OpenBudget: Revenue, team and how it was built
OpenBudget (Read-only connector that gives AI assistants a user's bank, card and investment data, United States): US$1.4K a month recurring revenue, November 2026. Evidence grade A: disclosed by a company or a filing, or verified by a payment processor. Team: Founder Anna Lein; 2 to 5 people (TrustMRR profile). Launched March 2026; still running, revenue growing.Added 1 November 2026 · updated 2 November 2026
- Outcome
- US$1.4K a month recurring revenue, November 2026Revenue growing
- Evidence
- A disclosed by a company or a filing, or verified by a payment processor
- Launch
- March 2026
- Status
- Still running
- Team
- Founder Anna Lein; 2 to 5 people (TrustMRR profile)
- Outside funding
- None: "independent and self-funded"
- Main channel
- Search and AI answers
OpenBudget is a connector, a small service that lets an AI assistant read data from somewhere it cannot reach by itself. Here the data is the user's money: the user signs in to a bank inside the window of Plaid, a US company that links apps to more than 10,000 banks and passes back read-only access to transactions and balances, so OpenBudget never sees the bank password. OpenBudget then offers this data to Claude, ChatGPT and other assistants through the Model Context Protocol (MCP), an open standard by which an AI assistant discovers and calls the tools of an outside service. The assistant can ask for last month's grocery spending, save a rule that files a shop under a category, split one purchase into two budget lines, list card balances and due dates, or run a check-in every morning. The same data is written into a Google Sheet or Excel workbook. The company's pages say it is not a bank, not an investment adviser, and has "no transfer, payment, or trading surface".
The about page names Anna Lein as founder and says the project is independent and self-funded; the privacy policy and terms of service name the operating company as Liftify LLC. The first copy of the site in the Internet Archive is from 28 March 2026, and the first revenue in TrustMRR's monthly timeline is US$29.85 in March 2026. TrustMRR, a site that reads revenue directly from a company's payment processor, showed on 1 November 2026 a monthly recurring revenue (MRR, the sum of all active subscriptions counted for one month) of US$1,396 from 197 active subscriptions, US$12,853 of revenue in total, and US$3,101 in September 2026, the best month so far.
The revenue numbers are grade A: Stripe data read through an API key. The team size, the founding date and the description are founder-written profile text, grade C. The page also shows four earlier personal-finance companies that tried to make money from aggregated bank data, and why they failed.

How much revenue does OpenBudget make?
Each row shows the evidence grade and the source numbers from the list at the end of this page. The grades are explained in How Aiolum verifies.
| Fact | Value | Grade | How we know | Sources |
|---|---|---|---|---|
| Monthly recurring revenue, synced 1 November 2026 | US$1,396 from 197 active subscriptions | A | TrustMRR metric snapshot; Stripe connected by API key, revenue last synced 2026-11-01T23:24:28Z. Stripe is not the merchant of record. TrustMRR shows MRR growth of +21.4% over the last 30 days. | [1] |
| Run rate from the MRR | about US$16,752 a year | calc | Calculated: US$1,396 times 12. This is the headline figure in dollars a year. | [1] |
| Average MRR per subscription | about US$7.09 | calc | Calculated: US$1,396 divided by 197. It lies between the Base yearly price (US$5 a month) and the monthly prices (US$9.95 and US$12.95), so the customers are a mix of yearly and monthly payers. | [1, 4] |
| Total verified revenue, synced 1 November 2026 | US$12,853 | A | TrustMRR. Last 12 months: US$12,793; last 6 months: US$12,314; last 3 months: US$8,189; last 30 days: US$2,884 (-7.6% against the 30 days before). | [1] |
| Revenue by month, 2026 | March US$29.85; April US$319; May US$619; June US$1,380; July US$2,066; August US$2,255; September US$3,101; October US$2,991 | A | TrustMRR monthly timeline. The timeline starts in March 2026. The eight months add up to about US$12,761 (calculated); TrustMRR's all-time total is US$92 higher, and the profile does not say where the difference comes from. | [1] |
