Open source AI agent for personal finance

Runs on your machine, you own the data

Log spending, import bank statements and receipts, ask questions about your money. Works with any LLM, including local ones.

Download for macOS Star us on GitHub

chase-aug.pdfPDF · 312 KB

amex-aug.csvCSV · 41 KB

fidelity-aug.pdfPDF · 188 KB

Import my August statements

Worked for 14sWorking

Extract Text
Add Transactions
Add Balance Assertions
Add Prices
Commit

Imported 61 transactions from three statements. Balances match, and your Fidelity investments are up to date as of August 31.

Three things I noticed:

Your $412 Delta refund came through. I linked it to the original transaction, as you asked.
Netflix charged $17.99, up from $15.49 last month.
I don't see August rent in these statements. You usually pay it by the end of the month.

What's my net worth now?

Worked for 3sWorking

Query Ledger

$84,310, up $1,240 since July. Investments gained $1,620, cash and cards slipped a little:

Account	Balance	Change
Cash	$12,450	-$310
Investments	$73,600	+$1,620
Credit cards	-$1,740	-$70

chase-aug.pdfPDF · 312 KB

amex-aug.csvCSV · 41 KB

fidelity-aug.pdfPDF · 188 KB

Write a message...

Import my August statements

What's my net worth now?

Opus 5

Some things you can ask the agent

Import my bank statement
Ask me a few questions to get to know me
Where did most of my money go last month?
Which payees do I spend the most with?
How much do I have in each currency?
Check my ledger for duplicates and mistakes
Attach a receipt to a transaction
Set up my household and who pays for what
Undo the last change
What skills do I have and what can I do with them?

Record spending
What should I do first?
Compare this month's spending to last month
What was my biggest purchase this year?
Record a refund
Find transactions that look unusual
Update the value of my investments
Tag everything from my upcoming trip
Show the history of one transaction
How can I get more skills?

Add transactions from a receipt
Set my starting balances
Show my spending for the year by month
How much did my last trip cost?
Record a transfer between my accounts
Reconcile my current balance
Add a purchase from a receipt
Remind me to import my bank statement every month
Undo everything from my last import
Check my subscriptions for price increases

Set up my accounts
Record my income
Show my net worth over the last months
Show everything I spent on a hobby
Split my last transaction between two accounts
Import my latest bank statement
Record income I received
What do you remember about me?
Restore a transaction I deleted
What else can you do?

Add a bank account
Add a credit card
How much do I have across all my accounts?
What is coming up in the next 30 days?
Add a note to a transaction
Record today's spending
Add another account
Talk to me in my language
What changed this week?

Set my main currency
Show my net worth
How much did I earn vs spend this year?
Am I within my budget this month?
Tag transactions from my last trip
Correct my last transaction
Set a monthly budget and warn me when I get close
Warn me about unusual transactions when I import
What am I paying every month?

What can you do?
Show my last transactions
Show my income for this year
How much do I owe on my credit card?
Merge two payees that are the same business
Delete a transaction I added by mistake
Set up my recurring bills
Ask me a few questions to know me better
Which subscriptions can I cancel?

Remember my name
How much did I spend this month?
How much am I saving each month?
Show me the receipt for a purchase
Rename an account
Move a transaction to a different account
Set up my monthly salary
What did you change today?
Create a skill

