Finlynq MCP tool catalog

Convert an amount from one currency to another using triangulated FX rates.

Scan recent transactions (via the decrypted tx cache) and return candidate subscriptions — payees with 3+ regular-cadence occurrences and stable amounts.

Discover available Finlynq tools, schema, and usage examples.

Get current balances for all accounts.

Get budget vs actual spending for a specific month.

Project cash flow for the next 30, 60, or 90 days based on recurring transactions.

List all available transaction categories

Compare debt payoff strategies (avalanche vs snowball) across all user loans with an optional extra monthly payment.

Dividend income from the transactions table, classified by the user's Dividends category (issue #84).

Calculate a financial health score 0-100 with breakdown by 6 weighted components (Savings Rate 0.25 / Debt-to-Income 0.20 / Emergency Fund 0.15 / Net Worth Trend 0.15 / Budget Adherence 0.15 / Age of Money 0.10).

Get the FX rate to convert 1 unit of `from` into `to` on `date`.

Get all financial goals with progress.

Generate income statement for a period.

Portfolio-level investment analytics. `mode: 'patterns'` (default) returns contribution frequency, largest positions, diversification score. `mode: 'rebalancing'` suggests BUY/SELL amounts vs `targets`. `mode: 'benchmark'` compares book-value growth vs a reference index.

Full amortization schedule for a loan.

Get all loans with amortization summary.

Net worth across all accounts.

Portfolio holdings with all investment metrics: quantity, cost basis, avg cost, unrealized/realized gain, dividends, total return, % of portfolio.

Portfolio performance with avg-cost method: realized P&L, dividends, total return, days held per holding.

(Distinct capability, not a newer version of get_portfolio_performance: that tool is per-holding average-cost realized P&L; this one is the portfolio time-series return series.) Time-series performance for the portfolio: daily market_value + cost_basis series, period TWRR (Modified Dietz chained daily), annualized TWRR, and MWRR / XIRR.

Lot-level realized gains for the user, sourced from the FIFO lot engine.

Reconcile snapshot for one account's bank ledger vs. its transactions (the /import page's three-layer match engine).

Get detected recurring transactions (subscriptions, bills, salary).

Find spending categories with >30% deviation from their 3-month average.

Get spending trends over time grouped by category.

Get current attention items — overspent budgets, upcoming bills, uncategorized transactions

Fetch full detail for one staged import — top-level metadata + every row with decrypted display fields.

Get all tracked subscriptions with total monthly cost and upcoming renewals.

Get a weekly financial recap: spending summary, income, net cash flow, notable transactions.

List the user's manual FX rate overrides.

List all loans with balance, rate, payment, payoff date, and linked account

List MCP uploads that are still pending or previewed (not yet executed, cancelled, or expired).

List all auto-categorization rules.

List all splits for a transaction.

List the user's staged imports (pending statements awaiting review).

Flat list of staged transaction rows across one or many imports.

List all subscriptions with full detail (status, next billing, category, account, notes).

Flexible transaction search with partial payee match, amount range, date range, category, and tags.

Suggest category + tags for a transaction based on rule matches and historical frequency.

Dry-run a rule pattern against the user's existing transactions.

Deep-dive on a single holding: avg cost, realized gain, dividends, days held, full transaction history.

Per-transaction quantity contributions for a single holding, with running sum.

Preview a bulk-categorize (shortcut for preview_bulk_update with only category_id set).

Preview a bulk update over transactions matching `filter`.

Preview an uploaded CSV/OFX/QFX file.

Commit a bulk-categorize.

Commit a bulk update.

Commit an upload as transactions.

Link an existing transaction to a bank-ledger row (accept a reconcile suggestion). linkType 'primary' also sets transactions.bank_transaction_id when it's currently NULL; 'extra' just adds the join row.

Create a new financial account (bank, investment, credit card, etc.)

Create a new financial goal. `account_ids` (issue #130) accepts 0..N account ids — the goal's progress sums across all linked accounts.

Create a new loan or lease.

Create a portfolio holding (a single position like 'VEQT.TO' inside a brokerage account).

Record a net-worth snapshot for tracking wealth over time

Add a single split to an existing transaction

Create a new subscription.

Auto-pilot bulk: fire active rules over a batch of bank-ledger rows and (on confirm) auto-materialize matched rows into transactions.

Re-apply active transaction rules to a PENDING staged import in place (renames payees, flips tx_type to transfer, sets category/account, etc.) so the review surface reflects rule effects before approval.

Run all active categorization rules against uncategorized transactions.

Materialize staged rows into the live transactions table.

Commit a set of detected subscriptions.

Record multiple transactions at once.

Create a new transaction category

Create an auto-categorization rule for future imports.

Sugar over update_staged_transaction: pair two staged rows as a transfer.

Create a real transaction from a bank-only ledger row.

Bookkeeping only: records a BUY entry in the user's own Finlynq tracking ledger.

Bookkeeping only: records a deposit entry between two of the user's own tracked accounts; no real bank or brokerage transfer occurs.

Bookkeeping only: records a currency-conversion entry between two of the user's own tracked cash sleeves; no real FX trade occurs.

Bookkeeping only: records an income/expense entry in the user's own Finlynq ledger; no real money moves.

Bookkeeping only: records a SELL entry in the user's own Finlynq tracking ledger.

Bookkeeping only: records a swap entry in the user's own Finlynq ledger; no real trade occurs.

Bookkeeping only: records an in-kind move between two of the user's own tracked accounts; no real shares or money move.

Bookkeeping only: records a withdrawal entry between two of the user's own tracked accounts; no real bank or brokerage transfer occurs.

Bookkeeping only: writes an entry to the user's own Finlynq ledger (Finlynq never connects to a bank or moves real money).

Bookkeeping only: records a transfer entry between two of the user's own tracked accounts in Finlynq; it never initiates a real bank or wire transfer or moves any actual money.

Reorder rules by assigning new priorities.

Atomically replace all splits on a transaction.

Set an account's import pipeline mode: 'auto' (rules fire at upload), 'approve' (review each), or 'manual' (rules fire at materialize).

Set or update a budget for a category in a specific month

Pin a manual FX rate.

Remove a transaction ↔ bank-ledger link.

Update name, group, currency, note, or alias of an account.

Update a financial goal's target, deadline, status, or linked accounts. `account_ids` (issue #130) replaces the existing account-link set atomically — pass `[]` to unlink all, or omit to leave links unchanged.

Update any field of an existing loan by id

Update a portfolio holding's name, symbol, currency, isCrypto, or note.

Update an existing transaction rule.

Update fields of an existing split

Edit a single staged transaction row in place.

Update any field of an existing subscription

Update fields of an existing transaction by ID.

Update both legs of an existing transfer pair atomically.

Cancel a pending MCP upload — marks the row as cancelled and deletes the file from disk.

Delete an account (only if it has no transactions).

Delete a budget entry for a category/month

Delete a category.

Delete a manual FX rate override by id

Delete a financial goal by name

Delete a loan by id

Delete a portfolio holding.

Delete a transaction rule by id

Delete a split by id

Permanently delete a subscription by id

Permanently delete a transaction by ID

Permanently delete BOTH legs of a transfer pair in a single statement.

Commit a bulk delete.

Preview a bulk delete.

Preview deletion of a category.

Reject (hard-delete) a staged import.