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Connect Claude to your bank accounts and your plan with Candor Finance.

Claude's own Personal Finance, launched November 5, 2026, links bank accounts on Pro, Max, and Ultra in the U.S. Candor Finance is in Claude's connector directory on every Claude plan, and Claude uses it instead. Candor gives Claude more than a feed of transactions: the goals and budget you set together, your decisions with the reasons you gave, and a review of what's worth talking through.

Start freeAlready have an account? Copy the setup message

Set up Claude in three steps

  1. 1

    Create a Candor account.

    Create your account
  2. 2

    Copy this message into a conversation with Claude.

    Set up Candor from https://candor.money/START.md and walk me through connecting it here.

    Or add Candor Finance from Claude’s connector directory, then send the message above so it adds the finance skill.

  3. 3

    Claude handles the setup its tools support and asks you to approve access to your Candor account.

    Setup got stuck? Get help

What you need in Claude

Candor Finance is in Claude's connector directory on every Claude plan, including Claude Free; Free's one-connector limit is for custom connectors. Add it at claude.ai or in Claude Desktop, and it is there the next time you open the iOS or Android app; adding connectors on mobile is in beta. On Team and Enterprise, an Owner enables it for the organization and each member then signs in. The listing connects the tools, and the setup message adds the finance skill, which every plan can upload.

Check it worked

Start a new conversation with Claude, turn Candor on if asked, and send the message below.

Start a fresh conversation with Candor Finance turned on. Ask Claude to confirm the candor-finance skill is loaded, then open your Candor workspace and name the accounts and dates it can read.

What you should see: Claude names the accounts in Candor and how recent they are. A missing account means limited coverage, not a failed setup.

Check whether the candor-finance skill and Candor access are ready. Tell me about anything missing. If access works, continue my financial task, or start a first check-in on my money if I have not named one. Be clear about gaps in the records.

Where Claude stands on bank accounts

Since November 5, 2026, Personal Finance in Claude links U.S. bank, card, loan, and investment accounts on Pro, Max, and Ultra, in beta. Anthropic says its linked accounts are not available to scheduled tasks, Cowork, or Claude Code, and chats that use them are not saved to memory. Connectors such as Candor work on every plan, in Cowork, and in scheduled tasks.

Use one place for your bank connection. With Candor, Claude sets up goals and a budget from your accounts, keeps your decisions with their reasons, and gets a review of what's worth talking through, and the same workspace opens in your other agents. Anthropic's own finance plugins are for professional work such as valuation models, not household money.

What changed in Claude

November 5, 2026: Anthropic launched Personal Finance in Claude, a beta bank connection on Pro, Max, and Ultra in the U.S.

October 6, 2026: New Cowork tasks and scheduled tasks on Pro and Max run in Anthropic's cloud, so they keep running while your computer sleeps.

September 27, 2026: Candor Finance was listed in Claude's connector directory as a Community connector.

What Candor adds to Claude

A connector that only reads transactions gives Claude a snapshot. Candor gives it the plan: goals measured from your accounts, a budget that pays for them, and each decision with its reason, so a conversation in March can check what you settled in January.

Candor reviews your records and notes and raises what's worth talking through, with the records behind each item. Claude's memory never saves financial account numbers, and it does not need to: the records stay in Candor for Claude and any other agent you connect.

Make it a routine in Claude

Keep money conversations in a project: each project has its own memory, and Free accounts can create up to five projects.

On Pro, Max, Team, and Enterprise, a scheduled task can open Candor on a cadence, such as every Sunday, with the same connectors, skills, and plugins as a regular Cowork task. Scheduled tasks run remotely, so they run even when Claude Desktop is closed.

When Claude setup stops

  • Claude says it cannot reach Candor

    What to do
    This usually means the sign-in did not finish, not that the network is down. Candor's Connections page, linked below, shows whether Claude is connected and the hiccups Claude is known for.

  • Claude says signing in to Candor failed

    What to do
    Send Claude the setup message again so it can pick up where it stopped. Anthropic's connector help, linked below, explains the errors Claude shows.

  • Connected, but Claude does not use Candor

    What to do
    Claude switches connectors on per conversation. Anthropic's connector help, linked below, shows where.

