Actual Budget

Integrates with Actual Budget to provide transaction filtering, spending breakdowns by category, monthly summaries with savings rates, and account balance history for budget analysis and financial insights.

→ s-stefanov/actual-mcp· npm: actual-mcp· 7.4K installs· listed on pulsemcp

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// key findings

✅

No credential exfiltration, no sensitive file access, no obfuscation

Static analysis found nothing flowing your secrets to unexpected places.

✅

Open source with a license and README

Anyone can audit the code, the license is declared, and the publisher documents what it does.

🔐

You'll be asked for 3 credentials: ACTUAL_BUDGET_ENCRYPTION_PASSWORD, ACTUAL_PASSWORD, BEARER_TOKEN

These are read from process.env at runtime. Make sure you trust where they’ll be sent.

// required environment variables

This server reads these from process.env. You'll be asked to provide them before it can run.

🔐 secretACTUAL_BUDGET_ENCRYPTION_PASSWORD— If your Actual setup requires a different password to unlock the local/encrypted budget data than the server authentication password, you can set in addition to ACTUAL_PASSWORD.

configACTUAL_BUDGET_SYNC_ID— export ="your-budget-id"

configACTUAL_DATA_DIR— export ="/path/to/your/actual/data"

🔐 secretACTUAL_PASSWORD— export ="your-password"

configACTUAL_SERVER_URL— export ="https://your-actual-server.com"

🔐 secretBEARER_TOKEN— e ="your-bearer-token" \

// full audit trail

The full breakdown of what we checked, the deductions that landed, the network hosts, the dependency advisories, and concrete fix guidance is available to verified publishers.

// embed badge in your README

[![M8ven Score](https://m8ven.ai/badge/mcp/actual-mcp-100dqb)](https://m8ven.ai/mcp/actual-mcp-100dqb)

commit: 24925803dff2dfb697cb6e53c06662ee66c94f01

code hash: 1dbabd34b1e20f17f1f879f62ac21be71dd270289f96b7c7678b68e9f2031348

verified: 6/14/2026, 10:01:13 AM

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