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Smart Money for ChatGPT and Codex

The Smart Money plugin lets ChatGPT and Codex record transactions and answer questions about your money using the same accounts, categories and history you see in the app.

What you can ask

  • «Record 15 for a taxi yesterday from Chase»
  • «How much did I spend on food this month?»
  • «Which merchants took the most money over the last 90 days?»
  • «Post the interest on my deposits»
  • «Here are three notifications from my bank — add them»

What you need

A Smart Money account on smart-money.ink with an active subscription or free trial.

Connect in ChatGPT

  1. In ChatGPT, open the Plugins directory and find Smart Money.
  2. Until it is listed, you can add it yourself: turn on Developer mode in ChatGPT’s settings (Apps → Advanced settings), then create an app with the URL below and OAuth sign-in. Developer mode is available on the web for Plus, Pro, Business, Enterprise and Education plans.
  3. Sign in to Smart Money with Google or email and press “Allow access”.

https://smart-money.ink/mcp

Codex

codex mcp add smart-money --url https://smart-money.ink/mcp

codex mcp login smart-money

Tools

  • list_accounts — Accounts with current balances and deposit rates (reads)
  • list_transactions — Transactions for a period, with filters and search (reads)
  • summary — Income, expenses, savings rate, categories and top merchants (reads)
  • list_categories — Categories with their IDs (reads)
  • preview_entry — Shows how a phrase would be recorded, without saving (reads)
  • preview_notifications — Shows transactions parsed from bank notifications, without saving (reads)
  • preview_interest — Shows deposit interest due, without saving (reads)
  • quick_add — Records a transaction from a phrase; a new #tag is created (adds)
  • add_transaction — Records a transaction with explicit fields (adds)
  • import_notifications — Records transactions from bank notification text, skipping duplicates (adds)
  • accrue_interest — Posts deposit interest; never duplicates a period (adds)
  • create_account — Creates an account or deposit (adds)
  • update_transaction — Edits a transaction: amount, date, account, category, tags, description (changes)
  • delete_transaction — Deletes a transaction (changes)
  • update_account — Edits an account: name, type, rate, archive (changes)
  • delete_account — Deletes an account without transactions (changes)
  • create_category — Creates a category (adds)
  • update_category — Renames a category or changes its icon and colour (changes)
  • delete_category — Deletes a category no transaction uses (changes)
  • list_tags — Tags with their IDs and usage (reads)
  • create_tag — Creates a tag (adds)
  • update_tag — Renames a tag or changes its colour (changes)
  • delete_tag — Deletes a tag; it stays on past transactions (changes)
  • list_budgets — Budgets with spending, remainder and projection (reads)
  • create_budget — Creates a weekly, monthly or yearly budget (adds)
  • update_budget — Edits a budget (changes)
  • delete_budget — Deletes a budget (changes)

What it cannot do

The connector never moves money and never connects to a bank. It does not delete an account or a category that transactions still use, so history never loses its account or category. Tools that add data are marked as write tools and tools that edit or delete as destructive, so the assistant asks before using them unless you allow it.

Privacy

What the connector reads and stores is described in the privacy policy, section “Claude, ChatGPT and Codex connector”. Privacy policy

Disconnect

Remove Smart Money in ChatGPT’s plugin settings, or run “codex mcp remove smart-money” in Codex. To have the permission revoked on our side too, write to azamat.kagarman@gmail.com.

Support

Questions and problems: azamat.kagarman@gmail.com

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