Connect EveryPenny to ChatGPT

Add EveryPenny to ChatGPT as a custom connector, then ask about your spending, budgets and plans — or let ChatGPT tidy up transactions if you allow it.

Before you start

Custom connectors need developer mode: in ChatGPT open Settings → Apps → Advanced settings and switch on Developer mode.
Custom connectors are available on paid ChatGPT plans (Plus, Pro, Business, Enterprise, Edu); on Business and Enterprise an admin may have to allow them.

Connect

In ChatGPT open Settings → Apps and choose Create (Add custom connector).
Name it EveryPenny, paste the server address below as the MCP server URL and set Authentication to OAuth. Confirm the notice about custom connectors and create it.
ChatGPT opens the EveryPenny page with a QR code. Scan it with your iPhone camera (or in EveryPenny: Settings → AI assistants → Enter a code).
Choose Read only or Read & write and tap Allow. You're back in ChatGPT, connected.
In a new chat, pick EveryPenny in the + menu under Developer mode and ask away.

https://api.everypennyapp.com/mcp

If ChatGPT won't use the tools

Start a new chat and make sure EveryPenny is selected for it.
ChatGPT can say it changed something without actually calling a tool. Check the change in the app.
Still stuck? The same address works in Claude, which currently handles connectors more reliably.

Disconnect

In ChatGPT: Settings → Apps → EveryPenny → Disconnect. Or in the app: Settings → AI assistants → Disconnect — ChatGPT loses access immediately.

Permissions

Read only

The assistant can see your accounts, transactions, budgets and reports but can't change anything. A good default for questions.

Read & write

The assistant can also add, edit, categorize, label, split and delete transactions, record transfers between your own accounts and set budgets — when you ask it to.

Connecting AI assistants is part of EveryPenny Plus — the free trial counts.

What it can read

Overview — net worth, this month's spending and income, budgets that need attention, bills coming up
Transactions — search by text, dates, category, account, label or amount; full details with receipt lines and splits
Reports — spending or income by category, label or merchant for any period, converted to one currency
Monthly cash flow — income, spending and savings rate
Accounts and balances, categories, labels, budgets, subscriptions and bills, goals, exchange rates

What it can change (Read & write only)

Add, edit or delete cash and other manual transactions
Rename, recategorize, relabel, split or hide any transaction — bank transactions keep the amount and date the bank reported
Categorize, label or hide up to 200 transactions at once
Record transfers between your manual accounts
Create and rename labels; set monthly budgets

What it can't do

Move money. EveryPenny is your ledger — banks are read-only sources.
See your bank logins, or connect and disconnect banks.
See anyone else's data. Every request is limited to your own account.
Read your conversations with the assistant.

Privacy

The assistant only receives what it asks for to answer you, from your account. We don't store your conversations. What the assistant does with your data is covered by its own privacy policy.

Try asking

How much did I spend on food last month, and where?
Can I afford a 3,000 € holiday in July at my current savings rate?
Label everything from my Lisbon trip, 1–10 April, as “Lisbon”.
Which subscriptions could I cancel?

Need help?

If connecting fails, remove EveryPenny from your assistant and add it again. Still stuck? Write to [email protected].