OpenBudget

OpenBudget is an AI spreadsheet generator tool. OpenBudget links bank accounts through Plaid and pipes transactions, balances and spending categories into Claude, ChatGPT, Google Sheets or Excel, so you can ask questions about your money in natural language instead of exporting CSVs.

OpenBudget is a connector layer between your bank accounts and the AI assistants or spreadsheets you already use. Instead of logging into a budgeting app to read charts, you link accounts once through Plaid and then ask questions in plain language inside Claude, ChatGPT, Hermes or OpenClaw. Balances, transactions and spending categories flow into the conversation, so a question like how much went to restaurants last month comes back as an actual number with a breakdown rather than a generic answer. The product covers more than a transaction feed. Categorization rules can be set once and remembered, so a recurring payment to a landlord stays classified as rent and past entries get corrected on request. Mixed purchases, such as a single Amazon charge containing several items, can be split so each item lands in the right budget category. Investment holdings, retirement accounts, real estate and manual assets can be added and reviewed alongside day to day spending, and liabilities such as credit cards and loans are tracked with balances, APRs and due dates so payoff questions get a concrete answer. For people who prefer a spreadsheet to a chat window, OpenBudget syncs the same data into Google Sheets and Excel automatically, replacing the CSV export ritual. Around 10,000 banks and cards are listed as supported, connections are reported to take about two minutes, and transactions arrive pre-sorted into more than 100 categories. Because Claude and ChatGPT can run recurring tasks, OpenBudget also works as a live data source for scheduled check-ins: a morning spending summary, a weekly bill check, or a monthly review of miscategorized entries. Bank credentials stay with Plaid and the service cannot move money. The tool sits alongside AI money assistants rather than traditional budgeting apps. Its pitch is that the assistant is the interface, which suits people already paying for Claude or ChatGPT and unwilling to learn another dashboard. Anyone who wants a self-contained app with its own mobile experience and visual reports will find less here, since the value depends on the third party AI client doing the reasoning.