rappen

Personal finance through your AI agent. Export a statement from your bank, drop it into the chat, and ask:

• Where did the money go this month?
• Am I eating out more than a year ago?
• What did the Balkans trip cost, per day?
• If rent goes up 200, what is left each month?
• How many months could I live off what I have?

There is no app, no dashboard and no bank link: the agent is the interface, over MCP, and SKILL.md is its manual. The numbers are as fresh as the last statement you dropped in.

Setup

Paste this to an agent with MCP and skills:

Install rappen from https://github.com/vovacha/rappen:

1. Clone it and run `uv sync` in the clone.
2. Register its MCP server for all projects:
     name:    rappen
     command: uv run --directory <absolute path of the clone> python -m rappen.mcp_server
3. Symlink its SKILL.md as a skill named `rappen`.
4. Reload the MCP servers yourself if you can; if only I can, tell me how and wait.
5. Set up my ledger as SKILL.md says.

If the agent stops to ask for a reload, reload and say Set up rappen.

Setup is a short conversation: the agent asks which currencies you use, proposes a category tree, and writes config.yaml once you agree. Then drop in your first statement.

To update, git pull the clone, or ask the agent to. If an update changes the config.yaml format, your old file is refused with a message saying what to change.

The ledger

• Transactions. Every bank line becomes one row, with a category and, once you tag one, a trip. Every spending figure is a sum over those rows.
  • Categories. Rules in config.yaml fill in what they match; the rest you set by hand, and a category set by hand is never overwritten (CONFIG.md, example).
  • Transfers. Money moved between your own accounts is neither income nor spending and stays out of the sums.
  • Trips. Name a trip and its dates; the food, transport and hotels in that window are the trip's cost. Flights paid earlier you attach by hand.
  • Currencies. Rows stay in the currency they were paid in; sums are in the currency you chose at setup.
• Holdings. What you own and owe, typed in: a bank balance, cash, a pension, a loan. Their sum is your net worth.
• Subscriptions. What renews, typed in if you want to track it.

All of it is two files in ~/.rappen; copy them to back up or move:

File	Table	Fields
rappen.db	transactions	date, description, amount, currency, account, category, trip
	holdings	name, value, description
	subscriptions	name, amount, currency, monthly or yearly, active
config.yaml		currency, rates, categories, each with its rules and its transfer and trip flags

Supported banks

Bank	Country	File	Notes
PostFinance	Switzerland	PDF
UBS	Switzerland	CSV
Yuh	Switzerland	CSV	exchanges become two rows; stock and crypto orders are dropped
Revolut	Lithuania	CSV	only settled rows are taken: let exports overlap by a few days
Monobank	Ukraine	CSV	export with English column names

Any bank that exports transactions can be added: one folder in rappen/parsers/, see DEVELOPMENT.md.