# Actual Budget

> Use this tool when you need to analyze your personal financial data and track spending patterns through natural language interactions with AI assistants. It solves problems of manual budget tracking and provides insights into transactions, spending breakdowns, and account balance history. The tool takes in natural language queries and outputs detailed financial reports and summaries, making it ideal for users seeking to streamline their budget analysis and gain valuable financial insights.

Canonical page: https://skillsregistry.net/skills/actual-budget  
JSON: https://api.skillsregistry.net/v1/skills/actual-budget

## Description

MCP server for Actual Budget that exposes personal financial data through natural language interactions with AI assistants. Built with TypeScript and the official Actual Budget API, it provides tools for retrieving transactions with filtering, generating spending breakdowns by category, calculating monthly summaries with savings rates, and viewing account balance history over time. The implementation follows a modular architecture with separate core utilities for data fetching, transaction aggregation, and report generation, making it valuable for users who want to analyze their budgets, track spending patterns, and get financial insights without manually navigating the Actual Budget interface.

## Trust

- **Trust score (0–1):** 0.64
- **Verification tier:** scanned
- **Last scanned:** 2026-09-02

## Facts

- **Version:** 1.0.0
- **Skill type:** atomic
- **Execution layer:** mcp-remote
- **Runtime environment:** api
- **Category:** other
- **Updated:** 2026-09-02

## Source

- **Source listing:** [PulseMCP](https://www.pulsemcp.com/servers/actual-budget)
- **Repository:** <https://github.com/s-stefanov/actual-mcp>

## Use it

Resolve this record through the SkillsRegistry MCP server (no auth, read-only):

```
claude mcp add --transport http --scope user skillsregistry https://api.skillsregistry.net/mcp
```

```json
{
  "jsonrpc": "2.0",
  "id": 1,
  "method": "tools/call",
  "params": {
    "name": "get_skill",
    "arguments": {
      "slug": "actual-budget"
    }
  }
}
```

REST: `GET https://api.skillsregistry.net/v1/skills/actual-budget` · pull for local use: `GET https://api.skillsregistry.net/v1/skills/actual-budget/pull`

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SkillsRegistry indexes agent skills from public registries and GitHub. Skills we have analysed are scanned with Circle-IR and scored on six dimensions; each listing states its scan coverage. More: https://skillsregistry.net/llms.txt