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Bring Your Own AI to Your Money: The Case for an Agentic Finance Tracker

Most financial apps stuff a generic chatbot into a sidebar. Hundo is an agentic finance tracking app built on MCP - connecting your actual ledger directly to Claude, ChatGPT, or the AI model you already use.

The Hundo teamUpdated

An agentic finance tracker connects your ledger to the AI assistant you already use instead of building its own chatbot, and Hundo does it over MCP, so Claude, ChatGPT or another MCP client can read your numbers and draft changes that are written only after you approve them. The case for bringing your own AI is that you choose the model, your analysis gets smarter the day that model does, and your money is read alongside the rest of the context your assistant already has.

Every personal finance app on the market seems to be racing to build the exact same feature: a cramped AI chat box shoved into their own sidebar.

You’re forced to use whatever model that company picked, inside the window they designed, answering questions based solely on whatever partial data they managed to scrape.

We took the exact opposite approach.

Hundo was built from the ground up as an agentic finance tracking app. Instead of building another walled-garden AI, Hundo speaks MCP (Model Context Protocol). You don’t visit a finance app to use a watered-down AI feature - you bring your full financial picture directly to the AI assistant you already rely on every single day.

What Is an Agentic Finance Tracker?Link to this section

MCP is an open standard that lets AI clients safely read from and act upon external tools and data sources. Claude and ChatGPT speak it natively, and so do the agents people run themselves - Cursor, OpenClaw, Hermes. Hundo runs an active MCP server at https://hundo.finance/mcp. If MCP is new to you, what an MCP server is explains it in plain words.

When you connect Hundo to your AI app, your entire ledger becomes something your AI model can actually reason about.

You aren't jumping back and forth between tabs or copying CSVs. You’re simply sitting in your normal ChatGPT or Claude workflow, and your net worth, cash flow, and daily spending become part of the context your AI understands.

It’s a subtle shift in architecture, but a massive leap in what you can actually do.

What Can You Ask Your AI Agent to Do?Link to this section

Because Hundo supports full human-in-the-loop agentic workflows, your AI doesn't just display static charts - it actively manages your financial operations alongside you:

  • Log expenses in natural language: "I just paid 240,000 IDR in cash for dinner." Your AI formats the transaction and drafts a ledger entry.
  • Analyze real spending trends: "How much did I spend on ride-sharing over the last 90 days? Is that trending up compared to last quarter?" It queries raw, line-item ledger records - not pre-aggregated summaries.
  • Build realistic, context-aware budgets: "Look at what I actually spent on groceries and dining out over the past 6 months and draft a realistic budget for next month."
  • Perform deep net-worth audits: "Review my net worth movement over the last two quarters. What’s driving the growth, and where am I over-exposed?"
  • Handle complex, multi-currency actions: Log trades, track peer-to-peer IOUs, or reallocate account balances.

Questions worth asking an AI about your own spending has more, with what a good answer to each must include.

Can the AI Change Your Ledger Without Asking?Link to this section

An agentic personal finance app should never operate as a black box. Nothing gets written to your Hundo ledger automatically.

When your AI wants to record or edit something, it creates a staged proposal inside your conversation. You review the details, tell it to go ahead (or tell it what to tweak), and only then is the transaction committed to your ledger with a full audit trail behind it. If you ignore a proposal, it quietly expires.

The AI does the heavy lifting. You retain total authority.

Why Will Your Existing AI App Always Beat an App’s Sidebar?Link to this section

A chat widget inside a traditional budgeting app is frozen in time. Someone in a boardroom chose a model, wrote a system prompt, and set a hard token cap on response quality.

When you use an open, agentic framework like Hundo, your setup scales automatically:

  1. You choose the model: Want to use the highest-reasoning model available for a complex tax or portfolio question? Plug it in. That’s your choice, not a line item in a software company’s profit margin.
  2. Instant upgrades: When Anthropic or OpenAI ships a smarter model next month, your financial analysis gets smarter that minute. We don't have to push a single update.
  3. Unified life context: Your AI assistant already knows your career goals, the vacation you're planning, your tax bracket, and your writing style. Your money becomes dramatically more useful when analyzed alongside your entire life context - not trapped in an isolated finance tab.

What Can Hundo Track That a Bank Feed Cannot?Link to this section

An AI agent is only as intelligent as the data it can access. This is where most AI money apps hit a wall.

Traditional budgeting tools rely entirely on bank aggregation APIs. Bank feeds are decent at pulling credit card transactions, but they're blind to everything else: cash in your drawer, physical assets, gold, crypto, foreign bank accounts, or private loans. For many people, that's where the majority of their actual net worth resides.

Hundo tracks everything:

  • Cash, bank accounts, and credit cards
  • Investments, stocks, crypto, and commodities
  • Real estate, vehicles, and illiquid assets
  • Multi-currency loans and personal IOUs
  • Seamless conversion across 160+ currencies with live conversion rates

Instead of feeding your AI agent a random stream of card charges, you hand it a structured, multi-currency, unified picture of your entire financial life.

The AI model is becoming a commodity. Your holistic financial data is not.

How to Set Up Your MCP Agentic Finance Server in 2 MinutesLink to this section

One server URL does it, and it is the same for every account:

https://hundo.finance/mcp

Nothing in that URL identifies you. Your account is attached when you sign in and approve access, which is the second half of the steps below. Settings has a copy button for it if you would rather not type it.

Claude and ChatGPTLink to this section

These two have their own walkthroughs, with screenshots of every screen:

The rest of this section covers the clients that do not have a page of their own yet.

