Candor Finance

Stay on top of your money with your AI agent

Tell ChatGPT, Claude, or the agent you already use what you want with your money, like paying off the cards or buying a home, even if you haven't worked it out yet. With Candor, it builds the plan from your real accounts: goals with a pace, a budget that pays for them, and every charge sorted to match. Then it keeps you on it. Candor finds what's worth talking through and tells your agent why, so a goal slipping or a bill that went up comes up before it costs you.

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Add Candor to your agent

Agent	Where to get it
ChatGPT and Codex	Candor Finance in ChatGPT's directory
Claude	Candor Finance in Claude's directory
Claude Code	Install from this repo's marketplace
Gemini CLI, OpenClaw, Hermes, and others	Send your agent START.md

Your agent asks you to approve its access once, then takes its first look. Setup guides for each agent are at candor.money/connect.

What stays true

Candor never moves money. Accounts connect read-only through a bank-grade connection provider. Your agent acts outside Candor only with your okay.
Figures come from your records. Candor computes totals, budgets, and goal paces from your accounts, so your agent isn't guessing a plausible number.
You can see what your agent did and why. Every action is recorded with its reason, and your plans and decisions stay saved when you switch agents.
Your data isn't sold or used to train models. No ads. You're the customer. See Privacy.

For agents: connection materials

The official personal finance package for Candor. It gives the AI agent you already use an organized view of accounts, spending, budgets, goals, investments, notes, and the decisions you approve.

Give your agent START.md. It has the MCP connection, skill download, and supported package options. The agent uses its own harness's setup workflow and asks you only for steps it cannot complete.

MCP: https://api.candor.money/mcp, Streamable HTTP with OAuth discovery and dynamic client registration. Your harness obtains its own client ID; no shared client secret is needed.
Skill: the complete skills/candor-finance directory, including its methods and references. START also links a skill ZIP.
Supported packages: Agent Plugins 1.0.0 (plugin.json, skills/, mcp.json), Claude and Codex marketplaces (.claude-plugin/ and .codex-plugin/), and a Gemini CLI extension (gemini-extension.json). Use whichever format your harness supports, or install skill and MCP separately.

Your harness owns installation, authorization, skill locations, and reloads. Keep working installations. Once the skill and tools are available, call candor_open for MCP or run candor open for the CLI, then continue into the user's financial task. Use a private runtime or per-user account isolation before authorizing personal financial access on a shared host.

Grok Bot installs the cursor/ plugin from the Cursor Marketplace. It pairs the same MCP-based skill with the remote MCP server and is listed for Grok Bot only; .cursor-plugin/marketplace.json points the marketplace at it.

The root skill uses MCP, including for capable OpenClaw and Hermes hosts. The separate openclaw/skills/ projection uses the Candor CLI and is only for CLI installations. Keep the skill matched to the connection it operates. Candor continues to enforce sign-in, access, and financial-data permissions.

Manage your Candor account and subscription at app.candor.money. When Candor gives the agent a secure account link, it explains the required step and opens that exact page.

Release notes

See the changelog for changes by package version.