Beancount.io

Beancount.io provides hosted plain‑text accounting powered by Git and AI. It offers bookkeeping, bank sync, smart import of statements, AI‑driven insights, and customizable reporting. Designed for couples, freelancers, professionals, and small businesses, the platform delivers an auditable, version‑controlled ledger with collaborative features and open‑source tooling.

Beancount.io publishes 3 API contracts indexed on the APIs.io network: Ledger API, MCP API, and Graph QL API. Tagged areas include Accounting, Finance, Software-as-a-Service, Open Source, and Collaboration.

The Beancount.io catalog on APIs.io includes 1 JSON-LD context and 1 Spectral governance ruleset.

Beancount.io’s developer surface includes changelog, signup flow, authentication, documentation, API reference, getting-started guide, pricing, and 26 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

48.9/100 developing Agent 49/100 agent ready Full breakdown ↓
scored 2026-11-06 · rubric v0.27.0 · Show this score on your site →

AccessFreemiumSelf serve⚡ Free to try

1 published contract 2 Agent Skills

Accounting Finance Software-as-a-Service Open Source Collaboration

Kin Score

Kin Score How this is scored →
scored 2026-11-06 · rubric v0.27.0

Composite quality — 48.9/100 · developing

Contract Quality 13.4 / 21

Developer Ergonomics 7.0 / 17

Access Clarity 9.2 / 17

Operational Transparency 1.5 / 11

Contract Governance 2.2 / 10

Discoverability 5.6 / 9

Regulatory Posture 5.4 / 15

Agent readiness — 49/100 · agent ready

Machine-Readable Contract 18 / 18

Agentic Access Contract 10 / 10

Documented Reversibility 0 / 6

MCP Server 0 / 12

Machine-Readable Auth 10 / 10

Idempotency 0 / 9

Stable Error Semantics 8 / 8

Request/Response Examples 7 / 7

Rate-Limit Signaling 7 / 7

Typed Event Surface 0 / 6

Agent Skills 5 / 5

Well-Known Catalog 0 / 4

Consent & Bot Identity 0 / 3

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 0 / 4

Delegated User Identity 6 / 6

Protected Resource Metadata 5 / 5

Registration Without a Human 6 / 6

Agentic Commerce Well-Known Document 0 / 5

Pagination 5 / 5

Distinct Operations 3 / 3

MCP Tool Quality 6 / 6

Regulatory Posture applies to this provider. Its tags matched the Horizontal (data, software, accessibility, platform) regime, so Regulatory Posture carries 15 points of the composite. If this regime is wrong for your business, say so on your provider repo — the applicability map is public and we will correct it.

Create-or-Update Ergonomics could not be measured. We hold no machine-readable contract for this provider to read, so there is nothing to measure a write surface against. Excluded rather than scored zero: never-measured and measured-empty are different facts. Publishing an OpenAPI is what makes this facet — and several others — scorable at all.

The six quality facets above are damped to 85 points between them, because the conditional facet above carries the other 15. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 85% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

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Agent readiness — checks not met, largest first (exact, from this profile):

MCP Server +12 pts — deployment.mode + probe verdict on the mcp/ manifest, not the pointer; an unprobed slug falls back to authorship
Idempotency +9 pts — OpenAPI mutating operations declare an idempotency key — a header, a request-body property, or a named de-duplication token whose own description says so (verified); else common[].type matches /idempoten/i (documented)
A2A Agent Card +8 pts — a2a/-a2a.yml manifest, graded on conformance.grade against A2A 1.0.0
Typed Event Surface +6 pts — AsyncAPI document, OR webhooks/callbacks objects in the as-published OpenAPI, OR common[].type includes Webhooks
Documented Reversibility +6 pts — a reversal operation in the contract, graded up when a window is documented too
Agentic Commerce Well-Known Document +5 pts — a parsing /.well-known/ucp.json or acp.json declaring a version and at least one service, OR (0.27) a live x402 payment challenge from _data/x402-adoption.json — `self` when its endpoints are on the provider's own domain, `platform` when they are on a vendor's

3 more unmet checks in the Agent Readiness table above.

