Financial queries and card reconciliation
Query spending categories, cash flow and investment records, or preview matches for an external credit card statement. Results depend on the currently loaded ledger.
Local-First · Cross-Platform Personal Finance Hub
GuGuFin Personal Finance App
No login required, local-first. Manage expenses and net worth, with macOS MCP tools for your AI agent.
No Login Local Storage Privacy First Encrypted Backup macOS Native AI MCP Protocol
GuGuFin macOS MCP Server
Connect your AI agent to your finances
Use Model Context Protocol (MCP) with an agent that supports local HTTP MCP to query GuGuFin records, organize financial reports, reconcile credit card statements and prepare write proposals.
Local endpoint, your choice of AI service
The MCP endpoint runs on your Mac. Tool results go to your chosen agent and may be processed by its cloud AI provider. Ledgers with iCloud enabled also sync through Apple.
Preview and approve before writing
Writes start as proposals. Your agent should show the complete details and obtain explicit approval before calling the confirmation tool. Missing accounts, amounts or dates require clarification.
Analyze my dining expenses last month and list the unrealized P&L of my US stock portfolio.
MCP Tools call
get_category_breakdown & get_investment_activity Financial Analysis Report Ready:
- Dining Expenses: Totaled $14,280 (28.5% of total expenses), up 12% MoM, largely driven by 3 weekend dinners.
- US Holdings: Valued at approx. $21,400, current overall unrealized P&L is +14.2% (+$2,660).
Illustrative data; actual results depend on your ledger and AI client.
Four Core Scenarios
GuGuFin is more than a bookkeeping tool — it connects daily spending, balance sheet, investments, and long-term planning into one coherent flow.
Daily Bookkeeping
Income, expenses, bill splits, credit card reconciliation, and statement imports in one place. Capture quickly, organize cleanly.
Assets & Liabilities
Bring cash, stocks, mutual funds, crypto, precious metals, cards, and receivables into a unified view for crystal-clear net worth tracking.
Investments & Projects
Manage consumption and investment projects with budgets, recurring periods, and conditional statistics to turn goals into progress bars.
Reports & Planning
From cashflow breakdowns to balance sheets, XIRR returns, and FIRE calculators — master past performance while charting future milestones.
Capability Map
Here is the full landscape of core capabilities provided by GuGuFin, from data logging to long-term wealth planning.
Assets & Liabilities View
Supports General, Stocks, Cash, Crypto, Funds, Credit Cards, Receivables, and Metals in one unified net worth dashboard.
Reports & Analytics
Cashflow breakdowns, tag analytics, balance sheets, asset allocation, P&L, XIRR performance, and FIRE calculators reveal deep financial trends.
Projects & Planning
Expense projects, investment projects, recurrence, conditional stats, budgeting, stop-loss/take-profit, and asset tracking.
Local-First Architecture
GuGuFin requires no login. Data lives on your device with optional password-encrypted backups — your sovereign financial hub.
Apple iCloud Sync and Sharing
Sync ledgers across iPhone, iPad, and Mac, and invite other Apple users to share the same ledger.
Learn about sync and sharing →Everyday Bookkeeping
Bookkeeping remains essential as the foundation of your personal financial hub. Here is how GuGuFin streamlines daily tracking.
Income Tracking
Quickly log salary, side gigs, dividends, bonuses, and other income to maintain transparent cashflow records.
Expense Tracking
Record daily spending, reimbursements, travel, and shopping, then organize them with tags and visual charts.
Bill Splitting
Split shared meals or group travel expenses into receivables, keeping track of who owes what effortlessly.
Credit Card Reconciliation
Reconcile statements against existing transactions to spot missing expenses or double charges before paying.
Finance & AI Notes
Practical guides covering double-entry accounting, balance sheets, and next-gen MCP AI bookkeeping.
Part 1 · Bookkeeping Basics
How Detailed Should Your Bookkeeping Be? A Complete Guide from Daily Cashflow to Net Worth
Bookkeeping is more than just tracking how much you spent today. From daily cashflow and balance sheets to long-term financial planning, build a sustainable personal finance system that lasts.
Read Article → Part 2 · Credit Cards & ReconciliationCredit Card Reconciliation: Avoid Double-Counting Payments
Learn how to reconcile credit card payments without counting an expense twice. Record purchases as expenses and card bill payments as transfers, with a clear example.
Read Article → Part 3 · Assets & LiabilitiesHow to Calculate Net Worth: The Differences Between Assets, Liabilities, and Cashflow
Net Worth equals Total Assets minus Total Liabilities. Learn which items belong on your personal balance sheet, common valuation mistakes, and how monthly tracking clarifies your true financial trajectory.
Read Article → Part 4 · AI & MCPGuGuFin macOS MCP Setup: Connect an AI Agent to Your Finances
Set up GuGuFin’s local HTTP MCP Server with an endpoint and Bearer Token. Query personal finance records, preview credit card matches and review write proposals.
Read Article →App Screenshots
Frequently Asked Questions
What is GuGuFin?
GuGuFin is a local-first personal finance hub combining daily bookkeeping, balance sheets, investment tracking, reports, and FIRE planning in one unified app.
What is GuGuFin macOS MCP Server and how do I use it?
GuGuFin for macOS provides a local MCP Server. Clients supporting local HTTP MCP and Bearer Token authentication can query records and prepare write proposals. See the MCP page for setup and limitations.
Is there any risk of privacy leaks when connecting AI to GuGuFin?
Local storage does not mean AI processing is offline. MCP tool results go to your selected agent and may reach its cloud AI provider. iCloud sync is optional; writes follow a proposal and explicit approval flow.
What asset and liability classes are supported?
Cash, stocks, mutual funds, cryptocurrency, precious metals, credit cards, and accounts receivable.
What reporting and planning tools are included?
Cashflow breakdowns, tag charts, balance sheets, asset allocation charts, P&L statements, XIRR returns, and FIRE calculators.
What can I do with the Project feature?
Track spending or investment goals across specific timeframes, cycles, budgets, conditional filters, and asset monitoring.
How does GuGuFin protect user security?
By prioritizing privacy: local storage, zero mandatory login, and minimal necessary network interactions.
How are backups protected?
Backups can be encrypted with your custom password, ensuring security when storing or transferring your data.
Data Security
ZeroLogin Required
NoPersonal Info Needed
LocalStorage First
PrivacyBy Design
EncryptedBackup Protection
Technology Partners
Special thanks to our service providers for keeping exchange rates and data updates reliable.
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