A terminal UI for personal finance. Syncs transactions from Plaid, imports CSVs, and lets you categorize, search, tag, and analyze spending — all from the keyboard.

Features

• Plaid sync — connect bank accounts and pull transactions automatically; 15-min debounce with force-sync option
• CSV import — import statement exports from any bank with flexible column mapping
• Manual assets — track a house, car, or other asset by name and value
• Category rules — substring and regex rules that auto-categorize transactions, with optional amount filters
• Name rules — rename how transactions display, with optional amount filters
• Spending flexibility — tag categories as fixed / flexible / discretionary; view breakdown on Dashboard
• Manual edits — pin a category or display name to a specific transaction; survives re-syncs
• Ignore — soft-hide transactions from totals (transfers, reimbursements, etc.)
• Hidden categories — exclude categories like Transfer from all totals and charts
• Tags — label transactions across accounts (trips, projects, events) and view summaries by tag
• Net worth — balance history with asset/liability breakdown; view by account or by type
• Financial health — cash and liquid runway, FIRE number and progress, years to retirement with adjustable assumptions
• Dedup review — review and remove CSV transactions that duplicate Plaid imports
• Time ranges — view Dashboard by week, month, quarter, year, or all time
• Trends — month-by-month bar charts for expenses, income, net, or any category; per-range aggregation
• MCP server — Claude can read and manage your finances via the Model Context Protocol

Try it (no account needed)

fungible --demo

Spins up a fully pre-loaded instance with fake accounts, transactions, tags, and rules — completely isolated from any real data. Good for exploring all the screens before connecting a bank.

Install

Homebrew (recommended)

brew tap tomfunk/fungible
brew install fungible
fungible --setup   # first-time setup wizard
fungible

From source

Requires Node.js 22+.

npm install
npm run dev

On first run, use --setup to configure credentials:

npm run dev -- --setup

Data and config are stored at ~/.fungible/. Plaid access tokens are encrypted at rest using a key file at ~/.fungible/key — do not delete this file or you will need to re-link your bank accounts. You'll need a free Plaid developer account to sync bank transactions (sandbox tier works).

Screens

Key	Screen
1	Dashboard
2	Transactions
3	Trends
4	Net Worth
5	Tags
6	Financial Health
7	Rules
8	Accounts
q	Quit
Esc	Back / clear filter

Key bindings

Dashboard [1]

Key	Action
r	Cycle time range (Week → Month → Quarter → Year → All Time)
← →	Previous / next period
Tab	Cycle views: Categories → Flex → Account picker
↑ ↓	Select category (Categories view) or account (Account view)
Enter	Drill into transactions for selected category / account
Space	Toggle account filter (Account view)
c	Clear account filter

In Categories view, spending is broken down by category with bar charts. In Flex view, spending is grouped by flexibility tier (fixed / flexible / discretionary / untagged). In Account view, select an account to filter all dashboard data to that account.

Transactions [2]

Key	Action
↑ ↓	Navigate
← →	Previous / next month (when date filter active)
Tab	Cycle sort: Date ↓↑ → Description ↑↓ → Amount ↓↑ → Category ↑↓
/	Search by name
a	Show all transactions
u	Show uncategorized only
e	Edit: rename display name or change category
g	Tag panel: add/remove tags on selected transaction
G	Tag all visible transactions at once (use / to filter first)
x	Undo manual category override
i	Ignore / un-ignore selected transaction
d	Delete selected transaction (CSV-imported only)
Esc	Clear active filter (peels off one at a time)

Trends [3]

Key	Action
← →	Cycle views: Expenses → Income → Net → [each category]
↑ ↓	Navigate periods
r	Cycle aggregation range (Week / Month / Quarter / Year)
Enter	Drill into transactions for selected period

Net Worth [4]

Key	Action
Tab	Toggle: by account ↔ by type

Shows assets (depository, investment, manual), liabilities (credit), and net worth. History chart shows net worth trend over time.

Tags [5]

Key	Action
↑ ↓	Select tag
/	Search tags
Enter	Open tag detail (income / expenses / category breakdown)
t	View all transactions for selected tag
a	Add new tag
r	Rename selected tag
d	Delete selected tag

In tag detail, ↑ ↓ selects a category and Enter drills into transactions for that tag + category. ← → cycles to the previous/next tag.

Financial Health [6]

Displays a full financial picture across four sections:

• Snapshot — savings rate (color-coded) and estimated monthly income
• Runway — months of cash and liquid coverage at current spending
• Debt — net cash position (checking minus credit debt), months to debt-free at current savings rate (hidden if no debt)
• Retirement — net worth, FIRE number with progress bar, Coast FIRE (years until growth alone covers retirement if you stop saving now), estimated years to FIRE

Key	Action
↑ ↓	Select assumption dial
← →	Adjust selected dial value
r	Reset selected dial to default

Dials: Monthly spending (±$100, default = avg past 12 months), Monthly savings (±$100, default = avg surplus), Withdrawal rate (±0.5%, default = 4%), Growth rate (±1%, default = 7%).

Liquid assets = cash + brokerage (excludes 401k, IRA, pension).

Rules [7]

Three sections, cycle with Tab: Category Rules, Name Rules, Categories.

Category Rules / Name Rules:

Key	Action
/	Search rules
a	Add rule
e / Enter	Edit selected rule
d	Delete selected rule

Category rules support substring and regex matching with optional min/max amount filters. Name rules support the same matching plus optional amount filters.

Categories:

Key	Action
a	Add new category
r	Rename category (cascades to all transactions, rules, and hidden settings)
d	Delete category (resets affected transactions to Uncategorized)
h	Toggle hidden (hidden categories are excluded from totals)
f	Cycle flexibility tier: none → fixed → flexible → discretionary

Accounts [8]

Key	Action
Tab	Cycle views: Accounts → Add Data → Dupes
↑ ↓	Select account
e	Edit account type / subtype
n	Set or clear a nickname (shown in place of the bank-assigned name)
v	Update value (manual assets only)
r	Repair Plaid link for selected account
s	Force sync (bypasses 15-min cooldown)
l	Link a new bank account via Plaid

Add Data options: [l] link bank via Plaid, [c] import CSV, [m] add manual asset (house, car, etc.), [s] force sync.

Dupes tab shows CSV transactions that match Plaid imports. [d] deletes the selected CSV duplicate; [D] deletes all.

Scripts

# Link a new bank account via Plaid (also available from Accounts screen)
npm run link

# Import a CSV file
npm run import-csv /path/to/file.csv

# Seed default category rules
npm run seed-rules

MCP Server

Exposes your financial data to Claude via the Model Context Protocol.

npm run mcp

Available tools: spending_summary, list_transactions, edit_transaction, clear_edit, ignore_transaction, list_rules, add_rule, delete_rule, list_name_rules, add_name_rule, delete_name_rule, list_hidden_categories, toggle_hidden_category, list_accounts, sync, uncategorized_summary, list_tags, tag_summary, tag_transaction.

Add to your Claude config (~/Library/Application Support/Claude/claude_desktop_config.json):

If installed via Homebrew:

{
  "mcpServers": {
    "fungible": {
      "command": "/opt/homebrew/bin/node",
      "args": ["--experimental-sqlite", "--no-warnings", "--import", "tsx/esm", "/opt/homebrew/lib/node_modules/fungible/mcp/server.ts"]
    }
  }
}

If running from source:

{
  "mcpServers": {
    "fungible": {
      "command": "node",
      "args": ["--experimental-sqlite", "--no-warnings", "--import", "tsx/esm", "/path/to/fungible/mcp/server.ts"]
    }
  }
}