Finance

Return the finance overview: accounts (with currentBalance), categories, budgets, recurring items, recent transactions, and a summary (assets, liabilities, netWorth, monthIncome, monthExpense, monthNet). Use for net-worth, balance, cash-flow, and this-month spend questions, and to resolve account/category IDs before any write.

No input.

Spending & cash-flow report over a date range: totals plus spending by category, by merchant, and income vs expense by month. Use for 'how much did I spend on X last month', 'top merchants', and trend questions.

List transactions, optionally filtered by account and date range (newest first, paginated). Use to find or show specific transactions.

Create or update one transaction. Omit record.id to create (accountId + amount required); include a real record.id from finance_queryTransactions to edit, only sent fields change. Auto-categorization rules run on create. Example: record { accountId, date '2026-07-10', type 'expense', amount 42, merchantName 'Blue Bottle', categoryId }.

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

Delete (archive) one transaction and reverse its balance effect. Resolve the ID with finance_queryTransactions first. Only for explicit removals.

Create or update one account. Omit record.id to create (name required); include a real record.id to update. Set balanceModel 'valuation' for assets you value periodically (house, 401k) and 'ledger' for accounts you track transaction-by-transaction.

{
  "record": {
    "name": "Chase Checking",
    "type": "checking",
    "balanceModel": "ledger",
    "currency": "USD",
    "openingBalance": 2400,
    "openingDate": "2026-09-01"
  }
}

Reconcile a LEDGER account to the user's stated real balance ('my checking actually has 2,314.50'). Posts an audited 'Balance adjustment' transaction for any difference (never a silent edit) and marks the account's pending transactions cleared. Not for 'valuation' accounts: update those via finance_upsertAccount valuationHistory instead.

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

Create or update one card (credit, debit, or prepaid). Omit record.id to create, accountId is required and must be a real account from finance_queryOverview. Store the LAST 4 DIGITS ONLY, never a full card number or CVV. Setting expiryMonth + expiryYear schedules a reminder before it expires.

Delete (archive) one card and cancel its reminders. Resolve the ID from finance_queryOverview.cards first. Only for explicit removals, the account it spends from is untouched.

A month's budget status: budgeted, spent (activity), and available per category, plus unbudgeted spending.

Set budgets for one or more categories in a month. Pass month (YYYY-MM) and lines [{ categoryId, budgeted, rollover }] for ONLY the categories being changed, the month's other budget lines are kept as they are, and their rollover flags are untouched. Omitting rollover on a line keeps that category's existing setting. To clear a category's budget, send it with budgeted 0 and rollover false.

{
  "month": "2026-10",
  "lines": [
    {
      "categoryId": "cat_groceries",
      "budgeted": 600
    }
  ]
}

Add or update a recurring bill or income. Omit record.id to create (merchantName required). Example: record { merchantName 'Rent', amount 2200, cadence 'monthly', kind 'bill', nextDate '2026-08-01' }.

{
  "record": {
    "merchantName": "Rent",
    "amount": 2150,
    "currency": "USD",
    "cadence": "monthly",
    "nextDate": "2026-10-01",
    "kind": "bill"
  }
}

Delete (archive) one recurring bill/income series and mark it ended. Resolve the ID from finance_queryOverview.recurring first. Only for explicit removals, to temporarily stop a bill, set status 'paused' via finance_upsertRecurring instead.

Create or update a spending/income category ('add a category called Pets'). Omit record.id to create (name required); include a real record.id from finance_queryOverview.categories to rename/regroup. Check existing categories first to avoid duplicates.