SimpleFIN Bridge pricing
SimpleFIN Bridge has one plan with two billing options. Either one connects up to 25 institutions and 25 apps.
| Billing | Price | Over a year | Covers |
|---|---|---|---|
| Monthly | $1.50 + tax a month | $18 + tax | Up to 25 institutions and 25 apps |
| Yearly | $15 + tax a year | $15 + tax ($1.25 a month) | Up to 25 institutions and 25 apps |
Prices as listed on SimpleFIN Bridge's site (beta-bridge.simplefin.org), checked October 30, 2026. Check there before you subscribe; prices can change.
Yearly billing saves $3 against twelve monthly payments. There are no tiers, no add-ons and no usage fees on the pricing page: the subscription is the whole cost.
What it costs per bank
Because the price is flat, the cost per connected bank drops as you add institutions. On the yearly plan:
| Institutions connected | Yearly cost | Per institution, per year |
|---|---|---|
| 1 | $15 | $15.00 |
| 3 | $15 | $5.00 |
| 5 | $15 | $3.00 |
| 10 | $15 | $1.50 |
| 25 | $15 | $0.60 |
Few paid bank-data services come close to that. If raw cost per institution is the deciding factor, SimpleFIN Bridge is hard to beat.
What the price includes
SimpleFIN Bridge connects to your banks and hands the data to the apps you authorize. You create a setup token, give it to an app, and the app claims it once for an access URL it uses from then on. That access URL behaves like a password to your bank data, so keep it private.
The data itself follows the SimpleFIN protocol, which is small on purpose:
- Accounts: id, name, connection, currency, balance, an optional available balance, and the time the balance was taken.
- Transactions: id, posted date, amount, a free-text description, and optionally the date it happened and a pending flag.
- Filters: date range, specific accounts, balances only, and pending transactions where the bank supports them.
The protocol has no standard fields for categories, cleaned merchant names, recurring charges, or investment holdings. Servers can add extra data in an open-ended field, but apps can't count on it.
Limits that come with it
SimpleFIN's developer guide sets these expectations for apps:
- Daily updates. The Bridge is intended to refresh transaction data about once a day.
- 24 requests a day or fewer. Going well past that brings warnings, and continued overuse can get the access token disabled.
- 90 days per request. Longer history means several requests, and how far back you can go depends on the bank.
- One-time setup tokens. Each token is claimed once; lose the access URL and you create a new token.
These limits suit a budgeting app that syncs overnight. They are the main thing to weigh if you want answers that include today's transactions.
Review: strengths and weak spots
Strengths. The price is the headline: $15 a year for up to 25 institutions. The protocol is open and short enough to learn in an afternoon, so you own the code that reads your data. It's read-only by design. And it's widely supported: Actual Budget and several other budgeting apps list SimpleFIN as a bank-sync option.
Weak spots. Data arrives about once a day, so a charge from this morning may not show up until tomorrow. Transactions come as raw bank descriptions, without categories or merchant names. There's no investment data. And anything beyond the feed itself (the app, the dashboard, the agent tool) is something you pick or build.
Who it suits. People who already use a budgeting app that supports SimpleFIN, self-hosters, and developers who want a cheap feed to build on. It suits people less when they want live data, investments, or an AI agent that works without a build step.
Using SimpleFIN with an AI agent
SimpleFIN doesn't publish an MCP server, so connecting it to Claude, ChatGPT or Cursor means running a community wrapper or writing your own. A basic local wrapper that fetches accounts and transactions is an afternoon's work and runs fine in Claude Code or Claude Desktop.
Two things take longer. First, the agent has to sort raw descriptions into categories and merchants itself, every time, which costs context and misses renamed descriptors. Second, ChatGPT and Claude on the web only connect to hosted servers that speak OAuth, so using them means running and securing a public server that holds your access URL. The SimpleFIN vs BankBridge comparison lists the full build.
How it compares with BankBridge
BankBridge is a hosted MCP server that gives AI agents read-only access to US bank, card and brokerage accounts. It costs more because it includes the agent layer SimpleFIN leaves to you.
| SimpleFIN Bridge | BankBridge | |
|---|---|---|
| Price | $1.50/mo or $15/yr + tax, up to 25 institutions | $8/mo or $80/yr per connected bank |
| Freshness | About once a day | Live from your bank on every request |
| Categories and merchants | Raw descriptions only | Categories, merchant names, recurring-charge detection |
| Investments | Not in the protocol | Holdings and investment transactions |
| AI agents | Build or run a wrapper | Ready for Claude, ChatGPT, Cursor, Codex, Gemini CLI and more |
You can use both: SimpleFIN feeding a budgeting app, BankBridge answering agent questions. For more options, see six SimpleFIN alternatives compared.
Verdict
SimpleFIN Bridge is worth its $15 a year if you want a dependable daily feed for a budgeting app, or a cheap base to build on. It's the wrong tool when you need today's transactions, investment data, or an AI agent that answers money questions without a project attached.
If that second list describes you, read how BankBridge keeps access read-only, then connect your first bank.