Finance

Fields marked * are required. Updates keep every field they are not given. An AI app can ask vritto_describe for the same details, filtered to what its connection may use.

Transaction`transaction`

One expense, income, or transfer on an account. The same operations reach recurring bills and income (type 'recurring'), accounts (type 'account'), cards (type 'card'), spending categories (type 'category') and a month's budgets (type 'budget'), and read the overview, reports and budget status.

finance_findFindthrough vritto_find

Read Finance. No filter: the overview (accounts with balances, cards, categories, budgets, recurring items, recent transactions, net worth and this month's cash flow). view 'report' with from/to: spending totals by category, merchant and month. type 'transaction': transactions by account, trip and dates, paginated. view 'budget': a month's budget status.

Note: No filter returns the overview (accounts, cards, categories, budgets, recurring items, recent transactions, net worth). view 'report' with from/to totals a period; type 'transaction' lists transactions; view 'budget' reads a month's budget.

Field	Type	Description
type	one of transaction, recurring, account, card, category, budget	'transaction' lists transactions; 'budget' a month's budget status; any other type, or none with no filter, the overview.
view	one of overview, report, budget	'report' spending over from/to; 'budget' a month's budget; 'overview' (default with no filter).
id	string	One transaction.
accountId	string	Transactions of one account.
tripId	string	Transactions attributed to one Trips-module trip.
from	string	Range start, inclusive (a report defaults to about 6 months ago).
to	string	Range end, inclusive (defaults to today). ALWAYS pass from/to when the question concerns a period.
month	string	A budget's month (defaults to this month).
limit	integer	Transactions per page (default 100).
cursor	string	The previous page's nextCursor, unchanged.

Example input

{}

finance_addCreate or Updatethrough vritto_create or vritto_update

Add one record: a transaction (accountId + amount; rules categorize it), a recurring bill or income (type 'recurring': merchantName, amount, cadence, nextDate), an account, a card (accountId, last 4 digits only), a category, or a month's budget lines (type 'budget': month, lines). A real record.id updates that record instead.

Field	Type	Description
type	one of transaction, recurring, account, card, category, budget	Record type: 'transaction' (default) money moving in or out; 'recurring' a recurring bill or income; 'account' a checking, savings, credit, cash, investment, loan or asset account; 'card' the plastic that spends from an account; 'category' a spending or income category; 'budget' a month's category b
record	object	The record's fields; for a budget, month and lines instead.
record.id	string	Leave out to add; a real id updates that record, only sent fields change.
record.accountId	string	A transaction's account (required for one), a card's account (required: a credit card points at its credit_card account, a debit card at the checking it draws on), a bill's paying account.
record.amount	number	Transactions and bills: positive magnitude; a transaction's direction comes from type. Required for a transaction.
record.currency	string	ISO-4217 code. A transaction takes its account's currency when left out.
record.merchantName	string	Transactions and bills, e.g. 'Blue Bottle Coffee', 'Rent'. Required for a bill.
record.categoryId	string	Transactions and bills: a category from finance_find. Omit to leave uncategorized (rules may fill it).
record.name	string	An account's name ('Chase Checking') or a category's ('Pets'). Required for those.
