Track aggregate Net Worth, spendable Rest Money post SIPs & Rent, category budget capacity, and automated Telegram audit reports. Connect Claude Desktop, Cursor, or your custom workflows via hosted Model Context Protocol (MCP).
A unified intelligence layer over your personal finances — accessible at finledger.co.in, Telegram, mobile app, Claude Desktop, or your own API clients.
Register your account, link Telegram, or use the web dashboard. All data syncs in real time.
LangGraph pipeline classifies expenses, budgets, currencies, and financial queries with multi-LLM fallback.
Monthly comparisons, net worth snapshots, category budgets, and PDF statements generated on demand.
Claude Desktop or Cursor query your finances directly via hosted SSE/JSON-RPC Model Context Protocol.
No app to install. No dashboard to open. Just message @ledger_copilot_bot in Telegram and your AI finance agent handles the rest.
"spent 2000 on groceries"
✅ Logged ₹2,000 under Groceries.
"paid $120 for Adobe CC"
💱 Converted $120 → ₹10,020. Logged under Subscriptions.
"how much can I spend this week?"
🤖 Rest Money: ₹42,500 (after SIPs, rent, EMIs).
Natural language AI expense & inquiry logging
Designed for effortless tracking, deep analytical security, and AI agent integration.
Calculates true spendable cash remaining after fixed rent, SIP mutual funds, and recurring bill commitments are funded.
Exposes 6 financial tools to Claude Desktop & Cursor via hosted SSE (/api/v1/mcp/sse) and JSON-RPC with zero DB credential exposure.
Multi-user Telegram assistant with 13 native commands, natural language parsing, budget alerts, and multi-currency support.
Issue scoped developer keys (sk_live_...) and receive HMAC SHA-256 signed webhooks for real-time transaction and budget alerts.
Generate official HTML & PDF financial statements for bank loans, CA audits, and wealth advisors with 1-click tokenized sharing.
Tested against 100% prompt injection safety benchmarks with multi-provider failover (Groq, Ollama, NVIDIA, Gemini, Rule Engine).
Track spending trends, savings rate improvements, and category breakdowns with intelligent AI-generated insights.
Set base currency and auto-convert INR, USD, EUR, GBP, AED transactions using live exchange rates on every log.
Receive instant Telegram alerts when category spending hits 90% of budget. Configure thresholds per category.
Track all fixed monthly commitments — rent, SIPs, EMIs, subscriptions — automatically deducted from Rest Money calculation.
Generate time-limited, read-only /share/[token] links for your CA or financial advisor. Auto-expire and fully revocable.
Ask natural language questions — 'should I invest more this month?' — powered by multi-agent RAG over your actual financial data.
Every request — Telegram message, web query, or MCP tool call — passes through a deterministic safety pipeline before any LLM is invoked.
Filters prompt injection, PII exposure, and off-topic queries
Classifies intent: expense log, income, report, query, AI question
Fetches relevant financial data, runs calculations, formats response
Generates AI-powered financial insights with RAG over user data
6 financial tools exposed via JSON-RPC & Server-Sent Events at /api/v1/mcp/sse
Returns spendable cash after all commitments are funded
Aggregate net worth across all linked accounts
Category budget utilization and remaining capacity
Breakdown of expenses by category for a given period
Log income or expense with auto-categorization
Month-over-month spending, savings, and net difference
Read our complete interactive developer documentation. Learn how to configure Claude Desktop, Cursor, Webhooks, API keys, and Telegram integration in minutes.