Connect Claude or ChatGPT to your budget

Bring Waypoint Budget into the assistant you already use, or any other that speaks MCP, and ask about your spending, budget, goals and accounts in plain language. It reads the answer straight from your budget. Read-only, off by default, and yours to switch off any time.

Turn it on in your profileSee the setup
Works with Claude ChatGPTand any MCP client
Waypoint Budget connected
How is my budget doing this month?
You are $84 under plan with nine days left. Groceries and Dining are the two categories over, by $62 and $41. Everything else is on track, and nothing recurring is due before month end.
What did I spend at Uber?
Five Uber rides this month, $118 in total. September is your lowest Uber month since May.

Example conversation. Answers come from your own budget.

Things you can ask

“How much did I spend on groceries this month?”“Which categories am I over budget in?”“What is due in the next two weeks?”“Which merchants did I spend the most with in August?”“How are my savings goals doing?”“How much did I spend on groceries this month?”“Which categories am I over budget in?”“What is due in the next two weeks?”“Which merchants did I spend the most with in August?”“How are my savings goals doing?”
“Summarize last month: income, expenses, and the three biggest surprises.”“Compare my dining spend to the last three months.”“What is my net worth trend this year?”“Did anything unusual show up this week?”“How much do I have left for fun money?”“Summarize last month: income, expenses, and the three biggest surprises.”“Compare my dining spend to the last three months.”“What is my net worth trend this year?”“Did anything unusual show up this week?”“How much do I have left for fun money?”

Built so you stay in control

An assistant can read your budget only while you say so, and never anything more.

Read-only

Every request can only read. There is no way for an assistant to move money, edit a transaction or change a setting.

Off by default

Nothing is shared until you turn the switch on in your profile. Turn it off and every connected assistant loses access that instant.

You approve each connection

The assistant never sees your password. You sign in on a Waypoint Budget screen and approve it, the same way you sign in to the app.

Nothing stays connected by accident

The switch turns itself off after 60 days without use, and whenever you change your password. Your profile shows when an assistant last read your budget.

What an assistant can read

Read-only, for the profile you have open in the app, and nothing beyond it.

  • Profile

    Which budget is open and your plan

  • Spending

    Totals by category and merchant

  • Budget

    Planned, spent and remaining

  • Transactions

    Individual rows, in small batches

  • Goals

    Savings and debt goals, with progress

  • Accounts

    Names, types and balances

  • Upcoming

    Recurring expenses and income, dated

  • Net worth

    Current figure and trend, on Pro

Never

  • Change, add or delete anything
  • See account or card numbers
  • See your bank sign-in details
  • Export your history in bulk
  • See balances a household member has hidden
  • Read anything while the switch is off

Setup

About two minutes. Plus and Pro plans.

First, in Waypoint Budget

  1. 1
    Open Profile, then Integrations, and turn on Connected assistants.
  2. 2
    Copy the server URL shown there: https://waypointbudget.com/api/mcp

In Claude

  1. 1
    Open Waypoint Budget in the Claude directory and choose Connect. Or in Claude open Settings, then Connectors, and search for Waypoint Budget. The server URL above still works as a custom connector if you prefer.
  2. 2
    Click Connect, sign in to Waypoint Budget, and approve access.
  3. 3
    The first time Claude reads your budget it asks once; choose Always allow and it will not ask again. Works on claude.ai, the desktop and mobile apps, and Claude Code.

In ChatGPT

  1. 1
    Open Settings, then Security and login, and turn on Developer mode.
  2. 2
    Go to Plugins, then Browse plugins, and press the + button. Name it Waypoint Budget, paste the server URL under Connection, keep Authentication on OAuth, tick the acknowledgement, and choose Create.
  3. 3
    Sign in to Waypoint Budget when asked and approve access. Developer mode is available on ChatGPT Pro, Team, Enterprise and Edu plans.

Good to know

The profile currently selected in the app. A shared household budget can only be read through its owner’s assistant, and it includes every member’s transactions, the same as in the app.
No. Money Coach lives inside the app and knows your whole history. This brings your budget into the conversations you already have elsewhere.
To the assistant you connected, and only what it asks for. What happens there is governed by that provider’s privacy policy.
Yes. Any assistant that supports remote MCP servers with OAuth can connect using the same server URL. Claude and ChatGPT are the two we test against.
Make sure the switch in your profile is on and your plan is Plus or Pro, then remove and re-add the connector in the assistant.

Ready when you are

Turn it on in your profile, add the connector, and ask your first question.

Open your profile

Full details are in the Connected AI Assistants section of our privacy policy. Still stuck? Contact us.