The same tool registry 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. |
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. |
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, 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 balance and optional history. |
get_financial_plans | Saved FIRE, debt payoff, mortgage, inflation and strategy calculations. |
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. |
Listed only to connectors with the Write scope on Premium or Max. 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
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. Each call is recorded in the audit log and the written record is tagged with its origin.
| 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 | A pasted Air Bank, Raiffeisenbank or UniCredit CSV through the same import routine as the web, with duplicate detection. |
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.