Can I use Plaid directly for my own finances?

You can apply for a Plaid developer account, but you'd be building the sync, storage, categorization and security yourself. Truenote gives you the synced, categorized, context-rich data over an API, with the connections already maintained.

Does the API cost extra?

No. It's part of the one plan and never a higher tier.

A personal finance API for your own scripts

Read your accounts, transactions, the plan, buckets and the tax projection from a script with a bearer token and an OpenAPI spec, with the same scopes and receipts as an AI agent.

Spreadsheet people, home-lab people, people who want a Sunday script that posts “here’s where we stand” to a family chat: Truenote’s API is for you, and it’s the same door the AI agents use.

One token

Connected agents → New access token. Pick the scopes (accounts, transactions, investments, liabilities, context, documents), a lifetime from 7 to 365 days, and which accounts or businesses the token must never see. It’s shown once.

curl https://app.usetruenote.com/v1/overview \
  -H "Authorization: Bearer tn_pat_…"

What you can read

/v1/overview: net worth, cash, this month, the plan at a glance, bills due, goals, the next estimated payment.
/v1/accounts, /v1/transactions (filters and keyset paging), /v1/spending (by category, merchant, entity or month), /v1/recurring, /v1/net-worth-history.
/v1/holdings, /v1/investment-transactions, /v1/liabilities.
/v1/context (profile, entities, income sources, goals, notes), /v1/plan, /v1/plan/actuals, /v1/buckets, /v1/review-items, /v1/tasks.
/v1/taxes/projection.
/v1/documents (and POST to upload a paystub), /v1/export (everything).

The spec is at https://app.usetruenote.com/v1/openapi.json; the API reference is drawn from it. Money is integer cents, days are YYYY-MM-DD, transaction amounts keep Plaid’s sign (positive is money out). 240 requests a minute per token. Changes are additive, deprecations announced in the changelog.

Receipts

Every request a token makes is in the Activity log next to the agents’ calls. Revoke the token there.

Example: a weekly note

#!/bin/sh
# Where we stand, every Monday.
TOKEN="tn_pat_…"
curl -s https://app.usetruenote.com/v1/overview \
  -H "Authorization: Bearer $TOKEN" \
  | jq -r '"Net worth \(.netWorth.totalCents/100 | floor), cash \(.cash.totalCents/100 | floor), left of take-home this month \(.plan.leftCents/100 | floor)"'

(Field names as in the spec; check the reference for the exact shapes.)

Planned next, in the changelog when they land: a changes feed (updatedSince) so a script keeps a sheet in step without re-reading everything, REST writes for everything MCP can write, and signed webhooks.

Questions

Can I use Plaid directly for my own finances?: You can apply for a Plaid developer account, but you'd be building the sync, storage, categorization and security yourself. Truenote gives you the synced, categorized, context-rich data over an API, with the connections already maintained.
Does the API cost extra?: No. It's part of the one plan and never a higher tier.