AI / MCP

Connect Your AI Agent to BudgetPH

MCP is an open standard that lets AI agents securely read your BudgetPH data in real time — no copy-pasting, no screenshots. Ask “How much did I spend on food this month?” and your AI calls the right tool automatically.

Before you start: generate your API key

Go to Account Settings → AI Agent Access tab
Click Generate New API Key and give it a label (e.g. “My Claude Desktop”)
Copy the key immediately — it is shown only once and cannot be recovered

You can create up to 5 keys and revoke them anytime from the same page.

Setup Instructions

Best for conversational finance queries

Download Claude Desktop

Download and install Claude Desktop from claude.ai/download . Sign in with your Anthropic account (free tier works).

Open your config file

Open the MCP configuration file for your operating system:

macOS

path

~/Library/Application Support/Claude/claude_desktop_config.json

Windows

path

%APPDATA%\Claude\claude_desktop_config.json

Linux

path

~/.config/Claude/claude_desktop_config.json

💡 Tip: On macOS you can open it quickly via Terminal: open ~/Library/Application\ Support/Claude/

Paste the configuration

Replace YOUR_API_KEY_HERE with the key you copied from Account → AI Agent Access.

json

{
  "mcpServers": {
    "budgetph": {
      "type": "http",
      "url": "https://budget.kindlyf.com/api/mcp",
      "headers": {
        "Authorization": "Bearer YOUR_API_KEY_HERE"
      }
    }
  }
}

ℹ️ Note: If the file already has other MCP servers, add the "budgetph" block inside the existing "mcpServers" object — don't replace the whole file.

Restart Claude Desktop

Fully quit Claude Desktop (Cmd+Q / Alt+F4) and relaunch it. You should see a 🔌 budgetph indicator in the toolbar when a new conversation starts.

Test it

Start a new chat and try:

“Summarise my finances for this month.”

💡 Tip: Claude will automatically call the right BudgetPH tools — you don't need to specify which tool to use.

Things to ask your AI

“How much did I spend on food last month?”

“Do I have any unpaid bills this month?”

“What is my current Budget Credit Score?”

“Show me my savings rate for June 2026.”

“What are my active loans and how much do I still owe?”

“Summarise my finances for May 2026.”

“Am I over budget on non-essentials this month?”

“How many days is my budget streak?”

“Which bill is most overdue?”

“What installments am I paying this month?”

Available Tools

get_monthly_summaryFull budget overview — income, expenses, savings rate for any monthFree

get_spending_breakdownNon-essential spending grouped by category with totalsFree

get_billsAll bills with paid/unpaid status and overdue flagsFree

get_budget_scoreBudget Credit Score (0–850) and component breakdownFree

get_insightsAI-generated monthly financial insightsFree

get_streakBudget streak, XP, and level progressFree

get_loansActive loans — money owed or to be repaidFree

get_installmentsActive installment commitments for the monthFree

get_paluwagan_statusPaluwagan (rotating savings) group statusFree

mark_bill_paidMark a specific bill as paidPro

add_expenseAdd a non-essential expense entry directly from your AI agentPro

Write tools (mark_bill_paid, add_expense) require a Pro or Household plan and must be enabled by the admin.

Rate Limits

requests/hour
Free

600

requests/hour
Pro

600

requests/hour
Household

🔒 Privacy & Security

Your AI agent can only access your own data— never another user's. Each API key is hashed before storage; BudgetPH cannot recover your key after it's shown to you. Keys can be revoked instantly from Account → AI Agent Access. No data is stored on any AI provider's servers — only the specific fields you query are returned.

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