OpenBudget

What is OpenBudget

OpenBudget is a service that connects your bank accounts to AI assistants like Claude and ChatGPT, as well as spreadsheet tools like Google Sheets and Excel. It automatically syncs your transactions, balances, and spending data, allowing you to ask questions about your money in natural language and get real answers.

How to use OpenBudget

1. Sign up for a free trial on the OpenBudget website.
2. Connect your bank accounts securely using Plaid, which supports over 10,000 banks and cards.
3. Connect your AI (Claude, ChatGPT, or other MCP clients) or spreadsheet (Google Sheets or Excel) to OpenBudget.
4. Ask questions about your spending, budgets, and balances in your own words, or let your transactions flow into your spreadsheet automatically.
5. Set up automations for recurring tasks like daily spending summaries or weekly bill checks.

Features of OpenBudget

• AI Integration: Connect to Claude, ChatGPT, or any MCP client to ask about your finances.
• Spreadsheet Sync: Automatically sync transactions to Google Sheets and Excel, eliminating CSV exports.
• Automatic Categorization: Transactions are auto-categorized, with user-defined rules for consistency.
• Investment Tracking: See stocks, retirement accounts, real estate, dividends, and trades in one place.
• Card and Loan Tracking: Monitor balances, APRs, due dates, and payoff options.
• Split Charges: AI can split mixed purchases into the right budget categories.
• Bank-Grade Security: Credentials stay with Plaid, and OpenBudget cannot move money.

Use Cases of OpenBudget

• Personal Budgeting: Ask your AI "How much did I spend on dining out last month?" and get an instant answer.
• Automated Reporting: Set up daily or weekly summaries of your spending sent to your AI.
• Investment Monitoring: Track your portfolio and ask about dividends or asset allocation.
• Bill Management: Get reminders about upcoming bills and due dates.
• Spreadsheet Analysis: Keep your budget spreadsheet updated automatically with your latest transactions.

Pricing

OpenBudget offers a 7-day free trial. After that, you can choose:

• Monthly plan: $9.95 per month, billed monthly.
• Annual plan: $5 per month, billed annually (total $60 per year).

FAQ

Is my bank information secure? Yes. Your bank credentials are handled by Plaid, and OpenBudget has read-only access, so it cannot move money.

Which banks are supported? OpenBudget supports over 10,000 US banks and cards through Plaid.

Can I use OpenBudget with Google Sheets or Excel? Yes, you can sync your transactions to either spreadsheet application automatically.

Does OpenBudget support investments? Yes, you can track stocks, retirement accounts, real estate, and other assets.

Can I set up recurring tasks? Yes, you can use ChatGPT or Claude to run scheduled check-ins, such as morning spending summaries or weekly bill checks.