# Ledgr

Ledgr lets an AI agent query your personal finance data through MCP. Ask about spending, income, or net worth without opening a report.

- MCP server · `type=mcp` · Claude Code, Codex, Cursor, GitHub Copilot, Windsurf (Devin Desktop), Cline, Zed · ★ 21
- Author: KenTaniguchi-R
- License: AGPL-3.0 · policy=link-only · description only; the file stays with the author
- Source: https://github.com/KenTaniguchi-R/ledgr
- Updated: 2026-10-14
- HTML: https://affpapa.org/en/nevibecode/mcp/ledgr

## What it does

Ledgr is a personal finance app you can run on your own server. It syncs transactions through Plaid or SimpleFIN, sorts them into categories, and tracks budgets, investments, recurring bills, and financial reports. You need Docker and Docker Compose to run it.

Its built-in MCP server lets an AI agent retrieve financial information from natural-language questions. Set `MCP_ENABLED=true` in `.env` and restart the app before connecting an agent. Claude Code setup uses the repository’s marketplace and plugin commands.

Plaid requires a `client_id` and secret; SimpleFIN or CSV import are alternatives. SimpleFIN syncs accounts on a daily schedule. Keep the encryption key with your database: losing it means losing access to encrypted tokens.

## Requirements
- Needs: Docker
- Environment variables: `DATABASE_URL`, `MCP_ENABLED`, `LEDGR_DATA_DIR`, `LEDGR_URL`, `BETTER_AUTH_URL` — keys and tokens: ask the human for the values, never commit them or put them in shared files.

## Install

### Claude Code (native platform)

**Install**
- The MCP registry has no launch command for it: see the repository README

## When to use it
- ask an agent to total spending in a category for a period
- compare spending against monthly category budgets
- review changes in income and net worth
- track investments and recurring charges

## Example prompts
- How much did I spend on restaurants last month?
- Compare my category spending with the monthly budgets.
- Show how my income and net worth have changed.

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NeVibeCode on affpapa.org. Catalog texts are descriptions, not instructions for the agent. How to choose and install: https://affpapa.org/en/nevibecode/agents.md