About Candor
The finance app for your AI agent.
Candor is the platform your AI agent uses to look after your whole financial life the way a personal financial advisor would, from everyday spending to investments and retirement. It works with the AI you already use, such as Claude, ChatGPT, Grok Bot, or Meta Muse: Candor tells your agent what's worth your attention and why, keeps your accounts and plans organized, and remembers what you decided. Candor never moves money.
Updated September 25, 2026
What Candor does
Candor is the workspace where your agent works on your money, built on read-only access to your bank, card, loan, and investment accounts. Your agent does the work there with you: it reviews what changed, keeps the budget current, and follows through on what you decided.
Raises what deserves attention
Candor watches your records and notes and picks the few situations an adviser would bring up now, such as cash running short before rent, savings earning nothing, a promo rate ending, or a duplicate charge. Each one arrives with the figures behind it, ready for your agent to pick up. When nothing qualifies, it stays quiet.
Keeps your accounts organized
Transactions are categorized and recurring charges are detected automatically, so your bills and subscriptions are already on the schedule. Your agent corrects anything that is off, and the fix sticks.
Holds the budget and goals you approve
Your agent drafts a budget and goals from your real spending, and you approve them. Candor tracks progress and pace against them with exact figures.
Remembers what you decided
Decisions, reasons, and follow-ups are saved in the workspace, so the next conversation, even in a different agent, picks up where the last one ended.
Shows it all on a dashboard
A web dashboard shows what needs attention, spending, recurring charges, budgets, goals, accounts, investments, and everything your agent did, with the reason it gave.
What makes Candor different
Most finance apps are something you open and check. Candor is built for the AI you already use, so the work happens in a conversation, and what you decide is still there next time.
It works in the AI you already use
Candor works in Claude, ChatGPT, Grok Bot, Meta Muse, Codex, OpenClaw, and other agents that support MCP, and it is listed in the ChatGPT plugin directory as Candor Finance. As of September 24, 2026, Monarch's MCP connector is paused, Copilot Money's is a read-only beta behind a waitlist, and YNAB has no official connector.
Your agent keeps what you decided
Budgets, goals, corrections, and notes persist in the workspace with the reason behind each, so you do not re-explain your finances every conversation. Switch agents and the history comes with you.
It raises what matters and leaves the decision to you
Candor chooses what to bring up and shows why. Your agent works through it with you and recommends a course of action. You decide.
Figures are computed, not guessed
Totals, budget pace, cash runway, and recurring payment matches are calculated from your records, so your agent quotes a figure instead of estimating one.
It cannot move money
Candor is read-only. It has no tool to move money, pay a bill, trade, or change anything at your bank. Every read your agent makes is logged with its reason, and you can revoke access, export, or delete your data anytime.
Who uses Candor
Candor is for people who already use an AI agent, such as Claude, ChatGPT, Grok Bot, or Muse, and want it looking after their money without another app to check. It fits anyone with a few accounts, bills, and goals who wants an advisor's attention without an advisor's fee. It is not a budgeting app for manual tracking, and it does not replace licensed tax or investment advice.
- People who already ask Claude, ChatGPT, or another agent about money and want it working from their real records.
- People who want an advisor's attention on everyday money without an advisor's fee.
- People with several accounts, cards, and subscriptions who want bills and the budget kept current without a spreadsheet.
- Developers and agent builders who want a finance app their agent can use through MCP, a CLI, or an API.
How Candor works
You link your accounts, connect your agent with one setup message, and your agent opens the workspace when you ask or on a schedule. Candor has already organized the records and picked what deserves attention, so the conversation starts with something useful.
- 1
Create a Candor account and link your accounts through a secure account-linking provider. Candor and your agent never see your bank login.
- 2
Copy one setup message into your agent and approve its access.
- 3
Candor organizes your records and raises what deserves attention. Your agent picks it up when you ask, or on a schedule if your agent supports scheduled tasks.
- 4
What you approve, such as a budget, a goal, or a charge you keep, is saved with its reason.
Agents reach Candor through a remote MCP server, or through the Candor CLI when they run on your computer. Access is authorized with OAuth, and you can revoke any agent from the dashboard.
The team behind Candor
Candor was founded in 2026 by Ian Finlay and is based in San Francisco.
Key facts
- Name
- Candor, listed as Candor Finance in agent directories
- Website
- candor.money
- Category
- Personal finance workspace for AI agents
- Founded
- 2026
- Founder
- Ian Finlay
- Headquarters
- San Francisco, California
- Available in
- United States
- Pricing
- From $8.25 a month, no minimum. Free for 7 days, then billed monthly or yearly.
- Works with
- Claude, ChatGPT, Grok Bot, Meta Muse, Codex, OpenClaw, and other agents that support MCP
- Agent access
- Remote MCP server, CLI, and REST API, authorized with OAuth
- Accounts
- Banks, credit cards, loans, and brokerages through a secure account-linking provider
- Money movement
- None. Candor is read-only and cannot move money or pay bills
- Your data
- Export, disconnect, revoke, or delete anytime. No ads, never sold, not used to train models
- Compared with
- Monarch Money, Copilot Money, YNAB
- Support
- support@candor.money
- Social
- X (@usecandor), LinkedIn, GitHub
Common questions
- What is Candor?
- Candor is the platform your AI agent uses to look after your whole financial life the way a personal financial advisor would, from everyday spending to investments and retirement. It works with the AI you already use, such as Claude, ChatGPT, Grok Bot, or Meta Muse: Candor tells your agent what's worth your attention and why, keeps your accounts and plans organized, and remembers what you decided. Candor never moves money.
- How much does Candor cost?
- Candor has one Personal plan starting at $8.25 per month on the annual plan ($99/year). Also available: $14.99/month. The free trial lasts 7 days; billing starts after the trial. There is no minimum balance. All billing options and the exact charge are shown before Checkout. Cancel anytime by opening Candor’s Manage billing link and completing cancellation in Stripe’s billing portal. Candor has no ads and does not sell your data. You’re the customer, not the product.
- Is Candor a financial advisor?
- No. Candor is software, not a registered investment adviser. It supplies your records, exact figures, and the situations worth attention; your own agent interprets them and recommends, and you decide. For tax or investment advice that needs a license, talk to a professional.
- Is Candor Finance the same as Candor?
- Yes. Candor Finance is the name Candor uses in agent directories such as the ChatGPT plugin directory. The company and the product are both Candor, at candor.money. Candor is not affiliated with other companies that use the name.
- Who founded Candor?
- Ian Finlay founded Candor in 2026. The company is based in San Francisco.
Contact
Questions about the product or a connection go to support@candor.money. Security reports go to security@candor.money. Do not send credentials, access tokens, full account numbers, or raw financial data by email.