The same registry of 63 tools serves the MCP server and the in-app assistant. Every tool receives your user id and the connector’s profile id from the verified token; the client cannot pass a different user or profile. Results are mapped field by field, so a tool never returns a raw database record.
Tool descriptions and error messages are in English, so the model behaves the same whatever language you speak to it in. What it says back to you it phrases in your language.
Available with the Read scope on every plan.
Accounts and net worth
| Tool | Returns |
|---|
get_accounts | Accounts (name, bank, balance, currency, type, last sync) and the total in your display currency. Hidden accounts only on request. No account numbers or IBANs. Also the interest rate of savings accounts and the age of the data (staleDays above 0 = the “no new data” reminder). |
get_net_worth | Net worth, total assets and liabilities, breakdown by category, from the same calculation as the Net worth page. |
Transactions
| Tool | Returns |
|---|
get_transactions | Transactions filtered by category, type, date range and merchant; up to 100 rows. |
get_spending_summary | Spending by category for a period with comparison to the previous period. Transfers and investment purchases excluded. |
analyze_spending_patterns | Spending by weekday, top merchants, monthly trend, unusual transactions and savings tips over the last months. |
get_transfer_candidates | Likely counterparts of one transaction for a transfer between your own accounts (opposite direction, same amount, within 10 days) and whether it is already paired. |
get_categorization_rules | Your custom categorization rules (conditions, target category, priority, on/off, match count) and the plan limit — how many rules you have and how many are allowed (whole account). Optionally the built-in rules too. |
Budgets and goals
| Tool | Returns |
|---|
get_budgets | Budgets with current-month spending, remaining amount and status. |
get_goals | Savings goals with progress. |
Investments
| Tool | Returns |
|---|
get_investments | Stocks and ETFs per broker account, crypto holdings, values and gains in your display currency. |
get_tax_summary | Holding-period test view for stocks and crypto for your market, plus dividends for a year. Same engine as the tax page. |
get_alt_investments | P2P, crowdfunding, bonds, commodities and similar positions, grouped by platform and type. |
get_alt_investment_performance | Deposits, withdrawals, interest, fees, defaults and valuation trend. |
Subscriptions and cash flow
| Tool | Returns |
|---|
get_subscriptions | Subscriptions with amount, cycle, next payment, monthly and yearly totals. |
predict_cashflow | Forecast for the coming months from historical averages and recurring payments. |
Property, vehicles, valuables
| Tool | Returns |
|---|
get_properties | Properties with owned value, purchase price, appreciation and the linked mortgage. |
get_property_cashflow | Rental income and expenses per property and category, net cash flow and yield. |
get_property_utility_settings | Configured utilities and current unit prices for one property. |
get_vehicles | Vehicles with value, leasing flag and monthly run-rate costs. |
get_vehicle_costs | Costs by category and vehicle. |
get_valuables | Valuables with purchase and current (or estimated) value and depreciation. |
Loans and debts
| Tool | Returns |
|---|
get_mortgages | Mortgages and loans with balance to today, rate, payment and remaining months. |
get_debt_overview | All debts including overdrafts and credit cards, weighted rate, and avalanche and snowball ordering. |
get_mortgage_payments | Payment history with principal and interest split. |
Savings and plans
| Tool | Returns |
|---|
get_savings_envelopes | Envelopes with id, account, balance, target and progress (envelopes without a target included), optionally with recent movements, and the total of all envelopes in your display currency. |
get_savings_rate_comparison | The rate of your savings accounts against the market: range, median and best rate of tracked offers and the official market average. The same comparison as the savings account page. |
get_financial_plans | The calculator templates you saved — mortgage, FIRE, inflation, investment strategy, vehicle comparison, vacation and debt payoff: kind, id, name and a one-line headline of the inputs. |
get_saved_plan | One saved template with all its inputs. For a mortgage it adds the computed outcome — monthly payment, total paid, total interest, LTV and DTI — from the same engine as the calculator page, so the numbers match what you see. |
get_fire_progress | Progress towards financial independence from accounts, investments and spending. |
Household
| Tool | Returns |
|---|
get_utility_usage | Utility readings and costs per property and period. |
get_appliances | Appliances with consumption and measurements. |
get_household_summary | Household costs across properties: utilities, expenses, income and mortgage payments. |
Other
| Tool | Returns |
|---|
get_financial_score | Financial health score (0 to 850) with seven components, same as Analytics → Score. |
explain_term | A glossary definition with example and source. Reads no user data. |
get_plan_and_limits | Your plan (trial included), its features, every limit with your current usage (whole account), what cannot be added any more and whether the connector may write. |
Listed to every connector with the Write scope, on every plan; they run only on Premium or Max (the trial counts). On Free the server refuses them with TIER_FEATURE, and without the Write scope with SCOPE_REQUIRED, even when a client still offers them from an earlier connection. They compute what a write would do, return a confirmation message and a confirmation_token. They write nothing.