OpenClawLink to this section

OpenClaw keeps its own registry of MCP servers and projects them into every agent run, so you add Hundo once and each of your agents can see it.

The whole thing is one command:

openclaw mcp add hundo \
  --url https://hundo.finance/mcp \
  --transport streamable-http \
  --auth oauth

Leave --oauth-scope off. Hundo advertises the standard OpenID scopes and nothing else, so any other scope name comes back as invalid_scope.

Then sign in:

openclaw mcp login hundo

OpenClaw opens a loopback listener and prints an authorization URL. Open it, and you land on the same Hundo approval screen pictured in the Claude walkthrough. Click Approve and the token exchange finishes on its own when the callback arrives.

If the browser runs on a different machine than OpenClaw, the loopback address is unreachable, so copy the code you are given back to the terminal instead:

openclaw mcp login hundo --code <code>

Now prove it answers:

openclaw mcp doctor hundo --probe

Saving a definition proves nothing about reachability. --probe opens a live connection and reports the tools Hundo advertises.

Settings → MCP → Add server in the Control UI does the same job, but only takes the name, transport and URL, so you still set auth to oauth in the scoped config editor below it and run the login yourself.

HermesLink to this section

Hermes reads MCP servers from ~/.hermes/config.yaml. Add Hundo under mcp_servers:

mcp_servers:
  hundo:
    url: "https://hundo.finance/mcp"
    auth: oauth

That is the entire entry. auth: oauth hands the rest to Hermes: discovery, client identification, PKCE, token exchange and refresh are all automatic. Hermes identifies itself with a Client ID Metadata Document where the server publishes one and falls back to Dynamic Client Registration where it does not. Hundo does not advertise CIMD, so Hermes registers itself dynamically.

Then sign in:

hermes mcp login hundo

Hermes prints an authorize URL, opens your browser where it can, and waits on a local loopback port. Approve on Hundo's screen and the tokens are cached at ~/.hermes/mcp-tokens/hundo.json.

Run that login in a fresh terminal, not in one already running a Hermes session. A running session reloads MCP connections itself when config.yaml changes and gives up after 30 seconds, which is not long enough to finish a sign-in in a browser. hermes mcp login waits five minutes.

Inside a session, /reload-mcp picks up the new tools without a restart.

If Hermes runs on a remote host whose loopback port your browser cannot reach, set oauth.redirect_uri to a public HTTPS endpoint that forwards to that port:

mcp_servers:
  hundo:
    url: "https://hundo.finance/mcp"
    auth: oauth
    oauth:
      redirect_port: 8765
      redirect_uri: "https://oauth.example.ts.net/callback"

Any other MCP clientLink to this section

The shape is the same everywhere. Add a remote (Streamable HTTP) server pointing at https://hundo.finance/mcp, choose OAuth, let it open Hundo in a browser, and approve. There are no tokens to generate, copy or paste, and no credentials to create by hand: the client registers itself against Hundo's discovery document.

That rule is the part Hundo owns. The walkthroughs above follow each client's own documentation, so where a menu or a flag has moved since, that client's docs are the authority.

Check it workedLink to this section

Ask for something only your own ledger could answer:

Give me a detailed report of last month's finances and some suggestions, based on the data from Hundo.

If your real numbers come back, you are connected.

If it says it cannot see any Hundo tools, the server is added but not authorised, which is the step people skip. Reopen the connector and finish the sign-in and approval.

If it refuses with a message about Hundo Pro, the connection is fine and the plan is not: connecting your own AI is part of Pro, which is pay-what-you-want from $36 a year. In a command-line client that message can come out of the probe itself, such as openclaw mcp doctor hundo --probe, because Hundo checks the plan when the session starts and not only when a tool runs.

How Much Does Hundo Cost?Link to this section

Hundo has two layers. The tracker is free forever, and nothing in it is capped: unlimited accounts, assets and transactions, budgets, net worth across every currency, IOUs and reports. Pro is the assistant layer, and connecting an outside AI agent over MCP is part of it.

You set the price of Pro. A year is $36 at the minimum and $72 suggested, and anything at or above the minimum is your call. Every amount unlocks everything - there is no cheaper tier with the AI turned down, and no amount buys a feature the next person does not get. If you would rather pay monthly, that is a fixed $8, with the same features either way.

Why it works that way: good financial tools should not be out of reach because you are in a tough spot or live in a region with lower purchasing power. Servers and AI inference are not free, so Pro is not free either, but the number is yours to choose - and the contributions are what keep the tracker free for everyone.

Your money, your model, your rules. Try pointing your AI at your numbers today.

Common questionsLink to this section

What is Hundo's MCP server URL?Link to this section

Hundo's MCP server is at https://hundo.finance/mcp, and the URL is the same for every account. Your account is attached when you sign in and approve access, so there are no tokens to generate, copy or paste.

Which AI apps can connect to Hundo?Link to this section

Claude and ChatGPT speak MCP natively, and so do the agents people run themselves, such as Cursor, OpenClaw and Hermes. Any other MCP client connects by adding a remote Streamable HTTP server at https://hundo.finance/mcp and choosing OAuth.

Can an AI change my Hundo ledger without asking?Link to this section

No. When your AI wants to record or edit something, it creates a staged proposal in your conversation, and nothing is committed until you tell it to go ahead. A proposal you ignore expires.

Is connecting an AI to Hundo free?Link to this section

The Hundo tracker is free forever with nothing capped, but connecting an outside AI agent over MCP is part of Pro, which is pay-what-you-want from $36 a year with $72 suggested, or a fixed $8 a month.