Actual Budget Toolkit — Envelope budgeting that answers back

What you can ask it

Your money, in conversation.

Actual Budget is the open-source envelope app that charges no monthly fee. This toolkit makes it talk.

“How much is left in the groceries envelope this month?”

“Import this statement and merge out the duplicates.”

“Move fifty dollars from dining to fuel.”

“Where did we overspend against the plan?”

“Set up next month's envelopes the same as this one.”

Inside the toolkit

14 tools, one conversation.

Envelope checks on demand

Balances per category whenever you wonder — not just when you open the app.

Duplicate-free imports

Bank files come in clean: matching transactions merge instead of piling up twice.

Moves in one sentence

Rebalance money between envelopes without clicking through menus.

Overspend reports

A straight answer about which categories slipped and by how much.

Monthly setup

Rollover budgets and new months prepared the way you like them, on request.

Your data stays home

Everything runs against your local budget file — no cloud copy of your finances.

How it works

Three steps, about five minutes.

1

Get the toolkit

Buy once, download instantly. Lifetime updates included.

2

Connect your budget

Point it at your Actual Budget server during setup. Your budget file never leaves your machine.

3

Just ask

“Can we still afford the weekend trip this month?”

Pricing

Pay once. Use forever.

Every option includes lifetime updates and a 30-day money-back guarantee.

Single toolkit

^$29

This toolkit, personal use.
Commercial license available at $59.

Buy the toolkit

Everything

^$99

All current toolkits plus everything we release in the future. Best value.

Get everything

Category pack

^$49

All toolkits in one category:
Store, Traffic, Money or Agency.

Choose a pack

The GoHighLevel Toolkit is $39 with commercial use included. This toolkit is also part of the Money Pack at $49.

Why teams pick it

Money questions answered in the moment.

Balances travel with you

Ask what is left in groceries from the store aisle instead of reconstructing it at home.

Fixes happen when you notice

Move money between envelopes in one sentence the moment a category runs dry.

Imports stay singular

Bank statements merge into existing transactions, so nothing ever counts twice.

Real workflows

Three recipes you can run today

Statement import night

Download this month's statement from your bank.
Say: "Import this statement and merge out the duplicates."
Clean books in minutes, every transaction counted once.

Mid-month rescue

Ask: "Where did we overspend against the plan?"
Say: "Move fifty dollars from dining to fuel."
The month rebalances in one conversation instead of a weekend of guilt.

Fresh-month setup

Ask: "Set up next month's envelopes the same as this one."
Adjust the two categories that changed.
A new month stands ready in two minutes, habits intact.

Setup

The honest version.

This toolkit runs on your own machine against your Actual Budget server. Actual is open source (MIT licensed) and stores budgets locally in an SQLite database file.

Install once: npx -y mcp-gold --mcp actual
Enter your license key (GOLD_LICENSE_KEY) when asked.
Paste your Actual server URL and sync token when prompted. They stay on your computer.

Without valid credentials the toolkit refuses to run — it never touches a budget it can't verify. Imports match incoming rows against existing transactions so duplicates are merged, not created.

Frequently asked questions

Yes. The toolkit works on top of Actual Budget, the free open-source envelope app. Setting up Actual itself takes minutes and costs nothing monthly.

No. One payment of $29 and it is yours, updates included. A commercial license is available at $59. Compare that with paid budgeting apps charging yearly forever.

In your own Actual budget file, on your own server or computer. The toolkit talks to that file directly — there is no copy of your finances anywhere else.