# Budgey

> Budgeting for all — intuitive, effortless & liberating.

Budgey is a personal budgeting app available on iOS, Android, and Web. It helps people feel confident in their finances by making budgeting simple: just tell us what you spend money on and when you get paid, and we do the rest. Budgey is agent-ready: AI agents can read and manage a user's budget through Budgey's MCP server.

## For AI Agents (MCP)

Budgey exposes its full budgeting toolset to AI agents over the Model Context Protocol:

- **MCP endpoint**: `https://www.budgeyapp.com/mcp` (Streamable HTTP, stateless)
- **Auth**: `Authorization: Bearer budgey_sk_...` — users create API keys at https://www.budgeyapp.com/account/agents
- **Setup guide**: https://www.budgeyapp.com/developers (Claude Code, Claude.ai, Cursor, ChatGPT, and generic MCP clients)
- **70+ tools**: read budget summaries and spending analysis, add/update/search transactions, manage categories, goals, recurring transactions (Loops), budget periods and paychecks, review bank-sync inboxes, run budget audits, simulate scenarios, and remember user preferences — the same tools Budgey's in-app assistant (BaoBot) uses.
- Budgey is paycheck-based: money is planned per budget period (pay cycle), not per calendar month. Agents should call the `getConnectionInfo` tool first to see the active budget and period.
- **Usage limits**: tool calls are not metered (agents bring their own LLM), but the app's free-plan limits apply — transactions per month, categories per budget, budget periods, one budget. `getConnectionInfo` reports the caller's plan and limits; Budgey Unlimited removes them.

## Platforms

- **Web** (budgeyapp.com): Free to start, with everything you need to begin budgeting; access from any device.
- **iOS**: Free to download from the App Store, with a super fast native app.
- **Android**: Free to download from Google Play, with a super fast native app.

## Budgey Unlimited (Optional Subscription)

$10/month, or $100/year (two months free). Unlocks premium features:
- Bank sync (connect up to 3 banks or cards)
- AI receipt scanning
- Unlimited transactions and categories
- Reports and AI insights
- Shared budgets (invite anyone with an email)
- Vibrant and colorful themes
- Custom account types
- Unlimited budgets

## Key Features

- Simple budget setup: pick your spending categories and pay schedule
- Quick transaction entry or AI receipt scanning
- Category-level detail with Loops (recurring transactions)
- Savings goals with transaction-linked contributions
- Budget sharing with family, partners, or anyone
- BaoBot: AI-powered financial assistant that answers questions about your spending in plain English
- MCP server so external AI agents (Claude, Cursor, ChatGPT, and others) can run your budget for you

## Links

- Website: https://budgeyapp.com
- Agent & developer guide: https://budgeyapp.com/developers
- App Store: https://apps.apple.com/app/budgey-budgeting-for-all/id6503190110
- Google Play: https://play.google.com/store/apps/details?id=com.budgey.budgey
- Instagram: https://www.instagram.com/budgeyapp/
- X (Twitter): https://x.com/usebudgey
- Blog: https://budgeyapp.com/blog