Applications › Personal Finance & Budgeting

Personal Finance & Budgeting

What 7 leading Personal Finance & Budgeting apps are built on: the providers each one ships in its code or lists as an integration, grouped by layer and capability, and joined to the catalog.

7 reference apps 45 providers 41 observed in code 4 declared only 97.8% in the catalog 53.2 mean Kin Score 21 with a verified MCP server

How to read this. observed the integration ships in the app (SDK in a dependency file, source code, or an Android build analysis). declared the app names the integration itself (README, integrations page, store listing). Every row links the source it was read from. Providers not yet in the catalog are marked queued for profiling. Blueprint by API Evangelist, CC BY-NC-SA 4.0. Capabilities marked Turbo EA come from Turbo EA Capabilities by Vincent Verdet, CC BY 4.0 (notice); those marked API Evangelist extension are CC BY-NC-SA 4.0. Android build analyses: Exodus Privacy (reports.exodus-privacy.eu.org).

domain layer 3 capabilities

Consumer Data Access 11 providers · AE-190.50 · API Evangelist extension

Consumer Data Access capability

Provider	Evidence	Apps	Kin Score	Agent readiness	MCP
Plaid	observed [1] [2]	Maybe, YNAB	84.6 exemplar	52.1 agent-native	verified
Akahu	observed [1] [2]	Actual Budget, Firefly III	53.5 developing	33.8 agent-ready	none found
Enable Banking	observed [1] [2]	Actual Budget, Firefly III	39.9 developing	26.5 agent-aware	none found
SimpleFIN Bridge	observed [1] [2]	Actual Budget, Firefly III	16.1 emerging	2.9 human-only	—
GoCardless Bank Account Data	observed [1] [2]	Actual Budget, Firefly III	5.1 minimal	0.0 human-only	verified
Pluggy	observed [1]	Actual Budget	73.4 exemplar	59.4 agent-ready	verified
Lunch Flow	observed [1]	Firefly III	41.4 developing	38.4 agent-ready	—
Sophtron	observed [1]	Firefly III	25.1 emerging	0.0 human-only	—
MX	declared [1]	YNAB	64.9 strong	26.7 agent-aware	none found
Apple (Apple Wallet)	declared [1]	YNAB	55.2 strong	31.9 agent-ready	none found
Salt Edge	declared [1]	Wallet by BudgetBakers	25.3 emerging	22.4 agent-aware	none found

Securities Market Data 9 providers · AE-230.20.20 · API Evangelist extension

Provider	Evidence	Apps	Kin Score	Agent readiness	MCP
Financial Modeling Prep	observed [1]	Ghostfolio	63.3 strong	38.6 agent-ready	none found
EODHD	observed [1]	Ghostfolio	62.2 strong	58.3 agent-ready	verified
Google Sheets	observed [1]	Ghostfolio	57.0 strong	33.0 agent-ready	none found
Alpha Vantage	observed [1]	Ghostfolio	54.4 strong	51.4 agent-ready	verified
CoinGecko	observed [1]	Ghostfolio	52.0 developing	46.2 agent-ready	verified
Yahoo Finance	observed [1]	Ghostfolio	41.4 developing	16.2 agent-aware	none found
RapidAPI	observed [1]	Ghostfolio	40.4 developing	33.2 agent-ready	none found
OpenFIGI	observed [1]	Ghostfolio	31.5 thin	26.4 agent-aware	none found
Trackinsight	observed [1]	Ghostfolio	2.0 minimal	0.0 human-only	none found

Exchange Rates 1 providers · AE-230.20.10 · API Evangelist extension

Provider	Evidence	Apps	Kin Score	Agent readiness	MCP
Synth Finance queued for profiling	observed [1]	Maybe	—	—	—

common layer 16 capabilities

Product Usage Analytics 5 providers · BC-4280.30 · Turbo EA

Product Usage Analytics capability

Provider	Evidence	Apps	Kin Score	Agent readiness	MCP
Firebase	observed [1] [2] [3]	Monarch Money, Wallet by BudgetBakers, YNAB	50.3 developing	14.2 agent-aware	verified
Amplitude	observed [1] [2]	Monarch Money, YNAB	63.5 strong	56.7 agent-ready	verified
Mixpanel	observed [1]	Wallet by BudgetBakers	60.3 strong	48.3 agent-ready	verified
Segment	observed [1]	Monarch Money	43.8 developing	26.8 agent-aware	none found
FullStory	observed [1]	Monarch Money	37.1 thin	30.6 agent-ready	documented