| September and October 2026 against July and August 2026 | about US$3,046 a month against about US$2,161, a rise of about 41% | calc | Calculated: averages of the two monthly values in each pair. October was about 3.5% below September. Yearly subscriptions are paid all at once, which makes single months uneven, as Agent Money List also notes. | [1, 2] |
| Profit margin, last 30 days | 40% | A | TrustMRR metric snapshot. How the costs were entered is not shown on the public profile. | [1] |
| Earlier TrustMRR reading, 29 October 2026 | MRR US$1,362; US$2,879 in the last 30 days; US$12,658 in total; 194 active subscriptions | A | Agent Money List entry, which copies TrustMRR and says it re-checked the figure live on 29 October 2026. It is the same Stripe data, not an independent second source. | [2] |
| Founder | Anna Lein | C | About page: "Anna Lein - Founder, OpenBudget". The TrustMRR profile and the home page name no founder. | [3] |
| Operating company | Liftify LLC | C | Privacy policy and terms of service: "Liftify LLC. (“ OpenBudget ”, “ we ”, “ our ”, or “ us ”)". The terms refer disputes to the American Arbitration Association under US federal law. | [6, 7] |
| Team and funding | 2 to 5 people; bootstrapped | C | Founder-written fields of the TrustMRR profile. The about page: "The project is independent and self-funded." | [1, 3] |
| Founding date in the profile | 11 March 2023 | C | Founder-written TrustMRR field. It does not match the product's first traces in March 2026 (first revenue month and first Internet Archive copy); it may be the date of the company or of an earlier project. Not verified. | [1, 9] |
| Time from launch to the November 2026 figure | 8 months | calc | Calculated: March 2026, the first revenue month, to November 2026. | [1, 9] |
| Bank access | read-only through Plaid; no bank password stored | C | Security page: "It cannot move money, make a payment, place a trade, transfer an asset, or change a record at your financial institution." Data is "encrypted at rest in our database". | [5] |
| Marketing channel | SEO | C | Founder-written TrustMRR field. The site has a blog, guides and comparison pages. TrustMRR's SEO data gives the domain a rating of 13.0 (synced 25 October 2026). The privacy policy also describes Google Ads conversion tracking. | [1, 6, 8] |
How to read this table: a grade A value comes from TrustMRR's connection to the company's Stripe account. A grade C value is the company's own words, on its pages or in the founder-written parts of its TrustMRR profile. An X value was calculated on this page from the rows it names.
| Plan | Per month, billed yearly (US$) | Per month, billed monthly (US$) | Limit |
|---|---|---|---|
| Base | 5 | 9.95 | up to 10 institutions; US$60 a year; banking, AI access, rules, spreadsheet sync |
| Investor | 8.25 | 12.95 | up to 15 institutions; US$99 a year; adds brokerage and retirement accounts |
Both plans start with a 7-day free trial; the page says the company emails on day 6, before the trial ends. The about page says there is one subscription and no other revenue: no ads, no sale of data and no referral fees for financial products. Only US banks and other US financial institutions are supported.
When did OpenBudget launch, and how did it grow?
From a site that sent transactions to Claude, ChatGPT and spreadsheets in March 2026 to a budgeting tool set for many AI assistants seven months later. Each entry carries its grade.
- 28 March 2026CFirst copy of openbudget.sh in the Internet Archive: "Your transactions in Claude ChatGPT and spreadsheets", an MCP server for Claude and ChatGPT and live sync to Google Sheets and Excel, powered by Plaid. [9]
- March 2026AFirst month with revenue in TrustMRR's timeline: US$29.85. [1]
- June 2026ARevenue passes US$1,000 in a month for the first time: US$1,380. [1]
- 12 to 14 August 2026CBlog posts on exporting American Express transactions, on whether Monarch Money connects to Claude, and a comparison with Era, another AI money assistant. [8]
- September 2026ABest month so far: US$3,101. [1]
- 29 October 2026AAgent Money List adds OpenBudget with TrustMRR's figures: MRR US$1,362 from 194 subscriptions. [2]
- 1 November 2026ATrustMRR sync: MRR US$1,396 from 197 subscriptions, US$12,853 in total. The site now lists connectors for Claude, ChatGPT, Claude Code, Codex, Cursor, Hermes and OpenClaw, and an Investor plan for brokerage and retirement accounts. [1, 8]
Why did OpenBudget work?
