What changed?
You no longer need to connect a bank to see what Candor does. Bring your history over from Monarch, YNAB, Copilot, or your bank. Download your transactions there, and your agent adds your accounts from the file.
From there, ChatGPT, Claude, or the agent you already use works the way it would with connected accounts. It sorts the charges, sets up goals measured from your accounts and a budget that pays for them, and saves the plan with its reasons. Candor reviews your records and tells it what matters most, and every figure comes from your records, not from a model's guess.
What do you need?
A transactions file and an AI agent that can use Candor. ChatGPT and Claude both work, including their free plans. Add Candor from ChatGPT's plugin directory or Claude's connector directory. Grok Bot, Meta Muse, Codex, and other agents have setup guides.
Most finance apps and banks let you download transactions as a CSV. Upload it on Candor's Accounts page or through a link your agent sends you. Your agent checks how the columns map and previews the result before anything is added.
No card needed to start.
What does the Personal plan add?
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.
When you connect a bank, Candor matches it to the accounts you brought over and asks about any it can't match, so the same money isn't counted twice. Your goals, budget, and plan stay where they are.
What can Candor see and do?
Candor can't move money, pay bills, or change anything at your bank, and it doesn't sell your data or train models on it. Candor records every time your agent reads or changes something, with the reason it gave.
Start this with your agent
Paste this into Claude, ChatGPT, or the agent you use. It sets up Candor, walks you through approving its access and connecting your accounts, then starts on the plan. If setup stalls, your AI's setup guide below has the steps.
Set up Candor from https://candor.money/START.md and walk me through connecting it here. I downloaded my transactions from my old finance app. Help me bring them into Candor, then tell me where my money goes and what you'd look at first.
Common questions
- Do I need a card to try Candor?
- No card needed to start. You add a card only when you start the Personal plan.
- Do my budgets and goals come over from my old app?
- Your transactions and accounts do, with your old app's categories. Budgets and goals don't come over in an export, so tell your agent what you want, and it sets them up from your real accounts.
- Do I have to cancel my old app first?
- No. Export while you still have access, and keep both until you have compared them.
- How much 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.