Import bank statements, categorize transactions with AI, surface spending anomalies, and get actionable advice — all without your financial data leaving your machine.

Named after Frank J. Wilson, the forensic accountant who followed the money to convict Al Capone.

Features

• Bank CSV import — Auto-detects Chase, American Express, and generic CSV formats
• Monarch Money sync — Pull transactions directly from your Monarch Money account
• AI categorization — Classifies transactions into 18 spending categories using your choice of LLM
• Spending summaries — Breakdowns by category, merchant, or time period with comparisons
• Anomaly detection — Flags duplicate charges, unusual spikes, and forgotten subscriptions
• Export — Save filtered transactions to CSV or XLSX
• Web search — Research merchants and financial questions (Exa, Perplexity, Tavily, Brave)
• MCP extensibility — Add tools via Model Context Protocol servers
• Orchestration — Chain tools sequentially or run parallel teams for complex workflows
• Skills — Multi-step workflows like subscription audits, extensible with custom skills
• 9 LLM providers — OpenAI, Anthropic, Google, xAI, Moonshot, DeepSeek, OpenRouter, LiteLLM, and Ollama (local)

Quick Start

Prerequisites

• Bun v1.1+
• An LLM provider: either Ollama running locally or an API key for a cloud provider

Install & Run

git clone https://github.com/openaccountant/wilson.git
cd open-accountant
bun install
cp env.example .env   # edit with your API key(s)
bun start

First Steps

1. Import transactions — Drop a CSV into the chat: Import my transactions from ~/Downloads/chase.csv
2. Categorize — Categorize my uncategorized transactions
3. Explore — What did I spend on dining last month?
4. Audit — Find any unusual charges or forgotten subscriptions

LLM Providers

| Provider | Prefix | API Key Env Var | |---|---|---| | OpenAI | gpt- | OPENAI_API_KEY | | Anthropic | claude- | ANTHROPIC_API_KEY | | Google | gemini- | GOOGLE_API_KEY | | xAI | grok- | XAI_API_KEY | | Moonshot | kimi- | MOONSHOT_API_KEY | | DeepSeek | deepseek- | DEEPSEEK_API_KEY | | OpenRouter | openrouter: | OPENROUTER_API_KEY | | LiteLLM | litellm: | LITELLM_API_KEY | | Ollama | ollama: | None (local) |

Switch providers at any time with /model.

CLI Commands

| Command | Description | |---|---| | /model | Switch LLM provider and model | | /pull <model> | Download an Ollama model | | /skill <name> | Run a skill (e.g. /skill subscription-audit) | | /help | Show available commands |

Type exit or quit to close. Press Esc to cancel a running operation.

Configuration

Environment Variables

Copy env.example to .env and set at least one provider API key. See the file for all options including web search keys and Ollama base URL.

MCP Servers

Add external tool servers in ~/.openaccountant/mcp.json:

{
  "servers": {
    "my-server": {
      "command": "npx",
      "args": ["-y", "my-mcp-server"],
      "env": {}
    }
  }
}

MCP tools appear automatically in Open Accountant's tool registry.

Custom Skills

Drop a folder with a SKILL.md file into any of these directories:

| Location | Purpose | |---|---| | src/skills/ | Built-in skills | | ~/.openaccountant/skills/ | User-wide skills | | .openaccountant/skills/ | Project-specific skills |

Skills defined later in this list override earlier ones with the same name.

Architecture

src/
  agent/          # Core agent loop, tool execution, context management
  components/     # TUI components (chat log, editor, prompts)
  controllers/    # Agent runner, model selection, input history
  db/             # SQLite schema, queries, database init
  mcp/            # MCP client, adapter, config
  model/          # LLM abstraction and provider implementations
  orchestration/  # Chains (sequential) and Teams (parallel) workflows
  skills/         # Skill discovery, loading, and built-in skills
  tools/          # All tool implementations
    categorize/   # AI transaction categorization
    export/       # CSV/XLSX export
    import/       # CSV import with bank parsers, Monarch sync
    query/        # Transaction search, spending summary, anomaly detection
    search/       # Web search providers (Exa, Perplexity, Tavily, Brave)
  utils/          # Shared utilities

All data is stored locally in ~/.openaccountant/data.db (SQLite).

Contributing

Contributions are welcome! Please open an issue first to discuss what you'd like to change.

See the issue templates for bug reports and feature requests.

License

MIT