Kin Score — facets with the most composite points still available (weight × headroom):

Developer Ergonomics scores 41.1 — up to +11.8 composite points
Operational Transparency scores 13.2 — up to +11.3 composite points
Contract Governance scores 22.0 — up to +9.4 composite points

Each check links to what satisfies it. Publish the artifact, or tell us where it already lives, and the score moves on the next scoring run.

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. Every facet and dimension name above is a link: it opens that measurement's own page — what it means, the exact checks that feed it, how the whole catalog distributes on it, and the providers at the top of it. This rating is computed from the provider profile at artifacts.apis.io/beancount-io/apis.yml: open an issue on github.com/api-evangelist/beancount-io to ask a question or point us at an artifact you publish. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

Standards implemented 4

Standards this provider implements or carries. De facto ones are profiled and measured by the API Commons; formal ones come from the standards directory and are linked by the provider's own tags. The evidence column says how each claim was established — not that it was made.

OAuth 2.0 Protected Resource Metadata

measured — observed by APIs.io (verified)

Dynamic Client Registration

measured — observed by APIs.io (published)

OpenAPI

measured — observed by APIs.io (published)

OAuth 2.0

measured — observed by APIs.io (declared)

APIs 3

Individual APIs this provider publishes, each with its own machine-readable definition.

Beancount.io Ledger API

Ledger file and BQL operations

Beancount.io MCP API

Model Context Protocol - tool calling for ledgers

Beancount.io Graph QL API

Beancount.io GraphQL API - blog, docs, and ledger queries

Agent Skills 2

Packaged agent skills for driving this provider's APIs from an AI assistant.

beancount-io-graphql-query

AGENT SKILL

beancount-io-mcp-invoke

AGENT SKILL

Beancount.io API pricing

Prices published by Beancount.io.

Plan	Price
Free	0
Premium Monthly	14.99
Premium Annual	143.88
Growth Monthly	99.99
Growth Annual	959.88

Plan details, limits and sources →

Pricing Plans 1

Published pricing tiers and plan structures.

Beancount Io Plans Pricing

5 plans

PLANS

Semantic Vocabularies 1

JSON-LD contexts and semantic vocabularies used across these APIs.

Beancount Io Context

3 classes · 10 properties

JSON-LD

Spectral Rules 1

Spectral governance rulesets for linting and validating these APIs.

Beancount.io API Rules

66 rules · 64 errors 1 warnings 1 info

SPECTRAL

JSON Schema 2

Standalone JSON Schema definitions for this provider's data models.

Error

4 properties

JSON SCHEMA

MCPManifest

5 properties

JSON SCHEMA

Security Posture 3

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Beancount Io Authentication

apiKey/oauth2 · 2 schemes

SECURITY

Beancount Io Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Beancount Io Vulnerability Disclosure

security.txt · contact published

SECURITY

Scopes 1

OAuth scopes governing access to this provider's APIs.

Beancount Io Scopes

3 scopes · authorizationCode/clientCredentials

3 scopes

SCOPES

Agentic Access 1

Recommended x-agentic-access execution contracts for AI agents.

