCP Server

by henfrydlsio.github.henfrydls/actual-budget-mcpv0.10.1

Self-hosted Actual Budget analysis: spending breakdowns, category trends, projections and budget vs. actual, with guarded writes and an optional read-only mode.

12Node.jsstdioofficial registry

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Active1d ago

Install Actual Budget MCP server

claude mcp add actual-budget -e ACTUAL_SERVER_URL='<actual-server-url>' -e ACTUAL_PASSWORD='<actual-password>' -e ACTUAL_SESSION_TOKEN='<actual-session-token>' -e ACTUAL_BUDGET_ID='<actual-budget-id>' -e ACTUAL_ENCRYPTION_PASSWORD='<actual-encryption-password>' -- npx -y actual-budget-mcp

{
  "mcpServers": {
    "actual-budget": {
      "command": "npx",
      "args": [
        "-y",
        "actual-budget-mcp"
      ],
      "env": {
        "ACTUAL_SERVER_URL": "<actual-server-url>",
        "ACTUAL_PASSWORD": "<actual-password>",
        "ACTUAL_SESSION_TOKEN": "<actual-session-token>",
        "ACTUAL_BUDGET_ID": "<actual-budget-id>",
        "ACTUAL_ENCRYPTION_PASSWORD": "<actual-encryption-password>"
      }
    }
  }
}

Add to ~/.cursor/mcp.json (global) or .cursor/mcp.json (project).

{
  "mcpServers": {
    "actual-budget": {
      "command": "npx",
      "args": [
        "-y",
        "actual-budget-mcp"
      ],
      "env": {
        "ACTUAL_SERVER_URL": "<actual-server-url>",
        "ACTUAL_PASSWORD": "<actual-password>",
        "ACTUAL_SESSION_TOKEN": "<actual-session-token>",
        "ACTUAL_BUDGET_ID": "<actual-budget-id>",
        "ACTUAL_ENCRYPTION_PASSWORD": "<actual-encryption-password>"
      }
    }
  }
}

Settings → Developer → Edit Config (claude_desktop_config.json), then restart.

{
  "servers": {
    "actual-budget": {
      "type": "stdio",
      "command": "npx",
      "args": [
        "-y",
        "actual-budget-mcp"
      ],
      "env": {
        "ACTUAL_SERVER_URL": "<actual-server-url>",
        "ACTUAL_PASSWORD": "<actual-password>",
        "ACTUAL_SESSION_TOKEN": "<actual-session-token>",
        "ACTUAL_BUDGET_ID": "<actual-budget-id>",
        "ACTUAL_ENCRYPTION_PASSWORD": "<actual-encryption-password>"
      }
    }
  }
}

Add to .vscode/mcp.json in your workspace.

{
  "mcpServers": {
    "actual-budget": {
      "command": "npx",
      "args": [
        "-y",
        "actual-budget-mcp"
      ],
      "env": {
        "ACTUAL_SERVER_URL": "<actual-server-url>",
        "ACTUAL_PASSWORD": "<actual-password>",
        "ACTUAL_SESSION_TOKEN": "<actual-session-token>",
        "ACTUAL_BUDGET_ID": "<actual-budget-id>",
        "ACTUAL_ENCRYPTION_PASSWORD": "<actual-encryption-password>"
      }
    }
  }
}

Add to ~/.codeium/windsurf/mcp_config.json.

Configuration

Variable	Required	Secret	Description
ACTUAL_SERVER_URL	yes	—	URL of your Actual Budget server, for example http://localhost:5006
ACTUAL_PASSWORD	—	yes	Password for your Actual Budget server. Not needed if you set ACTUAL_SESSION_TOKEN
ACTUAL_SESSION_TOKEN	—	yes	Session token for servers behind OIDC, which have no password. Use instead of ACTUAL_PASSWORD; if both are set, the token wins
ACTUAL_BUDGET_ID	yes	—	Your budget's Sync ID, found under Settings > Show advanced settings
ACTUAL_ENCRYPTION_PASSWORD	—	yes	Only needed if your budget file is end-to-end encrypted
ACTUAL_READ_ONLY	—	—	Set to 1 to hide every write tool from the model, exposing only reads and analysis
ACTUAL_DATA_DIR	—	—	Directory for the local budget cache
ACTUAL_HTTP_TIMEOUT_MS	—	—	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

Freshness

Active — last maintenance signal 1d ago. The newest of the signals below sets the band.

Last commit (default branch)
2026-10-08 · 1d ago · GitHub
Latest release
2026-10-08 · 1d ago · GitHub · v0.10.2
Package published
no data · npm/PyPI
Registry entry updated
2026-10-07 · 3d ago · official registry · v0.10.1

FAQ

›How do I install the Actual Budget MCP server in Claude Code?

Run: claude mcp add actual-budget -e ACTUAL_SERVER_URL='<actual-server-url>' -e ACTUAL_PASSWORD='<actual-password>' -e ACTUAL_SESSION_TOKEN='<actual-session-token>' -e ACTUAL_BUDGET_ID='<actual-budget-id>' -e ACTUAL_ENCRYPTION_PASSWORD='<actual-encryption-password>' -- npx -y actual-budget-mcp. For Cursor, VS Code, Claude Desktop and Windsurf, use the install tabs above.

›Does Actual Budget require an API key?

Yes. It expects ACTUAL_SERVER_URL, ACTUAL_BUDGET_ID, ACTUAL_PASSWORD, ACTUAL_SESSION_TOKEN, ACTUAL_ENCRYPTION_PASSWORD, of which 3 are secrets.

›Can I use Actual Budget as a remote (hosted) MCP server?

No hosted endpoint is published; it runs locally over stdio.

›Is Actual Budget in the official MCP registry?

Yes, as io.github.henfrydls/actual-budget-mcp.