record.type	one of expense, income, transfer, checking, savings, cash, investment, retirement, crypto, other_asset, credit_card, loan, mortgage, line_of_credit, other_liability	A transaction's direction: expense (default) reduces the account, income increases it, transfer moves between two accounts. An account's type (default checking), which sets asset or liability.
record.status	one of cleared, pending, active, paused, ended, open, closed, hidden, expired, replaced, cancelled	A transaction is cleared (default) or pending; a bill active, paused ('pause my gym') or ended; an account open, closed (drops out of net worth) or hidden; a card active, expired, replaced or cancelled.
record.kind	one of bill, income, subscription, loan_payment, transfer, expense	A bill's kind (default bill), or a category's: expense (default), income or transfer.
record.notes	string
record.date	string	Transaction date (defaults to today).
record.payee	string	Who was paid or paid you when not the merchant (a check to a landlord).
record.description	string	Bank-statement style line.
record.transferAccountId	string	Required for a transfer: ONE transaction whose accountId is the SOURCE (money out) and this the DESTINATION (money in); no second transaction, never counted as income or spending.
record.splits	list of object	Split across categories; amounts MUST sum exactly to the transaction amount. Not on transfers.
record.tripId	string	A transaction's trip from the Trips module. Only a real ID.
record.tags	list of string	A transaction's free-form labels ('reimbursable'); reuse the user's spellings.
record.recurringId	string	The bill a transaction pays; the bill's next date moves forward.
record.cadence	one of weekly, biweekly, monthly, quarterly, semiannual, yearly	A bill's cadence (default monthly).
record.nextDate	string	A bill's next due date.
record.reminderLeadDays	integer	Days before a bill's nextDate to remind (default 3).
record.balanceModel	one of ledger, valuation	'ledger' tracks transactions; 'valuation' a periodic balance (house, 401k).
record.openingBalance	number
record.openingDate	string	Local date YYYY-MM-DD.
record.creditLimit	number
record.interestApr	number
record.statementDay	integer	Liability accounts: statement closing day (0 unsets).
record.paymentDueDay	integer	Liability accounts: payment due day (0 unsets); schedules a monthly payment reminder. It belongs to the credit line, never a card.
record.autopayEnabled	boolean
record.minimumPayment	number
record.paymentReminderDays	integer	Days before the due day to remind (default 3; 0 turns it off).
record.valuationHistory	list of object	A valuation account's dated balances. Sending it REPLACES the whole history: read the account first and resend it with the new point appended.
record.balanceAsOf	string	Local date YYYY-MM-DD.
record.includeInNetWorth	boolean
record.institutionName	string
record.nickname	string	A card's name, e.g. 'Chase Sapphire'.
record.cardKind	one of credit, debit, prepaid
record.network	one of visa, mastercard, amex, discover, other
record.last4	string	A card's LAST 4 DIGITS ONLY. Never accept, store or ask for a full card number or CVV.
record.cardholderName	string
record.expiryMonth	integer	With expiryYear: valid through the end of this month; schedules an expiry reminder.
record.expiryYear	integer
record.isPrimary	boolean
record.expiryReminderDays	integer
record.groupName	string	A category's section ('Lifestyle'); reuse an existing group.
record.icon	string
record.color	string
record.parentId	string	A sub-category's parent.
month	string	Type 'budget': the month.
lines	list of object	Type 'budget': ONLY the categories being changed; the month's other lines and their rollover flags are kept. budgeted 0 with rollover false clears one.

