> ## Documentation Index
> Fetch the complete documentation index at: https://docs.finta.io/llms.txt
> Use this file to discover all available pages before exploring further.

# Create a budget plan

> Create a named plan. Pass `accountIds` to limit it to those accounts, or omit them to cover every account. A key with account restrictions can only select accounts it may use, and must pass `accountIds`. Names are unique per user. The plan is not the default unless `isDefault` is true or it is the first plan.



## OpenAPI

````yaml /api/v2/openapi.json post /budget-plans
openapi: 3.0.3
info:
  title: Finta API v2
  version: 2.0.0
  description: >-
    DB-backed Finta API for users with storage mode enabled. Requires an API key
    or an OAuth access token, and an active subscription or free trial.


    ## Rate limits


    Rate limits are enforced per user based on subscription plan, separately
    from MCP. The free trial gets Standard limits, or Pro limits if you're
    trialing Pro:


    | Plan | Per minute | Per day |

    | --- | --- | --- |

    | Standard | 20 requests | 500 requests |

    | Pro | 60 requests | 2,000 requests |


    When a limit is exceeded, the API returns HTTP 429 with `error.code`
    `RATE_LIMITED` and a human-readable `message`. A `Retry-After` response
    header is included with the number of seconds until the window resets.
servers:
  - url: https://api.finta.io/v2
    description: Production server
security:
  - bearerAuth: []
tags:
  - name: Me
    description: Authenticated user
  - name: Health
    description: Service health
  - name: Bank Connections
    description: Bank connection resources
  - name: Accounts
    description: Account and balance history resources
  - name: Investments
    description: Securities, holdings, and investment transaction resources
  - name: Transactions
    description: Transaction resources
  - name: Categories
    description: Transaction category resources
  - name: Category Groups
    description: Category group resources
  - name: Rules
    description: Transaction rule resources
  - name: Budgets
    description: Budget plans, budgets, and budget status
paths:
  /budget-plans:
    post:
      tags:
        - Budgets
      summary: Create a budget plan
      description: >-
        Create a named plan. Pass `accountIds` to limit it to those accounts, or
        omit them to cover every account. A key with account restrictions can
        only select accounts it may use, and must pass `accountIds`. Names are
        unique per user. The plan is not the default unless `isDefault` is true
        or it is the first plan.
      operationId: createBudgetPlanV2
      requestBody:
        required: true
        content:
          application/json:
            schema:
              $ref: '#/components/schemas/BudgetPlanCreateRequest'
      responses:
        '201':
          description: Created plan
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/BudgetPlanDetail'
        '400':
          description: >-
            `BAD_REQUEST` for an invalid body, or `PLAN_NAME_TAKEN`,
            `INVALID_PLAN_NAME`, `NO_ACCOUNTS_SELECTED`
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ErrorResponse'
        '401':
          description: Missing or invalid API key
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/UnauthorizedResponse'
        '403':
          description: Storage mode required or subscription inactive
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ErrorResponse'
        '404':
          description: >-
            `NOT_FOUND`. The plan, budget, category or account does not exist,
            or budgets are not enabled for this account yet. A bad plan lists
            the user's plan names in `message`.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ErrorResponse'
        '429':
          $ref: '#/components/responses/RateLimitedResponse'
components:
  schemas:
    BudgetPlanCreateRequest:
      type: object
      additionalProperties: false
      required:
        - name
      properties:
        name:
          type: string
          minLength: 1
          maxLength: 100
        accountIds:
          type: array
          minItems: 1
          items:
            type: string
            format: uuid
          description: >-
            Accounts the plan covers. Omit for every account, now and any
            connected later.
        isDefault:
          type: boolean
    BudgetPlanDetail:
      allOf:
        - $ref: '#/components/schemas/BudgetPlan'
        - type: object
          required:
            - accountIds
            - budgetCount
          properties:
            accountIds:
              type: array
              items:
                type: string
                format: uuid
              description: >-
                The plan's accounts when `accountScope` is `Selected`, otherwise
                empty
            budgetCount:
              type: integer
    ErrorResponse:
      type: object
      required:
        - error
      properties:
        error:
          type: object
          required:
            - code
            - message
          properties:
            code:
              type: string
              example: STORAGE_MODE_REQUIRED
            message:
              type: string
    UnauthorizedResponse:
      type: object
      required:
        - error
      properties:
        error:
          type: string
          example: Missing or invalid Authorization header
    BudgetPlan:
      type: object
      required:
        - id
        - name
        - method
        - accountScope
        - isDefault
      properties:
        id:
          type: string
          format: uuid
        name:
          type: string
        method:
          type: string
          enum:
            - standard
            - envelope
        accountScope:
          type: string
          enum:
            - All
            - Selected
        isDefault:
          type: boolean
  responses:
    RateLimitedResponse:
      description: Rate limit exceeded
      headers:
        Retry-After:
          description: Seconds until the rate-limit window resets
          schema:
            type: integer
      content:
        application/json:
          schema:
            $ref: '#/components/schemas/ErrorResponse'
          example:
            error:
              code: RATE_LIMITED
              message: Per-minute rate limit exceeded (standard plan)
  securitySchemes:
    bearerAuth:
      type: http
      scheme: bearer
      description: >-
        A Finta API key from API settings, or an OAuth access token issued to an
        authorized app. Send either as `Authorization: Bearer <token>`.

````

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