A terminal UI for personal finance. Syncs transactions from Plaid, imports CSVs, and lets you categorize, search, tag, and analyze spending — all from the keyboard.

Screenshots

Features

• Plaid sync — connect bank accounts and pull transactions automatically; 15-min debounce with force-sync option
• CSV import — import statement exports from any bank with flexible column mapping
• Manual assets — track a house, car, or other asset by name and value
• Category rules — substring and regex rules that auto-categorize transactions, with optional amount filters
• Name rules — rename how transactions display, with optional amount filters
• Spending flexibility — tag categories as fixed / flexible / discretionary; view breakdown on Dashboard
• Manual edits — pin a category or display name to a specific transaction, or promote to a rule for all matches; survives re-syncs
• Ignore — soft-hide transactions from totals (transfers, reimbursements, etc.)
• Hidden categories — exclude categories like Transfer from all totals and charts
• Tags — label transactions across accounts (trips, projects, events) and view summaries by tag
• Net worth — balance history with asset/liability breakdown; view by account or by type; scroll by week, month, quarter, or year
• Financial health — cash and liquid runway, FIRE number and progress, years to retirement with adjustable assumptions
• Dedup review — review and remove CSV transactions that duplicate Plaid imports
• Time ranges — view Dashboard by week, month, quarter, year, or all time
• Trends — bar charts for expenses, income, net, or any category; per-range aggregation (week / month / quarter / year)
• Delta mode — toggle on Dashboard to see per-category spending deltas vs prior period, same period last year, and 12-month rolling average; heat-map coloring by deviation
• Regex search — / on Dashboard or Transactions filters by name using a regular expression; search is shared when navigating between Dashboard, Transactions, and Trends
• MCP server — Claude can read and manage your finances via the Model Context Protocol
• HTTP API — REST-style API server for scripting and automation
• Daily backups — database is backed up to ~/.fungible/backups/ on startup once per day; keeps the last 7 backups by default, configurable via FUNGIBLE_BACKUP_DAYS

Try it (no account needed)

Spins up a fully pre-loaded instance with fake accounts, transactions, tags, and rules — completely isolated from any real data. Good for exploring all the screens before connecting a bank.

Install

Homebrew (recommended)

brew tap tomfunk/fungible
brew install fungible
fungible --setup   # first-time setup wizard
fungible

Linux / WSL

The "from source" instructions below work as-is on Ubuntu/Debian and Windows via WSL (tested on Ubuntu 24.04). Requires Node.js 22+.

From source

Requires Node.js 22+.

On first run, use --setup to configure credentials:

Data and config are stored at ~/.fungible/. Plaid access tokens are encrypted at rest using a key file at ~/.fungible/key — do not delete this file or you will need to re-link your bank accounts. You'll need a free Plaid developer account to sync bank transactions (sandbox tier works).

Running

When you run the TUI, the MCP server and REST API start automatically in the background on their default ports. They share the same database connection as the TUI, so any changes made through them are reflected the next time you navigate in the UI.

The FUNGIBLE_MCP_PORT and FUNGIBLE_API_PORT env vars (in ~/.fungible/.env) override the defaults.

Screens

Key bindings

Settings [0]

Fields: Your name, Birth year, and optionally Spouse name, Spouse year, Child name/birth year for each child. Editing is inline — type to update, Enter to confirm, Esc to cancel.

Dashboard [1]

In Categories view, spending is broken down by category with bar charts. In Flex view, spending is grouped by flexibility tier (fixed / flexible / discretionary / untagged). In Account view, select an account to filter all dashboard data to that account.

In delta mode, the bar chart is replaced by three delta columns — vs prev period, vs same period last year, and vs 12-month rolling average — color-coded green / yellow / red by deviation. Not available for the All Time range. An active search carries through when switching to Transactions (2) or Trends (3).

Transactions [2]

The edit panel has four fields navigated with ↑ ↓: Name (display name override), Category (cycle with ← →), Pattern, and Match type. Leave Pattern empty and Enter saves the change to just this transaction. Fill in Pattern and Enter creates a category rule (and/or name rule) that applies to all matching transactions.

