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 and invest). The API gives you programmatic access to this entire onboarding flow.

Quick Start

All requests require an X-RM-Agent-Key header.

Check user status

curl -H "X-RM-Agent-Key: YOUR_KEY" \
  "https://app.rightmoney.com/api/onboarding/agent/status?userId=USER_ID"

Classify transactions

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"

Get financial summary

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"

Confirm classifications

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:

POST /api/onboarding/agent/start — 200 OK

{
  "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 an MCP server for Claude, ChatGPT, and any MCP-compatible AI assistant. AI agents can integrate with Right Money natively without writing any API code.

Claude Desktop config

{
  "mcpServers": {
    "rightmoney": {
      "command": "node",
      "args": ["/path/to/right-money/mcp-server/index.js"],
      "env": {
        "RM_AGENT_API_KEY": "your-agent-api-key"
      }
    }
  }
}

See the full MCP server setup guide for details.

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.

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