Finance

A local, self-hosted personal finance dashboard with AI-powered transaction categorization. Syncs accounts and transactions via SimpleFIN Bridge, stores everything in a local SQLite database, and serves a web dashboard for spending analysis, net worth tracking, and recurring charge detection.

Features

• Daily sync — pulls balances and transactions from all linked accounts via SimpleFIN
• CSV import — import historical data from Chase, Citi, Amex, Discover, Apple Card, and more
• AI categorization — LLM pipeline (Claude) normalizes merchants, assigns categories, detects recurring charges
• Web dashboard — spending breakdowns, net worth history, account overview, transaction search
• Recurring detection — identifies subscriptions and regular charges with next-due estimates
• MCP server — expose financial data to Claude sessions for natural-language queries
• 100% local — no cloud sync, no telemetry; all data stays on your machine

Screenshots

Spending	Transactions

Recurring charges	Accounts

Prerequisites

• Python 3.11+
• A SimpleFIN Bridge account (~$15/year) — provides read-only access to your bank/card accounts
• An Anthropic API key — optional, required only for AI categorization

Setup

1. Clone and install

git clone https://github.com/your-username/finance.git
cd finance
python -m venv .venv
source .venv/bin/activate
pip install -e .

2. Configure environment

Copy the example env file and fill in your credentials:

cp .env.example .env

Edit .env:

# Required: SimpleFIN access token
# Get this by claiming your SimpleFIN Setup Token at https://beta-bridge.simplefin.org/
SIMPLEFIN_TOKEN=https://user:token@beta-bridge.simplefin.org/simplefin

# Optional: Anthropic API key for AI categorization
# Without this, transactions sync but are not auto-categorized
ANTHROPIC_API_KEY=sk-ant-...

3. Run initial sync

finance sync          # pull accounts + transactions from SimpleFIN
finance categorize    # run AI categorization (requires ANTHROPIC_API_KEY)

4. Start the web dashboard

finance web
# Open http://localhost:8000

Environment Variables

Variable	Required	Description
SIMPLEFIN_TOKEN	Yes	SimpleFIN access URL (includes credentials)
ANTHROPIC_API_KEY	No	Enables AI transaction categorization and enrichment

CSV Import

For accounts SimpleFIN can't reach (some brokerages, fintech apps), export a CSV from your institution's website and import it:

finance import --file ~/Downloads/chase-2025.csv --account "Chase Prime Visa"

Supported formats are auto-detected from column headers. Currently supports: Chase, Citi, Amex, Discover, Apple Card, Capital One.

CLI Reference

finance sync          Sync accounts and transactions from SimpleFIN
finance categorize    Run AI categorization on uncategorized transactions
finance import        Import transactions from a CSV file
finance web           Start the web dashboard (default: port 8000)
finance server        Start the MCP server (for Claude integration)

Architecture

See ARCHITECTURE.md for a detailed overview of the system design, data schema, and component structure.

Privacy

• All transaction data is stored in a local SQLite file (data/finance.db) — never uploaded anywhere
• data/ and import/ directories are gitignored
• SimpleFIN token and API keys are stored in .env (gitignored)
• When AI categorization is enabled, transaction descriptions are sent to Anthropic's API; no data is retained beyond the API call per Anthropic's policy

License

MIT — see LICENSE.