Four causes, in the order they mattered. Each one is a reusable lesson.
Timing
By 2026 Claude and ChatGPT could call outside tools through MCP and run recurring tasks, as OpenBudget's own pages describe, but they could not see a bank account. OpenBudget's first page in March 2026 sold only that link, to Claude, ChatGPT and spreadsheets; revenue reached US$1,380 a month by June 2026 according to TrustMRR.
Plaid does the hard part
Connecting to 10,000+ banks, handling their logins and keeping the access read-only is Plaid's business. OpenBudget's own work is the layer above it: storing transactions, categorizing them, and turning them into tools that an assistant can call.
Tools, not just raw rows
The assistant gets actions, not only a transaction list: saved category rules, split purchases, notes, card and loan balances with APRs and due dates, and investment holdings on the higher plan. The assistant does the reasoning; OpenBudget supplies the data and the place to store the user's rules.
A low price and many entry pages
The price is US$5 a month on a yearly plan. The site has one page per AI client and per spreadsheet, plus guides, comparisons and blog posts, matching the SEO channel named in the TrustMRR profile.
How it was built
These details come from the company's pages and the founder-written parts of its TrustMRR profile. They are grade C. [1, 5, 6, 4, 10]
- Next.js and Tailwind CSS on the front end; MongoDB and Stripe on the back end (TrustMRR tech stack field).
- Bank, card, loan and investment connections through Plaid; the user signs in inside Plaid's window and Plaid returns a revocable access token.
- An MCP server tied to the user's account, so that Claude, ChatGPT, Codex, Cursor, Hermes, OpenClaw and other assistants can read data and change records stored in OpenBudget (categories, notes, rules, manually tracked holdings), but nothing at a bank.
- Automatic sync of categorized transactions into Google Sheets and Excel: pick a sheet, map accounts to tabs, and new and pending transactions are written as they arrive.
- PostHog for product analytics, cookieless until the visitor accepts tracking; Google Ads conversion tracking after consent (privacy policy).
- An affiliate program with commission agreed by email, and a partners page.
Tools named in the sources
Each one opens its page in the Tools tab, with every story that uses it.
Who tried this before OpenBudget, and why did they fail?
Four companies in our database of failed startups tried to build a business on people's aggregated financial data. The values below are from that database and are not independently verified.
Wesabe
The promisePersonal money management with community tips and goal tracking, built on the user's bank data.
Why it diedIts account aggregation was harder to use than Mint's, which won the users and was bought by Intuit.
Cake Financial
The promiseTrack your investment portfolio and compare its performance with peers and professionals.
Why it diedMint offered portfolio tracking inside a broader free tool, the 2008 crisis scared investors, and it found no way to charge.
Clarity Money
The promiseAn app for expense tracking, budgeting and cancelling unwanted subscriptions.
Why it diedGoldman Sachs bought it in 2018, folded its technology into Marcus and closed the brand.
Cushion
The promiseWatch bank accounts for overdraft fees and get them refunded automatically.
Why it diedBanks cut its fees and blocked or throttled the Plaid connections it depended on.
The failed startups come from our database of 1,749 dead startups, retold here in our own words. Its entries are AI-assisted summaries of public sources, so these cards carry no evidence grade.
What changed
The four earlier companies had to build the whole product themselves: the connections to banks, the screens, the charts and the advice. Most of them gave the product away and hoped to earn later from advertising, financial products or a buyer.