Beancount Io Agentic Access

6 operations · 2 acting

AGENTIC

Resources

Get Started 3

Portal, sign-up, and the first successful call

SignUp

SignUp

DeveloperPortal

DeveloperPortal

GettingStarted

GettingStarted

Documentation 2

Reference material describing how the API behaves

Documentation

Documentation

APIReference

APIReference

Agent Surfaces 4

MCP servers, agent skills, and machine-readable catalogs

AgenticAccess

AgentSkill

LLMsTxt

WellKnown

Design & Contract 6

Pagination, idempotency, versioning, errors, and events

Spectral

JSONLD

Vocabulary

DataModel

ErrorCatalog

Conformance

Build 2

SDKs, sample code, and the tooling you integrate with

SDKs

SDKs

Packages

Packages

Access & Security 6

Authentication, authorization, and security posture

SecurityTxt

Security

OAuthScopes

Authentication

VulnerabilityDisclosure

VulnerabilityDisclosure

DomainSecurity

DomainSecurity

Operate 2

Status, limits, changes, and where to get help

ChangeLog

ChangeLog

ChangeLog

ChangeLog

Commercial 4

Pricing, plans, and the legal terms of use

TermsOfService

Plans

Pricing

PrivacyPolicy

Company 2

The organization behind the API

Website

Website

Blog

Blog

Other 2

Properties that don't map to a standard resource type

Hosts

Hosts

Vendors

Vendors

Source (apis.yml)

aid: beancount-io
name: Beancount.io
accessModel:
  pricing: freemium
  onboarding: self-serve
  trial: false
  try_now: true
  public: false
  gated: none
  gated_source:
  - onboarding
  label: Freemium · Self-serve signup
  confidence: medium
  source:
  - plans
  - authentication
  - security
  generated: '2026-11-06'
  method: derived
image: https://opengraph-image.blockeden.xyz/og/beancount-io/v1/card.webp?title=Beancount.io%20%E2%80%94%20Hosted%20Plain-Text%20Accounting%20with%20Git%20%26%20AI
description: Beancount.io provides hosted plain‑text accounting powered by Git and AI. It offers bookkeeping, bank sync, smart
  import of statements, AI‑driven insights, and customizable reporting. Designed for couples, freelancers, professionals,
  and small businesses, the platform delivers an auditable, version‑controlled ledger with collaborative features and open‑source
  tooling.
url: https://artifacts.apis.io/beancount-io/apis.yml
x-type: company
x-source: harvest:mcp-registry
x-tier: profiled
x-tier-reason: enrichment pass 2026-11-02 (modular-v1; was harvest)
specificationVersion: '0.20'
created: '2026-11-02'
modified: '2026-11-02'
tags:
- Accounting
- Finance
- Software-as-a-Service
- Open Source
- Collaboration
tags_raw:
- Accounting
- Finance
- SaaS
- Open-Source
- Collaboration
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: TermsOfService
  url: https://beancount.io/terms-of-service
- type: AgenticAccess
  url: agentic-access/beancount-io-agentic-access.yml
- type: Plans
  url: plans/beancount-io-plans-pricing.yml
- type: Spectral
  url: rules/beancount-io-rules.yml
- type: JSONLD
  url: json-ld/beancount-io-context.jsonld
- type: Vocabulary
  url: vocabulary/beancount-io-vocabulary.yml
- type: AgentSkill
  url: skills/_index.yml
- type: DataModel
  url: data-model/beancount-io-data-model.yml
- type: ChangeLog
  url: changelog/beancount-io-changelog.yml
- type: ErrorCatalog
  url: errors/beancount-io-problem-types.yml
- type: Conformance
  url: conformance/beancount-io-conformance.yml
- type: LLMsTxt
  url: llms/beancount-io-llms.txt
- type: SecurityTxt
  url: well-known/beancount-io-security.txt
- type: WellKnown
  url: well-known/beancount-io-well-known.yml
- type: Hosts
  url: hosts/beancount-io-hosts.yml
- type: Vendors
  url: vendors/beancount-io-vendors.yml
- type: SDKs
  url: packages/beancount-io-packages.yml
- type: Packages
  url: packages/beancount-io-packages.yml
