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Breadbox is a self-hosted financial data aggregation tool for households. It connects to your banks via Plaid or Teller, syncs your transactions into a PostgreSQL database you own, and exposes that data through a REST API and a built-in MCP server for AI agents. Your financial data never touches a third-party cloud — it lives on your hardware, encrypted at rest, and is exportable or deletable at any time.

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Why Breadbox?

Banks silo your financial data behind their own apps. AI assistants can help with budgeting, spending analysis, and anomaly detection — but they need structured access to your data without touching your bank credentials. Breadbox bridges that gap. It handles the secure sync from your bank, stores transactions in a database you control, and gives any tool or agent a clean, queryable interface to that data.

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Key benefits

Your data, your database

All transactions are stored in a PostgreSQL database you own. No vendor lock-in — export or delete at any time.

AI-ready via MCP

A built-in Model Context Protocol server lets AI assistants like Claude query your financial data securely, without your bank credentials.

REST API

Query transactions, accounts, and categories from any tool using a structured REST API with cursor pagination, field selection, and filtering.

Multi-user households

Support every family member under one Breadbox instance, with per-user account assignment and attribution-aware filtering.

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Features

  • Bank sync via Plaid, Teller, and CSV import
  • MCP server for AI agent integration (Streamable HTTP at /mcp and stdio)
  • REST API with cursor pagination, field selection, and filtering
  • Admin dashboard for connection management, sync monitoring, and transaction review
  • Transaction rules engine with recursive AND/OR/NOT conditions for auto-categorization
  • Tag-based review workflow — a seeded needs-review tag + ephemeral-tag lifecycle you can narrow, extend, or turn off
  • Account linking to deduplicate transactions across connections (e.g., authorized user cards)
  • Category system with a two-level hierarchy
  • Agent reports for AI agents to submit summaries and flag transactions
  • API key auth with scoped access (full access or read-only)
  • AES-256-GCM encryption for all provider credentials stored at rest
  • Single binary — one Go binary serves everything: API, MCP server, admin dashboard, webhooks, and the sync scheduler

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What you need to get started

Before installing Breadbox, make sure you have the following:
RequirementDetails
Docker (recommended)Docker Engine + Docker Compose, or any Linux/macOS machine
PostgreSQLVersion 16 or later. Docker Compose handles this automatically.
Bank API credentialsA Plaid account (sandbox is free) or a Teller account — or both
Plaid’s sandbox environment is free and includes pre-populated test institutions with realistic transaction history. You don’t need a production Plaid account to try Breadbox.
You can also configure Plaid and Teller credentials after installation through the setup wizard — you don’t need them before you start.

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Next steps

Install Breadbox

Set up Breadbox with Docker, a pre-built binary, or from source.

Get started

Go from zero to your first synced transaction in minutes.