OpenBudget does not build the screens or the advice. The user's own AI assistant is the interface and does the analysis, Plaid does the bank connections, and OpenBudget charges a subscription for the layer in between. That keeps the product small enough for a team of 2 to 5. Cushion's history shows the risk that remains: a business that rests on Plaid connections depends on banks and Plaid continuing to allow them.
Can one person copy OpenBudget now?
Yes, for any data that AI assistants cannot reach yet.
The method is general: find personal or business data that sits behind a login, connect to it through an official aggregator or API, and sell it to people's AI assistants as MCP tools, with a spreadsheet sync for those who still want rows. The money needed is mostly the aggregator's fees and the time to pass its production review.
Where it is still open: Other records that sit behind a login, such as utility bills, payroll, invoices, shipping and loyalty accounts, and small-business data in accounting tools, offered to the assistants that people already pay for.
- 1Pick data that people already export by hand to a spreadsheet, and an official API or aggregator for it.
- 2Expose it as an MCP server with tools for the tasks people repeat, not only raw reads.
- 3Keep access read-only and say so on a security page, in plain words.
- 4Write one page for each AI client and each spreadsheet, plus guides that answer the questions people search for.
What could go wrong for OpenBudget?
The risks are the mirror image of the causes above.
Young and small
The product is about eight months old and the monthly figures cover March to October 2026 only. US$1,396 of MRR is a small base, and October 2026 revenue (US$2,991) was about 3.5% below September.
Founder-written fields
Team size, funding, the SEO channel and the founding date of 11 March 2023 are written by the founder on TrustMRR. The founding date does not match the product's first traces in March 2026 and is not verified.
Dependence on Plaid and on the AI platforms
Bank access rests on Plaid, whose per-connection fees are not public; Agent Money List notes that at US$5 a month these fees and support take a large share of each subscription. The product also lives inside other companies' assistants, which could add their own bank connections.
Sensitive data and wording
OpenBudget stores users' transactions, balances and investment data, encrypted at rest according to its security page. The home page calls this "Bank-grade security"; the security page explains that phrase as credentials kept by Plaid, read-only access, TLS and encryption at rest. No audit report or certification is named on the pages read. The terms say that nothing in the service is financial advice and that the AI's answers come from the third-party AI tool.
Advertising tracking
The privacy policy says that, after consent, a subscription can send Google a hashed email address for Google Ads conversion measurement, and that financial data is never sent to Google.
Sources
The grade next to each source is the best grade that the source can support. "Read in full" means that the text of the page was downloaded and the numbers were checked in it.
- A TrustMRR: openbudget.sh, markdown profile, synced 1 November 2026Read the markdown profile, downloaded 2 November 2026 (UTC). Revenue, MRR, subscriptions and profit margin are verified through a Stripe API key; team, funding, founding date, tech stack and channel are founder-written (grade C).
- A Agent Money List: OpenBudget, $1.4K verified MRR (added 29 October 2026)Read in full. Copies TrustMRR's figures as of 29 October 2026; its cost and risk notes are its own estimates.
- C OpenBudget: About, Your Money, Made AnswerableRead in full. Source for the founder's name, self-funding, the price and what the product is not.
- C OpenBudget: Pricing, 7-Day Free TrialRead in full, including the embedded price data for the monthly prices.
- C OpenBudget: How Your Financial Data Is ProtectedRead in full. Source for read-only access, Plaid and storage.
- C OpenBudget privacy policy (Liftify LLC)Read the sections on the operating company, analytics, advertising and AI tools.
- C OpenBudget terms of service (Liftify LLC)Read the sections on the company, account data, AI tool integrations and disputes.
- C OpenBudget home page, 2 November 2026Read in full. Source for the features, supported AI clients and the blog dates.
- C OpenBudget home page, Internet Archive copy of 28 March 2026Read in full. The earliest copy that the Wayback availability API returned.
- C OpenBudget: Affiliate programRead in full. Commission is agreed by email; no earnings claims.
- C Database of failed startups, local exportLocal export. AI-written summaries, not independently verified. Source for the failed predecessors.