Trends [3]

Net Worth [4]

Shows assets (depository, investment, manual), liabilities (credit), and net worth. History shows one snapshot per period (last sync within each bucket), scrollable with up/down.

Tags [5]

In tag detail, ↑ ↓ selects a category and Enter drills into transactions for that tag + category. ← → cycles to the previous/next tag.

Financial Health [6]

Displays a full financial picture across four sections:

• Snapshot — savings rate (color-coded) and estimated monthly income
• Runway — months of cash and liquid coverage at current spending
• Debt — net cash position (checking minus credit debt), months to debt-free at current savings rate (hidden if no debt)
• Retirement — net worth, FIRE number with progress bar, Coast FIRE (years until growth alone covers retirement if you stop saving now), estimated years to FIRE

Dials: Monthly spending (±$100, default = avg past 12 months), Monthly savings (±$100, default = avg surplus), Withdrawal rate (±0.5%, default = 4%), Growth rate (±1%, default = 7%).

Liquid assets = cash + brokerage (excludes 401k, IRA, pension).

Rules [7]

Three sections, cycle with Tab: Category Rules, Name Rules, Categories.

Category Rules / Name Rules:

The rule form is a single panel with fields navigated by ↑ ↓: Pattern, Match type, Min $, Max $, Category (rules) or Replacement (name rules). ← → cycles/toggles the active field. Category rules support substring and regex matching with optional min/max amount filters. Name rules support the same matching plus a replacement display name.

Categories:

Accounts [8]

Add Data options: [l] link bank via Plaid, [c] import CSV, [m] add manual asset (house, car, etc.), [s] force sync.

Dupes tab shows CSV transactions that match Plaid imports. [x] deletes the selected CSV duplicate; [X] deletes all.

Canvas [9]

An AI-generated financial calculator, built on demand by the agent. Ask the agent (`) to generate a canvas — e.g. "make a loan payoff calculator" — and it will appear here with interactive dials.

View mode (when a canvas is loaded):

History mode (press / to enter):

Scripts

# Link a new bank account via Plaid (also available from Accounts screen)
npm run link

# Import a CSV file
npm run import-csv /path/to/file.csv

# Seed default category rules
npm run seed-rules

HTTP API

Exposes the same tools as the MCP server over HTTP — useful for scripting and automation. Starts automatically on port 3456 when you run the TUI, or run it standalone:

fungible api
# or: npm run api
# Listening on http://localhost:3456

Endpoint: POST /tools/:name with a JSON body.

curl -X POST http://localhost:3456/tools/spending_summary \
  -H "Content-Type: application/json" \
  -H "Authorization: Bearer <key>" \
  -d '{"year": 2026, "month": 5}'

Configuration (in ~/.fungible/.env):

Available tools: same set as the MCP server below.

Exposes your financial data to Claude via the Model Context Protocol.

Two connection modes:

• stdio — Claude Desktop spawns fungible mcp as a child process. Always works, even when the TUI isn't open. When the TUI is running, writes notify it automatically so the UI refreshes. Use this if you're not sure which to pick.

• HTTP — when the TUI is running, it starts an HTTP MCP server on port 3741 (FUNGIBLE_MCP_PORT to override). Point Claude at http://localhost:3741/mcp instead of using a command — writes are in-process so the TUI updates instantly. Only works while the TUI is open.

Config file location:

• macOS: ~/Library/Application Support/Claude/claude_desktop_config.json
• Linux / WSL: ~/.config/Claude/claude_desktop_config.json

stdio — Homebrew (macOS):

{
  "mcpServers": {
    "fungible": {
      "command": "/opt/homebrew/bin/node",
      "args": ["--no-warnings", "--import", "tsx/esm", "/opt/homebrew/lib/node_modules/fungible/mcp/server.ts"]
    }
  }
}

stdio — from source (macOS / Linux / WSL):

{
  "mcpServers": {
    "fungible": {
      "command": "node",
      "args": ["--no-warnings", "--import", "tsx/esm", "/path/to/fungible/mcp/server.ts"]
    }
  }
}

HTTP (TUI must be running):

{
  "mcpServers": {
    "fungible": {
      "url": "http://localhost:3741/mcp"
    }
  }
}

Available tools: