Ledgr

Ledgr

Self-hostable personal finance app with automatic bank sync and AI agent support.

Ledgr connects to your bank accounts through Plaid or SimpleFIN, automatically syncs and categorizes transactions, and gives you budgets, investment tracking, bill detection, and financial reports — all running on your own server with your own data.

It also exposes an MCP server, so AI assistants like Claude can query your finances through natural conversation.

You: "How much did I spend on dining out last month?"

Claude: Based on your transactions, you spent $342.18 on dining out in April...

Querying your finances from Claude Code via MCP

Features

• Automatic bank sync — connect 12,000+ banks via Plaid (real-time webhook sync or scheduled polling), or via SimpleFIN if you'd rather not use a Plaid developer account
• Smart categorization — four-tier pipeline: your rules > merchant defaults > Plaid categories > AI fallback
• Budgets — set monthly budgets by category, track progress in real time
• Investment tracking — portfolio holdings, performance history, and allocation breakdowns, synced automatically from Plaid or SimpleFIN
• Recurring bill detection — automatically identifies subscriptions and recurring charges
• Financial reports — spending, income, net worth, and category trends over time
• AI agent interface (MCP) — query your finances from Claude Code, Claude Desktop, Cursor, or any MCP client
• In-app AI chat — ask questions about your finances right from the dashboard
• BYOK AI — bring your own API key (OpenAI, Anthropic, Google, or local models) for chat and categorization
• CSV/OFX/QFX import & CSV export — for accounts not supported by Plaid, and for getting your data out
• Self-hosted — Docker Compose with PostgreSQL, your data never leaves your server

Monthly budgets by category, tracked against real spending

Spending, income, cash flow, trends, and net worth reports

Quick Start

Requires Docker and Docker Compose.

curl -fsSL https://raw.githubusercontent.com/KenTaniguchi-R/ledgr/main/scripts/install.sh | sh

This creates a ledgr/ directory, downloads docker-compose.yml, and starts the app.

Prefer to see the steps first?

mkdir ledgr && cd ledgr

curl -O https://raw.githubusercontent.com/KenTaniguchi-R/ledgr/main/docker-compose.yml docker compose up -d

Visit http://localhost:4200, create an account, and start exploring.

On first boot, Ledgr generates an encryption key and session secret and stores them in the app data volume. Back up that volume (or the `/data/encryption-key` file) along with your database — losing the key means losing access to encrypted data like Plaid and SimpleFIN tokens. Prefer to manage the key yourself? Set ENCRYPTION_KEY in a .env file (see Configuration) and it takes precedence.

Add your Plaid keys to .env to enable bank sync — see Connect Your Bank below (or skip the keys and use SimpleFIN). The app works without either via CSV import.

Connect Your Bank

1. Sign up at dashboard.plaid.com and get your client_id and secret from Developers > Keys
2. Add them to a .env file next to your docker-compose.yml (start from .env.example if you don't have one):

   PLAID_CLIENT_ID=your_client_id

PLAID_SECRET=your_secret PLAID_ENV=production # or sandbox for fake data

3. Restart: `docker compose restart`

1. In the app, go to Accounts > Link Bank to connect via Plaid

Plaid's free trial plan includes 10 production connections and unlimited sandbox access. After that, the Launch plan is pay-as-you-go with no contract. Don't have Plaid keys yet? The app still works — import transactions via CSV and add Plaid later.

Connect any of 12,000+ banks through Plaid

Or connect via SimpleFIN

SimpleFIN works out of the box — no developer account or .env changes needed.

1. Get a SimpleFIN Bridge account and generate a Setup Token from your bridge provider
2. In the app, go to Accounts > Link Bank and choose the SimpleFIN option
3. Paste your Setup Token to connect

SimpleFIN has no webhooks, so accounts sync on a daily schedule (SCHEDULER_SIMPLEFIN_SYNC_CRON, see Configuration) instead of in real time. Investment holdings sync the same way as they do for Plaid.

Connect Your AI Agent

Ledgr ships with a built-in MCP server and plugin support.

First, enable the MCP endpoint in your .env and restart:

MCP_ENABLED=true

Then pick your tool:

Claude Code

/plugin marketplace add KenTaniguchi-R/ledgr

/plugin install ledgr@ledgr

Codex CLI

codex plugin marketplace add KenTaniguchi-R/ledgr

OpenCode — add to opencode.json:

{

"$schema": "https://opencode.ai/config.json", "plugin": ["ledgr"] }

OpenClaw

openclaw plugins install ledgr --marketplace KenTaniguchi-R/ledgr

Hermes

hermes plugins install KenTaniguchi-R/ledgr

Other MCP clients (Cursor, Windsurf, Cline, etc.)

Point any MCP-compatible client to your Ledgr instance:

http://localhost:4200/api/mcp

On first connection, Ledgr redirects you through an OAuth flow to authorize access.

Available Tools

Read, write, and sync tools are gated by OAuth scopes (ledgr:read, ledgr:write, ledgr:sync) that you grant during authorization.

Example prompts:

• "How much did I spend on groceries this month?"
• "Show me my budget status"
• "What recurring bills do I have?"
• "Generate a spending report for Q1"
• "Sync my accounts and show my balances"

Comparison

Updating

docker compose pull

docker compose up -d

Migrations run automatically on container startup.

Configuration

See .env.example for all options.

Development

If you're self-hosting Ledgr, use the [Quick Start](#quick-start) above. The instructions below are for contributors.

Prerequisites

• Node.js 24+
• pnpm 10+
• PostgreSQL 18 (or pnpm dev:db to start one in Docker)

Setup

git clone https://github.com/KenTaniguchi-R/ledgr.git

cd ledgr pnpm install cp .env.example .env # Fill in ENCRYPTION_KEY pnpm dev:setup # Start DB + migrate + dev server

To run the full app in Docker from source (instead of pulling the pre-built image):

docker compose -f docker-compose.yml -f docker-compose.dev.yml up -d

Commands

pnpm dev                    # Dev server (Turbopack)

pnpm test # Unit + integration tests pnpm test:e2e # Playwright E2E tests pnpm lint # ESLint pnpm typecheck # Type checking pnpm db:studio # Drizzle Studio (DB browser)

Tech Stack

Roadmap

• Plaid webhook support (real-time sync)
• AI chat assistant (in-app)
• OFX/QFX import
• SimpleFIN bank sync (Plaid alternative)
• Automatic transfer detection between accounts
• Mobile-responsive UI
• Multi-currency support
• Custom report builder
• Goal tracking (savings goals, debt payoff)
• Recurring budget t