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Delta

Delta is a self-hosted personal finance dashboard. It links your bank, card and brokerage accounts through Plaid, syncs them every few hours into a SQLite database on your own machine, and shows where your money goes:

  • Overview: net worth, this month's spending so far, cash flow and the health of each bank connection.
  • Spending: spend per category for any month, with pending charges called out.
  • Transactions: search and filter everything, and relabel a category for one transaction or for every transaction from a merchant.
  • Budgets: monthly budgets per category with progress.
  • Recurring: subscriptions and bills. Delta suggests series it detects and you confirm or dismiss them. One that stops charging for about two cycles is flagged so you can mark it ended.
  • Investments and Net worth: brokerage activity and balance history.
  • Settings: how closely your agent watches your spending (Relaxed, Balanced or Watchful, or your own thresholds).

Your agent, your data​

Delta has no chatbot of its own. Instead it serves an MCP server, so the agent you already use (Claude, or any MCP client) can answer questions about your money with the same numbers the dashboard shows. Every card in the dashboard has an Ask button that copies what it shows as a prompt you can paste into that agent.

Agents get a per-agent token. Read tokens can only look; write tokens can also set budgets, confirm recurring charges and relabel categories. See Connect an agent.

A hosted agent passes what it reads to its provider. A local model keeps it in your network.

How it's built​

  • One Next.js app (TypeScript, App Router) with a SQLite database through Drizzle and better-sqlite3.
  • Plaid calls only happen on the server. Plaid access tokens never leave the database.
  • No accounts, and an optional password. The private network you run it on (Tailscale is recommended) is the boundary, and the agent API also needs a token. Read the security model before you run it.

Where to go next​