Follow the money.

Import bank statements, categorize transactions with AI, surface spending anomalies, and get actionable advice — all without your financial data leaving your machine.

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What is Open Accountant?

Open Accountant is an open-source, privacy-first AI bookkeeper CLI. Inspired by Frank J. Wilson, the forensic accountant who followed the money to convict Al Capone.

Every finance app stops at categorization and charts. Open Accountant tells you what to do — cancel this subscription, you’re overspending here by $X/month, this recurring charge looks forgotten.

Privacy-First

All financial data stays in local SQLite. No telemetry. Run with Ollama for fully local AI inference.

AI-Powered

Multiple LLM providers. AI categorization, anomaly detection, spending analysis, and actionable advice.

Extensible

Skills for tax prep, cash flow forecasting, P&L statements. Build your own with SKILL.md files.

Open Source

MIT licensed. Full access to the code. Contribute, fork, or build on top.

Core Features

Bank CSV import — Auto-detects Chase, American Express, Bank of America, and generic CSV formats
OFX & QIF support — Import from any bank that exports OFX or Quicken QIF files
Monarch Money sync — Pull transactions directly from your Monarch Money account
AI categorization — Classifies transactions into 18 spending categories using your choice of LLM
Spending summaries — Breakdowns by category, merchant, or time period with comparisons
Anomaly detection — Flags duplicate charges, unusual spikes, and forgotten subscriptions
Export — Save filtered transactions to CSV or XLSX
Web search — Research merchants and financial questions (Exa, Perplexity, Tavily, Brave)
MCP extensibility — Add tools via Model Context Protocol servers
Orchestration — Chain tools sequentially or run parallel teams for complex workflows
Skills — Multi-step workflows like tax prep and subscription audits
9 LLM providers — OpenAI, Anthropic, Google, xAI, Moonshot, DeepSeek, OpenRouter, LiteLLM, and Ollama