Point your own AI at your own money.

Not another chat box in another sidebar

Most finance apps answer the AI question by adding their own chat panel, running a model they chose, inside a window they designed. Hundo does the opposite. Your ledger goes to the assistant you already pay for and already have open, and it becomes part of the context that assistant reasons with.

What it reads is your whole picture: every account, investment, debt and IOU, each in its own currency, and the net worth that adds them up. Ask where the money went last month, or how your net worth changed this year, and the answer comes from your own numbers.

Connect it

Every client needs the same three things: add a remote server, sign in, approve. The wording differs.

What your AI gets

11 tools that only read, 9 that only draft, and exactly one that writes.

Read. Cannot change anything.

• get_net_worthNet worth now, broken down, in your base currency.
• get_accountsEvery account and its balance.
• get_assetsHoldings with cost basis and profit or loss.
• get_budgetA month's budget: budgeted, spent, remaining.
• get_categoriesYour category list, for grouping questions.
• get_iousMoney you owe and money owed to you, by person.
• get_saved_insightsThe insights pinned to your dashboard.
• get_yesterday_summaryWhat happened yesterday, in one call.
• run_read_queryA read-only SQL query across your own data.
• run_insight_queryA structured query behind a saved insight.
• list_pending_proposalsChanges drafted but not yet confirmed.

Draft. Returns a proposal, writes nothing.

• propose_transactionDraft a new transaction.
• propose_transaction_editDraft a change to an existing one.
• propose_delete_transactionDraft a deletion, duplicates included.
• propose_transferDraft a move between two accounts.
• propose_asset_tradeDraft a buy or a sell, a new holding included.
• propose_asset_convertDraft a swap of one holding for another, even a new one.
• propose_budget_upsertDraft a new or changed budget envelope.
• propose_delete_budgetDraft removal of an envelope.
• propose_saved_insightDraft an insight to pin to the dashboard.

Commit. The only one that writes.

• confirm_proposalCommit one drafted proposal, by id, after you approve it.

Questions

Can an AI move my money or change my records on its own?

No. The change tools only draft. Each one returns a proposal and writes nothing. A separate confirm_proposal call, made after you approve it in the conversation, is the only thing that writes to your ledger, and a proposal expires if it is never confirmed.

Does Hundo need my bank login?

No. Hundo has no bank connection and never asks for banking credentials, so there are none for a connected AI to reach. Every entry is one you add, and Hundo keeps that quick: suggestions from your own history fill an entry in one tap, a statement file imports in one pass, and receipts can be photographed or forwarded by email, or your AI drafts the entry for you to confirm.

Which AI apps can connect to Hundo?

Any MCP client that supports a remote server over Streamable HTTP. That includes Claude, ChatGPT, Cursor, OpenClaw and Hermes, and anything else that speaks the Model Context Protocol.

What is the MCP server URL for Hundo?

The Hundo MCP server is at https://hundo.finance/mcp. Add it as a remote server. Authentication is OAuth 2.1, so there is no API key or token to copy and paste.

Can my AI see other people's data?

No. Every request is scoped to the account that authorised it, and the read-only query tool runs as an unprivileged database role that can reach only your own rows.

Do I need to pay to connect an AI?

Yes. The tracker itself is free forever and nothing in it is capped, but the MCP server is part of Hundo Pro. Pro is pay what you want from $36 a year, and every amount unlocks everything.

Can I stop it changing anything, and only let it read?

Yes. Settings has a read-only toggle. With it on, the change tools are not offered to your AI at all, so it never sees that writing is possible and cannot propose an edit in the first place - which is stronger than refusing the request. The read tools are unaffected, and it takes effect on your AI's next request.

How do I disconnect it?

Remove the Hundo server from your AI app, the same way you added it. The connection stops being used at once, and your data stays exactly as it was. Access also stops on its own if your Hundo Pro subscription ends.