Actual Budget runs on your own machine — the client starts it, so there is no endpoint to ping. 384 installs a week from npm. Last commit 17 Sep 2026.
Spending analysis and safe writes for Actual Budget: every delete previews and asks first.
Today is the operative word: we check Actual Budget every 15 minutes and re-read its code on every release. Watch it and you find out the day that stops being true.
This server runs on your own machine — install it with the package manager and the client starts it for you. Package name taken from the official registry entry.
claude mcp add actual-budget-mcp -- npx -y actual-budget-mcp
{
"mcpServers": {
"actual-budget-mcp": {
"args": [
"-y",
"actual-budget-mcp"
],
"command": "npx"
}
}
}
[mcp_servers.actual-budget-mcp]
command = "npx"
args = ["-y", "actual-budget-mcp"]
{
"mcpServers": {
"actual-budget-mcp": {
"args": [
"-y",
"actual-budget-mcp"
],
"command": "npx"
}
}
}
{
"mcpServers": {
"actual-budget-mcp": {
"args": [
"-y",
"actual-budget-mcp"
],
"command": "npx"
}
}
}
This one needs environment variables set before it will start:
ACTUAL_SERVER_URL (URL of your Actual Budget server, for example http://localhost:5006), ACTUAL_PASSWORD (Password for your Actual Budget server. Not needed if you set ACTUAL_SESSION_TOKEN), ACTUAL_SESSION_TOKEN (Session token for servers behind OIDC, which have no password. Use instead of ACTUAL_PASSWORD; if both are set, the token wins), ACTUAL_BUDGET_ID (Your budget's Sync ID, found under Settings > Show advanced settings), ACTUAL_ENCRYPTION_PASSWORD (Only needed if your budget file is end-to-end encrypted), ACTUAL_READ_ONLY (Set to 1 to hide every write tool from the model, exposing only reads and analysis), ACTUAL_DATA_DIR (Directory for the local budget cache).
The author declared them in the registry entry; get the values from the project itself.
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Answers built from our own checks of this server.