prepare_transaction, prepare_stock_trade, prepare_crypto_trade, prepare_utility_reading, prepare_bank_import, prepare_budget_update, prepare_valuable_add, prepare_valuable_update, prepare_categorization_rule, prepare_categorization_rule_update, prepare_rule_application, prepare_transfer_pair, prepare_envelope_transfer, prepare_balance_confirmation
Confirmation tokens
Every write tool requires the confirmation_token from its preview. The token is signed by the server and bound to your user, the profile, the tool family and the exact arguments of the preview; it is valid for 10 minutes and is never stored. A write without a token, with an expired token, or with arguments that differ from the preview is refused with a message telling the model to run the preview again. This guarantees that what gets written is what was previewed; whether you were asked to approve the preview is still up to your AI client.
Require the Write scope, a Premium or Max plan and a valid confirmation_token. Without the scope the server answers SCOPE_REQUIRED, without the plan TIER_FEATURE, and nothing runs. Every call that runs, successful or not, is recorded in the audit log. A record the write creates or updates (a transaction, imports included, a trade, a reading, a valuable, a budget, a rule) is also tagged with its origin; bulk changes (applying a rule, pairing a transfer, moving envelope money, confirming a balance) stay in the audit log only.
| Tool | Writes |
|---|
add_transaction | A transaction on one of your accounts; adjusts the balance. |
add_stock_trade | A buy or sell on a broker account; recalculates holdings. |
add_crypto_trade | A buy or sell on a crypto account; recalculates holdings. |
add_utility_reading | A utility reading or waste pickup priced from the property’s settings. |
add_valuable | A new valuable. |
update_budget | Amount, name or period of an existing budget. |
update_valuable | Name, condition, current value or notes of an existing valuable. |
import_bank_transactions | The text of a statement pasted into the chat (CSV, camt.053, OFX, MT940, GPC, QIF and the other text formats in Statement formats) through the same parser and import routine as the web, with duplicate and transfer detection. Not into an account synced from Wallet by BudgetBakers. |
create_categorization_rule | A custom categorization rule for new transactions. The plan limit applies to the whole account (Free 5, Premium 50, Max unlimited). The preview shows how many existing transactions it would match. |
update_categorization_rule | Name, conditions, target category, payment method, statistics exclusion, priority or on/off of a custom rule. Built-in rules cannot be edited. |
apply_categorization_rule | Applies a rule to existing transactions and rewrites their category. Transactions you categorized by hand are rewritten only when you explicitly ask. |
create_transfer_pair | Pairs two transactions as a transfer between your own accounts; both get the transfer category and stop counting as income and expense. |
transfer_envelope_funds | Moves money between savings envelopes of one account, or from/to unallocated money; recorded in the history of both envelopes, the account balance does not change. |
confirm_account_balance | ”Balance is correct” — confirms the current balance of an account without new data and turns the reminder off; optionally a longer threshold for a rarely used account. The balance does not change. |
All write tools resolve the target (account, broker, property, budget, valuable) by id or by name within your profile only. A name that does not match returns the list of your own items instead of writing anything.