Example input

{
  "record": {
    "accountId": "acct_checking",
    "date": "2026-09-25",
    "type": "expense",
    "amount": 42.18,
    "currency": "USD",
    "merchantName": "Whole Foods"
  }
}

finance_changeUpdatethrough vritto_update

Change one record by record.id (set type for anything but a transaction); only sent fields change. A bill paused or ended is its status; a closed account is status 'closed'. accountId with realBalance reconciles a ledger account to the user's stated balance with an audited adjustment. Resolve ids with finance_find first.

Note: accountId with realBalance reconciles a ledger account with an audited adjustment.

Field	Type	Description
type	one of transaction, recurring, account, card, category, budget	Record type: 'transaction' (default) money moving in or out; 'recurring' a recurring bill or income; 'account' a checking, savings, credit, cash, investment, loan or asset account; 'card' the plastic that spends from an account; 'category' a spending or income category; 'budget' a month's category b
record	object	The record's id plus the fields to change.
record.id*	string	Record ID from finance_find, never invented.
record.accountId	string	A transaction's account (required for one), a card's account (required: a credit card points at its credit_card account, a debit card at the checking it draws on), a bill's paying account.
record.amount	number	Transactions and bills: positive magnitude; a transaction's direction comes from type. Required for a transaction.
record.currency	string	ISO-4217 code. A transaction takes its account's currency when left out.
record.merchantName	string	Transactions and bills, e.g. 'Blue Bottle Coffee', 'Rent'. Required for a bill.
record.categoryId	string	Transactions and bills: a category from finance_find. Omit to leave uncategorized (rules may fill it).
record.name	string	An account's name ('Chase Checking') or a category's ('Pets'). Required for those.
record.type	one of expense, income, transfer, checking, savings, cash, investment, retirement, crypto, other_asset, credit_card, loan, mortgage, line_of_credit, other_liability	A transaction's direction: expense (default) reduces the account, income increases it, transfer moves between two accounts. An account's type (default checking), which sets asset or liability.
record.status	one of cleared, pending, active, paused, ended, open, closed, hidden, expired, replaced, cancelled	A transaction is cleared (default) or pending; a bill active, paused ('pause my gym') or ended; an account open, closed (drops out of net worth) or hidden; a card active, expired, replaced or cancelled.
record.kind	one of bill, income, subscription, loan_payment, transfer, expense	A bill's kind (default bill), or a category's: expense (default), income or transfer.
record.notes	string
record.date	string	Transaction date (defaults to today).
record.payee	string	Who was paid or paid you when not the merchant (a check to a landlord).
record.description	string	Bank-statement style line.
record.transferAccountId	string	Required for a transfer: ONE transaction whose accountId is the SOURCE (money out) and this the DESTINATION (money in); no second transaction, never counted as income or spending.
record.splits	list of object	Split across categories; amounts MUST sum exactly to the transaction amount. Not on transfers.
record.tripId	string	A transaction's trip from the Trips module. Only a real ID.
record.tags	list of string	A transaction's free-form labels ('reimbursable'); reuse the user's spellings.
record.recurringId	string	The bill a transaction pays; the bill's next date moves forward.
record.cadence	one of weekly, biweekly, monthly, quarterly, semiannual, yearly	A bill's cadence (default monthly).
record.nextDate	string	A bill's next due date.
record.reminderLeadDays	integer	Days before a bill's nextDate to remind (default 3).
record.balanceModel	one of ledger, valuation	'ledger' tracks transactions; 'valuation' a periodic balance (house, 401k).
record.openingBalance	number
record.openingDate	string	Local date YYYY-MM-DD.
record.creditLimit	number
record.interestApr	number
record.statementDay	integer	Liability accounts: statement closing day (0 unsets).
record.paymentDueDay	integer	Liability accounts: payment due day (0 unsets); schedules a monthly payment reminder. It belongs to the credit line, never a card.
record.autopayEnabled	boolean
record.minimumPayment	number
record.paymentReminderDays	integer	Days before the due day to remind (default 3; 0 turns it off).
record.valuationHistory	list of object	A valuation account's dated balances. Sending it REPLACES the whole history: read the account first and resend it with the new point appended.
record.balanceAsOf	string	Local date YYYY-MM-DD.
record.includeInNetWorth	boolean
record.institutionName	string
record.nickname	string	A card's name, e.g. 'Chase Sapphire'.
record.cardKind	one of credit, debit, prepaid
record.network	one of visa, mastercard, amex, discover, other
record.last4	string	A card's LAST 4 DIGITS ONLY. Never accept, store or ask for a full card number or CVV.
record.cardholderName	string
record.expiryMonth	integer	With expiryYear: valid through the end of this month; schedules an expiry reminder.
record.expiryYear	integer
record.isPrimary	boolean
record.expiryReminderDays	integer
record.groupName	string	A category's section ('Lifestyle'); reuse an existing group.
record.icon	string
record.color	string
record.parentId	string	A sub-category's parent.
month	string	Type 'budget': the month.
lines	list of object	Type 'budget': ONLY the categories being changed; the month's other lines and their rollover flags are kept. budgeted 0 with rollover false clears one.
accountId	string	With realBalance: the ledger account to reconcile.
realBalance	number	The true current balance the user states. Not for 'valuation' accounts: change their valuationHistory.
asOf	string	With realBalance: when the balance was checked (defaults to today).

Example input

{
  "record": {
    "id": "txn_123",
    "categoryId": "cat_dining"
  }
}

finance_removeDeletethrough vritto_delete

Remove (archive) one transaction (reversing its balance effect), card (its account is untouched) or recurring series (marked ended) by id. Only for explicit removals: a paused bill is a finance_change. An account is removed with finance_deleteAccount.

Note: type 'card' or 'recurring' removes those; an account is removed with finance_deleteAccount.

Field	Type	Description
id	string	The record to remove.
transactionId	string	Older name for a transaction's id.
cardId	string	Older name for a card's id.
recurringId	string	Older name for a recurring series' id.
type	one of transaction, card, recurring	Which record the id names (default transaction).

Finance Account`finance_account`

A bank, card, investment, loan, or cash account; removing one archives its transactions too.

finance_deleteAccountDeletethrough vritto_delete

Delete (archive) one account and its transactions. Resolve the ID with finance_find first. Only for explicit removals, this hides the account and all its history from active views.

Field	Type	Description
accountId*	string

Finance

Transactiontransaction

Finance Accountfinance_account

Transaction`transaction`

Finance Account`finance_account`