- type: SignUp
  url: https://beancount.io/sign-up/?next=%2Fledger%2F&utm_source=beancount.io&utm_medium=cta&utm_campaign=nav_signup
- type: Security
  url: https://beancount.io/security
- type: ChangeLog
  url: https://beancount.io/changelog
- type: DeveloperPortal
  url: https://api.v3.beancount.io</code
- type: OAuthScopes
  url: scopes/beancount-io-scopes.yml
- type: Authentication
  url: authentication/beancount-io-authentication.yml
- type: VulnerabilityDisclosure
  url: security/beancount-io-vulnerability-disclosure.yml
- type: DomainSecurity
  url: security/beancount-io-domain-security.yml
- type: Website
  url: https://beancount.io/
- type: Documentation
  url: https://beancount.io/docs
- type: APIReference
  url: https://beancount.io/docs/api-reference
- type: GettingStarted
  url: https://beancount.io/docs/introduction-to-beancount
- type: Pricing
  url: https://beancount.io/pricing
- type: PrivacyPolicy
  url: https://beancount.io/privacy-policy
- type: Blog
  url: https://beancount.io/blog
apis:
- aid: beancount-io:beancount-io-ledger-api
  name: Beancount.io Ledger API
  description: Ledger file and BQL operations
  humanURL: https://beancount.io/docs/api-reference
  baseURL: https://beancount.io
  tags:
  - Ledger
  tags_raw:
  - ledger
  properties:
  - type: OpenAPI
    url: openapi/beancount-io-ledger-api-openapi.yml
  - type: JSONSchema
    url: json-schema/beancount-io-mcpmanifest-schema.json
  - type: JSONSchema
    url: json-schema/beancount-io-error-schema.json
- aid: beancount-io:beancount-io-mcp-api
  name: Beancount.io MCP API
  description: Model Context Protocol - tool calling for ledgers
  humanURL: https://beancount.io/docs/api-reference
  baseURL: https://beancount.io
  tags:
  - MCP
  tags_raw:
  - mcp
  properties:
  - type: OpenAPI
    url: openapi/beancount-io-mcp-api-openapi.yml
  - type: JSONSchema
    url: json-schema/beancount-io-mcpmanifest-schema.json
  - type: JSONSchema
    url: json-schema/beancount-io-error-schema.json
- aid: beancount-io:beancount-io-graph-ql-api
  name: Beancount.io Graph QL API
  description: Beancount.io GraphQL API - blog, docs, and ledger queries
  humanURL: https://beancount.io/docs/api-reference
  baseURL: https://beancount.io
  tags:
  - GraphQL
  tags_raw:
  - Graph QL
  properties:
  - type: OpenAPI
    url: openapi/beancount-io-graph-ql-api-openapi.yml
  - type: JSONSchema
    url: json-schema/beancount-io-mcpmanifest-schema.json
  - type: JSONSchema
    url: json-schema/beancount-io-error-schema.json
x-enrichment:
  date: '2026-11-02'
  status: enriched
  artifacts_added: 31
  pass: modular-v1
  engine: identity=local,contract=local,surfaces=local,docs=local,regulatory=local

Beancount.io API — frequently asked questions

Does Beancount.io have an API?

Yes. APIs.io lists 3 APIs from Beancount.io, including Beancount.io Ledger API, Beancount.io MCP API and Beancount.io Graph QL API.

Is there an OpenAPI specification for the Beancount.io API?

Yes. APIs.io indexes 3 OpenAPI specifications for Beancount.io, each linked for download from this page.

How do I authenticate with the Beancount.io API?

Beancount.io documents its authentication (apiKey/oauth2 · 2 schemes). The details are profiled on APIs.io as Beancount Io Authentication.

How much does the Beancount.io API cost?

Beancount.io publishes its prices; its Free plan is 0 as of 2026-11-02. APIs.io lists 5 pricing plans for Beancount.io, with each plan's price, limits and inclusions under Pricing on this page.

Is the Beancount.io API ready for AI agents?

Beancount.io has a Kin Score of 48.9 out of 100 (developing) and an Agent Readiness score of 48.8 (agent-ready), scored by API Evangelist on 2026-11-06.

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