Observability Management 4 providers · BC-4220.20 · Turbo EA

Observability Management capability

Provider	Evidence	Apps	Kin Score	Agent readiness	MCP
Sentry	observed [1] [2]	Maybe, Monarch Money	80.6 exemplar	50.2 agent-ready	verified
Bugsnag	observed [1]	YNAB	78.5 exemplar	53.1 agent-ready	verified
Better Stack	observed [1]	Maybe	68.5 exemplar	58.0 agent-ready	documented
Skylight	observed [1]	Maybe	25.6 emerging	0.0 human-only	—

Social & Federated Login 2 providers · AE-160.10.30 · API Evangelist extension

Provider	Evidence	Apps	Kin Score	Agent readiness	MCP
Facebook	observed [1] [2]	Monarch Money, Wallet by BudgetBakers	42.7 developing	28.2 agent-aware	none found
Google sign-in	observed [1]	Ghostfolio	36.8 thin	19.6 agent-aware	none found

Payment Processing Management 1 providers · BC-1340.20 · Turbo EA

Payment Processing Management capability

Provider	Evidence	Apps	Kin Score	Agent readiness	MCP
Stripe	observed [1] [2]	Ghostfolio, Maybe	82.7 exemplar	58.5 agent-native	verified

Application Communications 1 providers · AE-150 · API Evangelist extension

Application Communications capability

Provider	Evidence	Apps	Kin Score	Agent readiness	MCP
Slack	observed [1]	Firefly III	73.2 exemplar	38.7 agent-ready	verified

Asset Storage & Tiering 1 providers · BC-3710.30 · Turbo EA

Asset Storage & Tiering capability

Provider	Evidence	Apps	Kin Score	Agent readiness	MCP
Amazon S3	observed [1]	Maybe	70.8 exemplar	23.3 agent-aware	verified

Customer Lifecycle Engagement 1 providers · BC-4260.40 · Turbo EA

Customer Lifecycle Engagement capability

Provider	Evidence	Apps	Kin Score	Agent readiness	MCP
MoEngage	observed [1]	Wallet by BudgetBakers	66.8 exemplar	66.2 agent-native	none found

Customer Service Management 1 providers · BC-430 · Turbo EA

Customer Service Management capability

Provider	Evidence	Apps	Kin Score	Agent readiness	MCP
Intercom	observed [1]	Maybe	52.9 developing	31.7 agent-ready	verified

Digital Marketing Management 1 providers · BC-400.60 · Turbo EA

Digital Marketing Management capability

Provider	Evidence	Apps	Kin Score	Agent readiness	MCP
Singular	observed [1]	Monarch Money	67.4 exemplar	50.0 agent-ready	none found

Hosted LLM Inference 1 providers · AE-110.10.10 · API Evangelist extension

Provider	Evidence	Apps	Kin Score	Agent readiness	MCP
OpenAI	observed [1]	Maybe	83.0 exemplar	58.4 agent-native	verified

Model Routing & Gateways 1 providers · AE-110.10.30 · API Evangelist extension

Provider	Evidence	Apps	Kin Score	Agent readiness	MCP
OpenRouter	observed [1]	Ghostfolio	53.5 developing	46.9 agent-ready	verified

Push Notifications 1 providers · AE-150.30 · API Evangelist extension

Push Notifications capability

Provider	Evidence	Apps	Kin Score	Agent readiness	MCP
Pushover	observed [1]	Firefly III	27.5 thin	22.0 agent-aware	none found

Social Media Management 1 providers · BC-400.60.40 · Turbo EA

Provider	Evidence	Apps	Kin Score	Agent readiness	MCP
X (Twitter)	observed [1]	Ghostfolio	73.0 exemplar	61.2 agent-native	verified

Software Release & Deployment Management 1 providers · BC-4210 · Turbo EA

Software Release & Deployment Management capability

Provider	Evidence	Apps	Kin Score	Agent readiness	MCP
GitHub	observed [1]	Maybe	81.8 exemplar	63.4 agent-ready	verified

Transactional Email 1 providers · AE-150.10.10 · API Evangelist extension

Provider	Evidence	Apps	Kin Score	Agent readiness	MCP
MailerSend	observed [1]	Firefly III	57.9 strong	56.3 agent-ready	verified

Workflow Automation & iPaaS 1 providers · AE-910 · API Evangelist extension

Provider	Evidence	Apps	Kin Score	Agent readiness	MCP
Zapier	declared [1]	YNAB	73.7 exemplar	66.2 agent-ready	verified