  • The skill will not upload or run

    What to do
    Skills depend on Claude settings Anthropic documents in its skills help, linked below. On Enterprise, an owner turns skills on.

  • You can request Candor Finance but not connect it

    What to do
    On Team plans, an Owner enables directory connectors. Ask one to enable Candor Finance.

What to try with Claude and Candor

Start with a spending question you can check. A budget review lets you compare Claude's proposed categories with your actual transactions before you settle any amounts.

What Candor can and cannot do

Candor is read-only toward your money. It has no tool to move money, pay a bill, trade, or cancel a service, it does not train AI models on your financial information, and it records every agent read and change with its reason. You can revoke an agent, export your data, or delete it from your account.

Candor provides records and calculations, not financial advice; your agent advises and acts only through its own tools, with your okay.

Common questions

Is Personal Finance in Claude the same as Candor?
No. Personal Finance is Claude's own bank connection, launched in beta on November 5, 2026 for Pro, Max, and Ultra in the U.S. Candor is a separate service you add to Claude on any plan instead. It keeps your plan and decisions in a workspace your other agents can use too, and works in scheduled tasks.
Does this set up Claude Code too?
Claude Code installs Candor as a plugin from its own marketplace. Cloud sessions at claude.ai/code can use connectors you added at claude.ai.
Does any of this cost extra in Claude?
The directory connector and skill upload work on every Claude plan, including Claude Free. Scheduled tasks and Claude plugins come with the paid plans.
What does Candor cost?
Candor's Personal plan connects your US banks, cards, and brokerages, so every account and transaction comes in on its own and Candor always reviews current records. It costs from $8.25 a month on the annual plan ($99 a year), or $14.99 month to month, and its first 7 days are free. You can also try Candor free first. Bring your history over from Monarch, YNAB, Copilot, or your bank. Download your transactions there, and your agent adds your accounts from the file. Claude's own plan and usage charges are separate.

Sources

  1. Use connectors to extend Claude's capabilities Anthropic, October 1, 2026
  2. Use skills in Claude Anthropic, September 22, 2026
  3. What are projects? Anthropic, October 14, 2026
  4. Schedule recurring tasks in Claude Cowork Anthropic, October 14, 2026
  5. Connector troubleshooting Anthropic
  6. Use Personal Finance in Claude Anthropic, November 6, 2026
  7. Introducing Personal Finance in Claude Anthropic, November 5, 2026
  8. Claude: add and authorize a custom connector Anthropic
  9. Claude: import a plugin marketplace Anthropic

Setup files for agents: Claude connection materials

If setup gets stuck

Let’s get you connected.

Claude does the setup. When it stops, the answer is usually one of a few things it can ask for, and all of them are ready in your Candor dashboard.

Already connected? Check it worked

Finish setup from your Candor dashboard

Sign in, pick Claude, and follow the three steps. The page shows the moment Claude connects, and it has the connection details ready if Claude asks.

Open setup for Claude

Before you start with Claude

Claude's connector directory is on every plan, including Free, and its connectors do not use Free's one custom connection. Add Candor Finance from Connectors in Claude on the web, Claude Desktop, or the phone app, where Claude still calls adding from the phone a beta. On Team or Enterprise, an owner may need to enable it first.

Stuck? Tell us where it stopped.Email us
Claude asks for a server address or connection details

Most apps only need the address. Choose OAuth for authentication and leave Client ID and Client Secret blank; the app registers itself and discovers the rest from the address.

https://api.candor.money/mcp

If Claude asks for more than the address, every connection setting is on the connect page.

Claude needs the finance skill file

Most apps install it with the connection. If Claude asks for the file, download the complete skill and upload it through the app’s skill control, not as a chat attachment. Keep the whole candor-finance folder, including methods and references.

Official Claude instructions

Button names move. When they do, the app’s own instructions win; the Candor values above stay the same.

Bring Claude the money question you've been putting off.

The Personal plan connects your US banks, cards, and brokerages, so every account and transaction comes in on its own and Candor always reviews current records. You can also try Candor free first, with your history from the app or bank you use now. Either way, setup is one message to your agent.

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