# Truenote > Your finances, readable by any AI. Your bank, card, loan and investment accounts, plus the context an account can't tell, in one place you own. Claude, ChatGPT, Claude Code or your own scripts read it over MCP and an API, each with a grant you can see and revoke. Read-only to your banks: Truenote never moves money. - MCP server (Streamable HTTP, OAuth 2.1): https://app.usetruenote.com/mcp - REST API: https://app.usetruenote.com/v1 (OpenAPI: https://app.usetruenote.com/v1/openapi.json) - App: https://app.usetruenote.com. Price: $12/month or $100/year, 14-day free trial. - Every page here is also Markdown: add `.md` to its path, or request it with `Accept: text/markdown`. The whole site in one file: https://usetruenote.com/llms-full.txt ## Truenote - [Truenote](https://usetruenote.com/index.md): Your finances, readable by any AI. Your accounts and the context behind them, in one place you own, for whatever AI you bring. Read-only to your banks. - [How it works](https://usetruenote.com/how-it-works.md): Connect your accounts through Plaid, add the context an account can't tell, connect Claude, ChatGPT, Claude Code or a script over MCP and an API, and read every call's receipt. - [Pricing](https://usetruenote.com/pricing.md): One plan with everything in it: $12 a month or $100 a year, 14 days free. Bank connections, the spending plan, buckets, taxes, MCP and the API included. - [Security](https://usetruenote.com/security.md): What Truenote keeps, how it's protected, and what agents can do: read-only to banks, sealed Plaid tokens, per-agent grants, an append-only audit log, row-level security, and an honest list of known gaps. - [About](https://usetruenote.com/about.md): Truenote was built by Zachery Gentry in Texas for one household first, his own. Why it exists, what it believes, and who's behind it. ## Connect - [Connect Claude to your bank accounts with Truenote](https://usetruenote.com/connect/claude.md): Add Truenote as a custom connector in claude.ai, approve what Claude may see, and ask about your money in the Claude apps. - [Connect ChatGPT to your bank accounts with Truenote](https://usetruenote.com/connect/chatgpt.md): Add Truenote as an app in ChatGPT's developer mode, approve what it may see, and ask about your money with your own context behind it. - [Connect Claude Code to Truenote](https://usetruenote.com/connect/claude-code.md): One command adds Truenote as an MCP server in Claude Code, so it can read your finances from the terminal. - [Build on your own data with the Truenote API](https://usetruenote.com/connect/api.md): A personal access token and an OpenAPI spec. Read your accounts, transactions, the plan, buckets and the tax projection from any script, with the same scopes and receipts as an agent. ## Docs - [Getting started](https://usetruenote.com/docs/getting-started.md): From sign-up to an agent reading your money: connect accounts, add context, connect Claude or ChatGPT, read the receipts. - [Auth, scopes and exclusions](https://usetruenote.com/docs/auth-and-scopes.md): How an agent or script authenticates (OAuth 2.1 or a personal access token), what each scope allows, and how exclusions hide accounts and businesses in every query. - [Prompts that work well](https://usetruenote.com/docs/prompts.md): Questions the tools answer well, from the overview to the tax projection, and the ones that write. - [Uploading documents](https://usetruenote.com/docs/uploads.md): How a paystub, W-2 or statement gets into Truenote from an agent or a script without the file passing through the model. - [MCP tools](https://usetruenote.com/docs/mcp-tools.md): Every tool Truenote's MCP server offers, with its scopes and arguments, from the server's own definitions. - [API reference](https://usetruenote.com/docs/api.md): Every /v1 route, from the OpenAPI spec the server generates. - [Data conventions](https://usetruenote.com/docs/conventions.md): Money, dates, signs, ids, paging and errors, the same everywhere in the API and the tools. - [Export and deletion](https://usetruenote.com/docs/export.md): Take everything out as JSON or CSV at any time, and what deleting the account does. ## Guides - [Can I connect my bank accounts to ChatGPT?](https://usetruenote.com/guides/connect-bank-accounts-to-chatgpt.md): Yes, two ways: ChatGPT's own bank connection, which keeps what it learns inside ChatGPT, or a connector like Truenote that holds your accounts and context in one place any AI can read. - [Is it safe to connect your finances to an AI?](https://usetruenote.com/guides/is-it-safe-to-connect-finances-to-ai.md): What actually happens to your bank login, your transactions and your context when you connect Claude or ChatGPT, what can go wrong, and what a careful setup looks like. - [Claude vs ChatGPT for personal finance](https://usetruenote.com/guides/claude-vs-chatgpt-for-personal-finance.md): Where each is strong, what they can and can't see of your money, and why the better answer may be giving both the same data. - [Budgeting with buckets instead of categories](https://usetruenote.com/guides/buckets-instead-of-budgets.md): Why fitting every transaction into a category budget rarely sticks, and how savings buckets on one account, with a plan for regular take-home, do the same job with less friction. - [How much to set aside for taxes when you're self-employed](https://usetruenote.com/guides/self-employed-tax-set-aside.md): A rule of thumb (25 to 35 percent of 1099 income), why it's rough, and how a yearly projection from your real figures replaces it, including the trick of raising W-2 withholding instead of paying quarterlies. - [An AI budgeting app that isn't a chatbot](https://usetruenote.com/guides/ai-budgeting-app.md): What to look for in an AI budgeting app in 2026: who holds the data, whether the AI is swappable, what it can write, and whether you can see what it did. - [A personal finance API for your own scripts](https://usetruenote.com/guides/personal-finance-api.md): 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. - [Mint, YNAB, Monarch and Copilot: where Truenote fits](https://usetruenote.com/guides/mint-ynab-monarch-copilot-alternative.md): An honest comparison for people choosing after Mint: what each app does well, what Truenote does differently (buckets, context, bring-your-own AI, an API), and who should pick which. - [What MCP means for your money](https://usetruenote.com/guides/what-is-mcp-for-your-money.md): The Model Context Protocol in plain words, how Claude and ChatGPT use it to reach your data, and what a good financial MCP server should and shouldn't let an agent do. ## Legal - [Terms of service](https://usetruenote.com/legal/terms.md): The agreement between you and Zachery Gentry LLC for using Truenote. - [Privacy policy](https://usetruenote.com/legal/privacy.md): What Truenote collects, why, who else touches it, how long it's kept, and how to take it out. - [Not advice](https://usetruenote.com/legal/not-advice.md): Truenote reports and projects. It is not tax, legal, investment or financial advice.