Monthly is now available as an app inside ChatGPT. Add it once, authorize with your Monthly account, then ask in plain English how much money you have left this month, what bills are coming up or how your savings goal is doing. No keys to copy, and you never leave the chat.
This guide covers how to connect it, what it can read and change, which prompts to try first and where the limits are. The short version of the steps also lives on the Monthly in ChatGPT page.
What changes with Monthly inside ChatGPT
Before, answering “how much do I have left?” meant opening Monthly, reading the summary and doing the math. With the ChatGPT app, you ask and ChatGPT looks up your information in Monthly for you. The answer comes from your own numbers, the ones you entered: income, fixed expenses, daily spending, weekend reserve and goals.
Behind the scenes it runs on an MCP server (Model Context Protocol, an open standard that lets assistants use tools from other apps) published by Monthly. The technical details are in the AI connectors hub, but you do not need any of that to use the app.
Here is what you can do:
- Ask about your month: what came in, what is already committed, what is left and how spending splits by category.
- See what is coming: unpaid fixed expenses and upcoming installments.
- Check goals: how much you have saved and how much is missing.
- Add and fix: log expenses or income, edit or delete an entry, load a list of expenses at once.
- Undo: revert the last change made through the connection.
How to connect it in a minute
- Open Monthly in ChatGPT. Use the app link: Monthly in ChatGPT. You can also reach it from Settings → Connect with AI inside Monthly.
- Add it. Follow ChatGPT’s prompts to connect the app to your account.
- Authorize with your Monthly account. A Monthly window opens: sign in, review the permissions and tap Authorize. It is OAuth, the same mechanism as “Sign in with…” buttons, so there is no token to copy.
- Use it in a chat. Start a conversation, pick Monthly among your apps and ask.
To check that it works, type: “How is my month going?”. ChatGPT should query Monthly and show your income, fixed expenses, daily spending and what is left.
You need a Monthly account (free) with at least one month set up. If you do not have one yet, create your plan before connecting.
Prompts to try first
Amounts are examples; swap in yours, and write however you like. The assistant works out the intent.
To understand your month
- “How is my month going?”
- “Which category do I spend the most on, and how much did it grow versus last month?”
- “How much is left to spend after fixed expenses?”
To stay on top of bills
- “Which fixed expenses are still unpaid this month? Order them by due date.”
- “What is due in the next 7 days?”
For your goals
- “How is my trip goal doing?”
- “Set up a $1,200 savings goal for a trip in 8 months and tell me how much to put in each month.”
To add and fix
- “Log that I spent $18.50 on groceries today.”
- “I logged gas by mistake: delete it.”
- “Load these expenses and tell me which were already there: 10/02 coffee $3.20, 10/03 groceries $41.80.”
- “Undo the last thing you added.”
What it sees and what it can change
Be clear on the scope before you authorize.
What it sees: what the tools return when ChatGPT uses them to answer you: months, entries, categories, goals, investments and debts recorded in Monthly. The AI provider processes that content under its own terms.
What it does not see: Monthly does not connect to your bank, so the AI has no access to real bank balances or transactions. It only knows what you entered, and it never receives your password. If avoiding bank links matters to you, see our roundup of budgeting apps with no bank connection.
What it can change: it can add, edit and delete entries, goals, investments and debts. That is why every change returns a receipt of what was modified, ChatGPT usually asks for approval before using a tool, and the last change made through the connection can be reverted by saying “undo the last thing you added” (undo_last_change). For big loads, ask it to show the list and wait for your OK.
How to revoke access: in Monthly, go to Settings → Connect with AI and tap Disconnect. Access stops right away. More in the privacy policy.
Limits to keep in mind
- Availability: ChatGPT apps depend on your plan and region. If you do not see Monthly, open the app link: ChatGPT tells you whether you can use it.
- It only sees what you entered: if you have not logged recent spending, a month-end forecast will look rosier than reality. The assistant can’t guess what is not in Monthly.
- It can get things wrong: like any assistant, it may misread a request. Check the receipt, and open Monthly if in doubt. None of this is financial advice.
- Ambiguous names: if two entries share a name, Monthly returns the options instead of guessing. Answer with the date or the amount.
- Target month: with no hint, writes go to the current month based on Argentina’s date. If you want another month, say so: “in August”.
- Rate limits: there is a per-minute request limit. For many entries, ask it to use bulk loading.
If something does not work
If Monthly says the account is not linked, sign in to the app once with the same account you authorize with, then retry. If ChatGPT asks you to sign in again, that is normal after disconnecting: connect again and approve access. The full list of fixes is on the ChatGPT setup page.
Getting the most out of it
- Read first, write later. Until you trust it, use ChatGPT to look things up and keep logging for specific requests.
- Ask for confirmation before big loads. “Show me what you will add and wait for my OK.”
- Keep Monthly up to date. The answers are only as good as what you logged.