Ledgr

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

Ledgr connects to your bank accounts through Plaid, 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...

Features

• Automatic bank sync — connect 12,000+ banks via Plaid, transactions sync automatically
• 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
• 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
• BYOK AI categorization — bring your own API key (OpenAI, Anthropic, Google, or local models)
• CSV/OFX import — for accounts not supported by Plaid
• Self-hosted — Docker Compose with PostgreSQL, your data never leaves your server

Quick Start

Requires Docker and Docker Compose.

mkdir ledgr && cd ledgr
curl -O https://raw.githubusercontent.com/KenTaniguchi-R/ledgr/main/docker-compose.yml
curl -o .env https://raw.githubusercontent.com/KenTaniguchi-R/ledgr/main/.env.example

Generate your encryption key and add it to .env:

openssl rand -hex 32
# Paste the output as ENCRYPTION_KEY= in .env

Start the app:

docker compose up -d

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

Add your Plaid keys to .env to enable bank sync — see Connect Your Bank below. The app works without Plaid 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 your .env:

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

3. Restart: docker compose restart
4. 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 Your AI Agent

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

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

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 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

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

See Issues for what's being worked on.

Security

Security is critical for a finance app. If you discover a vulnerability, please do not open a public issue. Instead, see SECURITY.md for responsible disclosure instructions.

Contributing

Contributions are welcome! Please open an issue first to discuss what you'd like to change.

1. Fork the repo
2. Create your branch (git checkout -b feat/my-feature)
3. Commit your changes
4. Push and open a Pull Request

License

AGPL-3.0 — you can self-host freely. If you modify and distribute the server, you must open-source your changes.