Bank statements → categorised transactions, for agents

Statement to Budget is a remote MCP server. Give it a statement (PDF, including password-protected and scanned; CSV; XLS/XLSX; OFX) and it returns every transaction with a date, description, amount and category, plus a spending summary. Same pipeline humans use on the homepage.

Endpoint

POST https://www.statementtobudget.com/api/mcp
Content-Type: application/json
Authorization: Bearer stb_live_…      (optional, see below)

JSON-RPC 2.0: initialize, tools/list, tools/call, ping

Add it to your client

Cursor, Claude Code, Windsurf and other `mcpServers` clients

{
  "mcpServers": {
    "statement-to-budget": {
      "url": "https://www.statementtobudget.com/api/mcp",
      "headers": { "Authorization": "Bearer stb_live_YOUR_KEY" }
    }
  }
}

Drop the headers line to try it without a key.

Claude Desktop (via mcp-remote)

{
  "mcpServers": {
    "statement-to-budget": {
      "command": "npx",
      "args": ["-y", "mcp-remote", "https://www.statementtobudget.com/api/mcp",
               "--header", "Authorization: Bearer stb_live_YOUR_KEY"]
    }
  }
}

Tools

convert_statement — filename, content_base64, optional password. Runs extraction and categorisation (1–3 minutes for a long PDF) and returns session_id, transaction_count and access.
get_job — poll session_id while status is processing.
get_transactions — rows, category totals and months covered. On a preview, the hidden rows come back as locked_rows (date, category, masked description) so the agent can still tell the user what is there.

Pricing

No key: a masked preview — 5 sample rows, the top 3 categories, and date + category for everything else — plus an unlock_url. The user opens it and pays $4.99 once for every row in that file; the agent then calls get_transactions again and gets the full result. Five conversions a day per IP.
With a key: conversions are charged to your account's page credits and return every row. Pro is $29/month for 400 pages, Bookkeeper is $79/month for 1,500 pages; a 500-page pack is also available on the pricing page.

Your API keys

Conversions made with a key are charged to your account's page credits (Pro: 400 pages a month, Bookkeeper: 1,500) and return every row. Without a key, agents get a masked preview and a link to pay per file.

Data handling

Uploaded files are deleted from storage once extraction finishes. Extracted rows are kept for 30 days so the session can be reopened, then removed. Only upload statements the user has asked you to process. Discovery: /llms.txt.