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.
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