Reference apps

Actual Budget self-hosted

https://github.com/actualbudget/actual

5 observed · 0 declared

observed ships the Akahu SDK or integration code source
observed ships the Enable Banking SDK or integration code source
observed ships the GoCardless Bank Account Data SDK or integration code source
observed ships the Pluggy SDK or integration code source
observed ships the SimpleFIN Bridge SDK or integration code source

Read from: dependency manifest, documentation, source code

Firefly III self-hosted

https://github.com/firefly-iii/firefly-iii

9 observed · 0 declared

observed ships the Akahu SDK or integration code source
observed ships the Enable Banking SDK or integration code source
observed ships the GoCardless Bank Account Data SDK or integration code source
observed ships the Lunch Flow SDK or integration code source
observed ships the MailerSend SDK or integration code source
observed ships the Pushover SDK or integration code source
observed ships the SimpleFIN Bridge SDK or integration code source
observed ships the Slack SDK or integration code source
observed ships the Sophtron SDK or integration code source

Read from: dependency manifest, source code, source code

Maybe open-source-saas

https://github.com/maybe-finance/maybe

10 observed · 0 declared

observed ships the Amazon S3 SDK or integration code source
observed ships the Better Stack SDK or integration code source
observed ships the GitHub SDK or integration code source
observed ships the Intercom SDK or integration code source
observed ships the OpenAI SDK or integration code source
observed ships the Plaid SDK or integration code source
observed ships the Sentry SDK or integration code source
observed ships the Skylight SDK or integration code source
observed ships the Stripe SDK or integration code source
observed ships the Synth Finance SDK or integration code source

Read from: dependency manifest, source code

Ghostfolio open-source-saas

https://github.com/ghostfolio/ghostfolio

13 observed · 0 declared

observed ships the Alpha Vantage SDK or integration code source
observed ships the CoinGecko SDK or integration code source
observed ships the EODHD SDK or integration code source
observed ships the Financial Modeling Prep SDK or integration code source
observed ships the Google Sheets SDK or integration code source
observed ships the Google sign-in SDK or integration code source
observed ships the OpenFIGI SDK or integration code source
observed ships the OpenRouter SDK or integration code source
observed ships the RapidAPI SDK or integration code source
observed ships the Stripe SDK or integration code source
observed ships the Trackinsight SDK or integration code source
observed ships the X (Twitter) SDK or integration code source
observed ships the Yahoo Finance SDK or integration code source

Read from: dependency manifest, documentation, source code, source code

Monarch Money commercial

https://www.monarchmoney.com/

7 observed · 0 declared

observed ships the Amplitude SDK or integration code source
observed ships the Facebook SDK or integration code source
observed ships the Firebase SDK or integration code source
observed ships the FullStory SDK or integration code source
observed ships the Segment SDK or integration code source
observed ships the Sentry SDK or integration code source
observed ships the Singular SDK or integration code source

Read from: Android build analysis (Exodus Privacy, reports.exodus-privacy.eu.org)

YNAB commercial

https://www.ynab.com/

3 observed · 4 declared

observed ships the Amplitude SDK or integration code source
observed ships the Bugsnag SDK or integration code source
observed ships the Firebase SDK or integration code source
declared lists Apple (Apple Wallet) as an integration source
declared lists MX as an integration source
declared lists Plaid as an integration source
declared lists Zapier as an integration source

Read from: Android build analysis (Exodus Privacy, reports.exodus-privacy.eu.org), documentation, integrations page

Wallet by BudgetBakers commercial

https://budgetbakers.com/en/products/wallet/

4 observed · 1 declared

observed ships the Facebook SDK or integration code source
observed ships the Firebase SDK or integration code source
observed ships the Mixpanel SDK or integration code source
observed ships the MoEngage SDK or integration code source
declared lists Salt Edge as an integration source

Read from: Android build analysis (Exodus Privacy, reports.exodus-privacy.eu.org), documentation

What these apps expose to agents

Ghostfolio: ships its own MCP server at /mcp behind ENABLE_FEATURE_MCP (experimental), scoped by MCP access tokens declared source
YNAB: no first-party MCP; the YNAB API works-with list carries community MCP servers (e.g. avenir-mcp) and ChatGPT GPTs declared source
Maybe: BYO OpenAI key drives an in-app AI assistant (llm provider concept); no MCP server observed source
Ghostfolio: BYO-LLM via OpenRouter observed source

Where these apps are listed

apple-app-store: Finance
google-play: Finance
awesome-selfhosted: Money, Budgeting & Management
zapier: Accounting