01
Natural language entry
A plain sentence becomes a proper double-entry transaction in your ledger. The agent fills in the details.
New Chat
August statements Groceries at Trader Joe's August statement import London in September London trip cost Subscription audit New chat Undo last change
Transactions
Net Worth
Settings
I paid $42.50 cash for groceries at Trader Joe's yesterday
Worked for 3sWorking
Add Transactions
Commit
Recorded. $42.50 at Trader Joe's went to Expenses:Groceries, paid from Assets:Cash.
Write a message...
I paid $42.50 cash for groceries at Trader Joe's yesterday
Opus 5
02
Statement and receipt import
A PDF bank statement, a CSV export, an invoice, or a photo of a paper receipt becomes transactions in your ledger. The original file is archived in your workspace and attached to the transactions.
New Chat
August statements Groceries at Trader Joe's August statement import London in September London trip cost Subscription audit New chat Undo last change
Transactions
Net Worth
Settings
statement-aug.pdfPDF · 245 KB
Import this statement
Worked for 9sWorking
Extract Text
Add Transactions
Commit
Done. I added 23 transactions from your August statement.
statement-aug.pdfPDF · 245 KB
Write a message...
Import this statement
Opus 5
03
Memory across chats
Mention a trip, a budget, or a habit once. The agent remembers it across chats and applies it when it matters.
How memory works
New Chat
August statements Groceries at Trader Joe's August statement import London in September London trip cost Subscription audit New chat Undo last change
Transactions
Net Worth
Settings
I'm in London September 10th to 15th, tag everything from the trip
Worked for 2sWorking
Update Memory
Commit
Got it. Spending between September 10 and 15 gets trip_london, not regular bills like rent. Ask what the trip cost when you're back.
Write a message...
I'm in London September 10th to 15th, tag everything from the trip
Opus 5
04
Answers about your money
Ask in plain words and get a straight answer from your own numbers, whether it's one trip, one payee, or the whole year. Type @ to point the question at an account, a payee, or a tag.
New Chat
August statements Groceries at Trader Joe's August statement import London in September London trip cost Subscription audit New chat Undo last change
Transactions
Net Worth
Settings
What did the London trip cost?
Worked for 4sWorking
Query Ledger
Everything tagged trip_london came to $1,860 over six days. Hotels were half of it:
Account Total
Hotel $940.00
Restaurants $410.00
Transport $310.00
Other $200.00
Write a message...
What did the London trip cost?
Opus 5
05
Plugins
Plugins give the agent new skills. Install one from the marketplace, or describe a routine and the agent builds a plugin for it, ready to reuse whenever you need it.
New Chat
August statements Groceries at Trader Joe's August statement import London in September London trip cost Subscription audit New chat Undo last change
Transactions
Net Worth
Settings
accountant24-skills:subscription-audit
Worked for 10sWorking
Use Skill: accountant24-skills:subscription-audit
Query Ledger
9 subscriptions, $142 a month, $1,703 a year. Three things stand out:
Hulu went from $14.99 to $17.99 in June, 20% more, $36 a year.
Spotify and Apple Music overlap. Drop one, keep $132 a year.
Amazon Prime renews Oct 2 for $139. Four weeks to decide.
accountant24-skills:create-pluginTurns a routine the user describes into a plugin with a skill they can run again later, and updates the plugins the user created before. Use when the user asks to create a skill or a plugin, to save or remember a report or review they just asked for, or to turn something they do regularly into a repeatable command.
accountant24-skills:recurring-spendingGives you an overview of everything you pay regularly, including rent, utilities, insurance, loans, phone and internet, plus subscriptions and memberships. Groups them into bills and subscriptions, totals them per month and per year, shows what is due in the next 30 days, and flags price increases.
accountant24-skills:subscription-auditReviews your subscriptions and memberships, like streaming, apps, SaaS, gym, and news services. Shows what each costs per month and per year, when it renews, and flags price increases, duplicate services, forgotten charges, and subscriptions you likely cancelled.
Write a message...
/accountant24-skills:subscription-audit
Opus 5
06
Any LLM, fully local if you want
Sign in with your ChatGPT or Claude subscription, or use an API key from 30+ providers and over a thousand models. Or run a local model with Ollama, and nothing ever leaves your machine.
07
Full change history, easy undo
Every change is recorded automatically. Review what happened anytime, roll back a mistake, or keep a private backup. Under the hood it's a local git repo, the same system developers trust with their code.
New Chat
August statements Groceries at Trader Joe's August statement import London in September London trip cost Subscription audit New chat Undo last change
Transactions
Net Worth
Settings
Undo my last change
Worked for 3sWorking
Run Command
Validate Ledger
Commit
Reverted. The $42.50 Trader Joe's entry is out of your ledger again. Both the entry and the undo stay in the history, so nothing is lost.
Write a message...
Undo my last change
Opus 5

Double-entry bookkeeping: The method accountants use. One thing you notice right away: moving money between your own accounts never counts as spending.
Multi-currency support: Hold as many currencies as you need. Each account keeps its own, and your net worth is converted into your main currency.
Investment tracking: Stocks, funds, and crypto get their own accounts, holding the units you actually own, right next to your cash and debts. Tell the agent today's price and your net worth is the whole picture.
Works offline: Run a local model with Ollama and the whole app keeps working with no internet at all.
Your data stays yours: Everything lives in plain text files in one folder on your machine. No cloud, no account, no lock-in.
Built on a coding agent: Your books are plain text files, and careful work with files is exactly what a coding agent is good at.

Try it with last month's statement

Download, sign in with ChatGPT or Claude, and see where the money went in minutes.

Download for macOS Star us on GitHub

Account	Total
Hotel	$940.00
Restaurants	$410.00
Transport	$310.00
Other	$200.00

Open source AI agent for personal finance

Demo

Some things you can ask the agent

Features

Natural language entry

Statement and receipt import

Memory across chats

Answers about your money

Plugins

Any LLM, fully local if you want

Full change history, easy undo

More features

Try it with last month's statement