Your money,
finally Clara.
Talk to her in plain language, send her a bank PDF, dictate a voice note over WhatsApp. Clara understands, categorizes and keeps your balance up to date. Less drama, more done.
balance · apr '26
USD 1.284.50
Clara
online · speaks plain English
Done — marked Rent as paid for April ✅. You have USD 1,240 left for the rest of the month.
Income
3.200
USD · April
Planned
1.915
7 templates
Paid
1.500
+200 today
Pending
415
2 itemsAn assistant, not a spreadsheet.
Chat-first expense tracker with personality. Open source, MIT, self-hostable. No telemetry, no per-user pricing, neutral English (or rioplatense Spanish — your call). Every feature is built so you can understand your money without opening Excel — and so your own AI can help without asking permission fifteen times.
- Reads your statements
Drop a bank screenshot, a PDF or a CSV. Clara extracts transactions, suggests categories and always asks before touching anything.
- Listens to voice notes
"Paid rent" over WhatsApp is enough. Clara transcribes, classifies and updates the month without you opening the app.
- Syncs with your bank
Read-only Open Banking. Connect once, sync per month, and Clara matches transactions against your planned expenses. Clara never has access to your money.
- Organized by month
A template defines a recurring expense. Each month has an independent copy that you tick when you pay it.
- Real multi-bank
Every expense knows which bank it lives in. Useful when you split rent across three accounts and want to know how much is left in each.
- Charts only when they help
Clara does not throw charts for the sake of it. They render inline only when they actually clarify what's going on.
- Speaks plain English
No corporate jargon. Clara talks like an accountant friend who knows what she's doing — no lectures, promised.
- Your data is yours
Open source MIT. Self-hostable on any Vercel/Postgres. No telemetry, no tracking, no AI upsell at $9.99/month.
- MCP for your AI
Clara exposes an MCP (Model Context Protocol) server. Hook it up to Claude Desktop, Cursor or ChatGPT and your own assistant can query and update your finances with your permission.
Your own AI can
talk to Clara.
Clara exposes an MCP (Model Context Protocol) server. Generate a token from Settings and paste it into Claude Desktop, Cursor or any compatible client: your assistant queries your months, checks the balance, and registers expenses with your permission.
# Claude Desktop / Cursor mcp.json
{
"mcpServers": {
"clara": {
"url": "https://clara.trefolio.com/api/mcp/user",
"headers": {
"Authorization": "Bearer <clara_pat_…>"
}
}
}
}Clara's rule:
less spreadsheet, more decisions.
Only recurring templates start as pending. Anything you log during the month — chat, voice or photo — defaults to paid. You focus on deciding, Clara handles the rest.
Your money clear, in five minutes.
Sign up, optionally connect your bank or WhatsApp, and Clara takes care of the rest.