Build with Right Money
Integrate financial wellness into any AI agent or app. Set up a user's three-bucket system in under 5 minutes via API.
How It Works
Connect Bank
User links their bank account via Plaid (must happen in a browser)
AI Classifies
Transactions are automatically sorted into buckets
User Confirms
Review and adjust classifications if needed
Dashboard Ready
Three-bucket financial overview is live
Right Money organizes every dollar into three buckets: Bills (fixed obligations), Lifestyle (daily spending), and Freedom (what's left to save). The API gives you programmatic access to this entire onboarding flow.
Quick Start
All requests require an X-RM-Agent-Key header.
curl -H "X-RM-Agent-Key: YOUR_KEY" \
"https://app.rightmoney.com/api/onboarding/agent/status?userId=USER_ID"curl -X POST -H "X-RM-Agent-Key: YOUR_KEY" \
-H "Content-Type: application/json" \
-d '{"userId": "USER_ID"}' \
"https://app.rightmoney.com/api/onboarding/classify"curl -X POST -H "X-RM-Agent-Key: YOUR_KEY" \
-H "Content-Type: application/json" \
-d '{"userId": "USER_ID"}' \
"https://app.rightmoney.com/api/onboarding/agent/start"curl -X POST -H "X-RM-Agent-Key: YOUR_KEY" \
-H "Content-Type: application/json" \
-d '{"userId": "USER_ID", "changes": [{"merchant_pattern": "SPOTIFY", "new_bucket": "lifestyle"}]}' \
"https://app.rightmoney.com/api/onboarding/agent/confirm"Endpoint Reference
| Method | Path | Description |
|---|---|---|
| GET | /api/onboarding/agent/status | Check onboarding status and current step |
| POST | /api/onboarding/classify | Trigger AI classification of transactions into buckets |
| POST | /api/onboarding/agent/start | Get the full financial summary (three-bucket breakdown) |
| POST | /api/onboarding/agent/confirm | Confirm or adjust classifications, create merchant rules |
Full OpenAPI 3.1 spec available at /openapi.json or /api/openapi
Response Example
The /agent/start endpoint returns a complete financial summary when the user is ready:
{
"status": "ready",
"summary": {
"income": {
"monthly_total": 5000,
"sources": [
{
"pattern": "ACME CORP PAYROLL",
"monthly_amount": 5000,
"frequency": "biweekly",
"is_recurring": true
}
]
},
"bills": {
"monthly_total": 2100,
"percentage": 42,
"items": [
{
"pattern": "ZILLOW MORTGAGE",
"monthly_amount": 1500,
"frequency": "monthly",
"is_recurring": true,
"bill_group": "housing"
},
{
"pattern": "GEICO AUTO",
"monthly_amount": 150,
"frequency": "monthly",
"is_recurring": true,
"bill_group": "insurance"
}
]
},
"lifestyle": {
"monthly_total": 1400,
"percentage": 28
},
"freedom": {
"monthly_total": 1500,
"percentage": 30
},
"months_of_freedom": 3.2,
"total_balance": 9600,
"top_recurring": [
{
"pattern": "ZILLOW MORTGAGE",
"bucket": "bills",
"monthly_amount": 1500,
"frequency": "monthly",
"bill_group": "housing"
},
{
"pattern": "SPOTIFY",
"bucket": "lifestyle",
"monthly_amount": 10.99,
"frequency": "monthly",
"bill_group": null
}
],
"unconfirmed_count": 47,
"classification_confidence": 0.87
}
}MCP Server
Right Money is available as a hosted MCP server for Claude, ChatGPT, and any MCP-compatible AI assistant. There's nothing to install — point your client at the endpoint and approve access with OAuth. The agent then acts on your behalf.
https://app.rightmoney.com/api/mcpAdd the endpoint URL in any MCP client that supports remote servers. It walks you through OAuth consent the first time you connect — no API key and no local install required.
Right Money Business
Business accounts expose live, classified financial data to AI agents. Authenticate with a business API key (rm_biz_…) in the X-RM-Agent-Key header. The key is tied to one business — no user ID needed.
| Method | Path | Description |
|---|---|---|
| GET | /api/business/agent/transactions | Classified transactions with entity attribution (filter by date / COA category / business_id) |
| GET | /api/business/agent/coa | Full Chart of Accounts |
| GET | /api/business/agent/summary | Income/expense totals by COA category (period) |
| GET | /api/business/agent/cash-flow | Monthly inflows vs outflows + running balance (period) |
| GET | /api/business/agent/accounts | Connected accounts with balances |
| GET | /api/business/agent/businesses | Member businesses (entities) for entity-segmented feeds |
curl -H "X-RM-Agent-Key: rm_biz_YOUR_KEY" \
"https://app.rightmoney.com/api/business/agent/summary?period=quarter"The same data is available over the hosted MCP server at /api/mcp. Authenticate the MCP connection with your business key (rm_biz_…) in the X-RM-Agent-Key header (or as an Authorization: Bearer token) — a business key sees only the business tools below, and consumer OAuth tokens never see them. The tools are:
| MCP Tool | Params | Returns |
|---|---|---|
| get_business_transactions | date_from?, date_to?, coa_category?, business_id? | Classified transactions (newest first) with entity attribution |
| get_business_coa | — | Full Chart of Accounts |
| get_business_summary | period (month|quarter|year) | Income/expense totals by COA category + net |
| get_business_cash_flow | period (month|quarter|year) | Monthly inflows vs outflows + running balance |
| get_business_accounts | — | Connected accounts with current balances |
| business_list_businesses | — | Your member businesses (entities), independent of groups |
| business_list_groups | — | Your business groups with member businesses |
| business_list_members | group_id | Member businesses of one group |
| business_get_group_summary | group_id, period?, cash_flow_period? | Combined financials across a group's members |
| business_get_group_transactions | group_id, offset?, limit?, date_from?, date_to?, business? | Paginated transaction export across a group |
Want to integrate Right Money into your AI agent?
API keys are issued on request during beta. Book a call with Steve to get started.
Get API Access