Powered by LangGraph Multi-Agent Orchestration & Model Context Protocol

Autonomous Personal Finance OS Built for Humans & AI Agents

Track spending, budgets and net worth, see the Rest Money left after SIPs, rent & EMIs, and split bills with friends in shared groups. Log expenses from Telegram, and connect Claude Desktop, Cursor or your own tools through a hosted MCP server.

Developer API & MCP Docs
ledger-mcp-server :: agent_orchestrator.py
HOSTED · api.finledger.co.in
> Claude Desktop invoking MCP Tool:get_rest_money()
{
"formatted": "₹42,500.00",
"monthly_income": "₹1,20,000.00",
"committed_expenses": "₹77,500.00",
"status": "Safe cash after SIPs, rent, & EMIs are funded"
}
> Telegram Assistant Intent Classified:"I spent ₹450 on Swiggy dinner"
⚡ Logged expense ₹450.00 under Food & Dining (HDFC Bank). Capacity remaining: 82%.

How FinLedger Works

A unified intelligence layer over your personal finances — accessible at finledger.co.in, Telegram, mobile app, Claude Desktop, or your own API clients.

01

Connect via Telegram or Web

Register your account, link Telegram, or use the web dashboard. All data syncs in real time.

02

AI Agents Parse & Categorize

LangGraph pipeline classifies expenses, budgets, currencies, and financial queries with multi-LLM fallback.

03

Insights & Reports Generated

Monthly comparisons, net worth snapshots, category budgets, and PDF statements generated on demand.

04

AI Agents Access via MCP

Claude Desktop or Cursor query your finances directly via hosted SSE/JSON-RPC Model Context Protocol.

Shared group expenses

Split bills with friends, flatmates and trips

Create a group, add who paid, and FinLedger keeps a running balance of who owes whom. Simplify debts to the fewest payments, then settle up whenever it suits you — group spending flows into each member's own budget too.

  • Equally

    ₹2,400 dinner for 4 → ₹600 each

  • Exact amounts

    Everyone ordered something different

  • Shares

    2 nights vs 1 night → 2 : 1

  • Percentages

    Rent by room size: 40 / 35 / 25

AI-Powered Telegram Chatbot Assistant

Your Finance Assistant Lives in Telegram

No app to install. No dashboard to open. Just message @ledger_copilot_bot in Telegram and your AI finance agent handles the rest.

Bot commands

/startGet the welcome guide
/registerLink your FinLedger web account with a one-time code
/helpFull command guide with examples
/reportThis month's financial report
/compareMonth-over-month spending & savings
/networthNet worth across your accounts
/restmoneySpendable cash after SIPs, rent & EMIs
/budgetsBudget usage with 90% & over-limit warnings
/billsUpcoming recurring bills & due dates
/addbillAdd a recurring bill
/paybillMark a bill as paid
/profileYour profile & preferences
/currencyChange your preferred currency

Natural language examples

"spent 2000 on groceries"

✅ Logged ₹2,000 under Groceries.

"add 1200 in Goa Trip for dinner"

👥 Preview: ₹1,200 split equally in Goa Trip — confirm to save.

"how much can I spend this week?"

🤖 Rest Money: ₹42,500 (after SIPs, rent, EMIs).

Ledger AI Telegram BotLive Demo

Natural language AI expense & inquiry logging

⚡ Try: /expense 450 Swiggy in Telegram100% Instant Sync

Everything your money needs, in one ledger

Effortless tracking for you, shared ledgers for your groups, and clean APIs for your AI tools.

Spendable Rest Money Engine

Calculates true spendable cash remaining after fixed rent, SIP mutual funds, and recurring bill commitments are funded.

Hosted MCP Server Protocol

Exposes 6 financial tools to Claude Desktop & Cursor via hosted SSE (/api/v1/mcp/sse) and JSON-RPC with zero DB credential exposure.

Telegram AI Assistant Bot

Log expenses by message, check budgets and net worth, get bill reminders, and split group expenses — with a confirmation before anything changes.

API Keys & Signed Webhooks

Issue scoped developer keys (sk_live_...) and receive HMAC SHA-256 signed webhooks for real-time transaction and budget alerts.

Financial Statements

Generate HTML & PDF statements to share with your CA or advisor, alongside CSV export and full backups.

Guardrailed AI

Prompt-injection guardrails and an evaluation suite, with multi-provider failover (Groq, Ollama, NVIDIA, Gemini, rule engine).

Month-over-Month Comparisons

Track spending trends, savings rate improvements, and category breakdowns with intelligent AI-generated insights.

Shared Group Expenses

Split trips, rent and dinners equally, by exact amounts, shares or percentages; see who owes whom and settle up.

Budget Capacity Warnings

Categories at 90% or over their limit are flagged on the dashboard and in the Telegram /budgets reply.

Recurring Bills & SIP Tracker

Track all fixed monthly commitments — rent, SIPs, EMIs, subscriptions — automatically deducted from Rest Money calculation.

Scoped Advisor Share Links

Generate time-limited, read-only /share/[token] links for your CA or financial advisor. Auto-expire and fully revocable.

AI Insight Advisor

Ask natural language questions — 'should I invest more this month?' — powered by multi-agent RAG over your actual financial data.

Multi-Agent AI Architecture

Powered by LangGraph Multi-Agent Orchestration

Every request — Telegram message, web query, or MCP tool call — passes through a deterministic safety pipeline before any LLM is invoked.

GuardrailNode

Filters prompt injection, PII exposure, and off-topic queries

CategorizerAgent

Classifies intent: expense log, income, report, query, AI question

QueryResolutionAgent

Fetches relevant financial data, runs calculations, formats response

InsightAdvisorAgent

Generates AI-powered financial insights with RAG over user data

# LLM Provider Fallback Chain
1. Groq (llama-3.3-70b-versatile) — Primary
2. Ollama (local llama3.3) — Local fallback
3. NVIDIA NIM (meta/llama-3.3-70b-instruct) — Cloud fallback
4. Gemini (gemini-2.5-flash) — Extended fallback
5. Intelligent Rule Engine — Always-available fallback

MCP Server Tool Inventory

6 financial tools exposed via JSON-RPC & Server-Sent Events at /api/v1/mcp/sse

get_rest_money()

Returns spendable cash after all commitments are funded

get_net_worth()

Aggregate net worth across all linked accounts

check_budget_status()

Category budget utilization and remaining capacity

get_spending_by_category()

Breakdown of expenses by category for a given period

add_transaction()

Log income or expense with auto-categorization

compare_monthly_performance()

Month-over-month spending, savings, and net difference

iPhone & Android apps are on the way

Not in the app stores yet. Until then, FinLedger works in any mobile browser, and the Telegram bot handles quick logging on the go.

About the mobile app

Frequently Asked Questions

Want to Connect Your App or AI Client?

Read our complete interactive developer documentation. Learn how to configure Claude Desktop, Cursor, Webhooks, API keys, and Telegram integration in minutes.

Explore Developer Docs