Cosmic Budget gives Claude, ChatGPT, Hermes, OpenClaw, and compatible MCP clients secure access to your live accounts, transactions, and budgets — so you can just ask. No copy-paste, no screenshots, no stale spreadsheets.
Cosmic Budget runs a personal Model Context Protocol server tied to your account. Point a compatible MCP-capable assistant at it and your budget can become part of the conversation.
The personal MCP is available on every paid Cosmic Budget plan — there's no free-tier access, so your financial endpoint always sits behind a real account.
Generate a personal connection in Settings and paste it into your assistant's MCP configuration. It's scoped to you, and you choose read-only or read-and-edit.
“Am I over budget?” “What did I spend on groceries?” “How much is left to spend this week?” Your assistant pulls the real numbers and answers in plain language.
{
"mcpServers": {
"cosmic-budget": {
"url": "https://ai-assistant.cosmicbudget.com/u/your-key",
"transport": "http"
}
}
}Seven focused tools — four that read your finances, three that can shape your budget when you decide to trust them.
Safe, on by default. These tools can look but never touch.
Account names, types, and balances across checking, savings, credit, and investments — with card and account numbers redacted to safe masks.
Search and filter your spending history by merchant, category, or amount — with capped date ranges and result sizes so queries stay fast and bounded.
Every budget category with its limit and current progress, so your assistant can tell you exactly where you stand and what's left to spend.
Aggregated totals rolled up by category or date range — the fastest way to answer “how much did I spend on…” without paging through transactions.
Opt-in. Enable only for assistants you trust to edit your budget.
Spin up a new spending category — or hide one you no longer track — so your structure evolves through conversation instead of menus.
Create a budget for a category or update an existing limit — “bump groceries to $750 next month” becomes a single sentence.
Retire a category you've stopped using. It's hidden from your budget, while the history behind it stays intact for your records.
You stay in control. Editing tools never move money or touch your accounts — at most they reshape budget categories, and only for assistants you've explicitly trusted.
No dashboards to learn. Real questions, real answers — pulled live from your own data.
Connecting an AI assistant to your finances should make you feel safer, not exposed. The Cosmic Budget MCP is designed around least-privilege access — your assistant only gets the Cosmic Budget data exposed by the token scopes you enable.
Encrypted connections · we never sell your data · disconnect in one click.
New connections can only look. Editing tools stay dark until you deliberately turn them on for a specific assistant.
Account and card numbers are returned as safe masks like ••4821 — never the full digits.
Date ranges and result sizes are capped, so a single prompt can never sweep your entire financial history at once.
There are no tools to transfer funds, pay bills, or change bank connections. Optional write tools are limited to budget/category edits you can review.
The personal MCP is part of Cosmic Budget, not an add-on. Subscribe to any paid plan and the endpoint is yours.
mcp.cosmicbudget.com/u/your-key, to the assistant's connection settings.••4821), your transaction history within capped date ranges, and your budget categories and progress. It sees the same money you see in the app — never raw credentials, and never your full account numbers.Stop pasting screenshots into chat windows. Connect Cosmic Budget once and let your assistant answer from the real numbers.