Finlynq MCP tool catalog

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

Scan recent transactions and return candidate subscriptions.

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 30/60/90 days from 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 a per-component breakdown.

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

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`; each target's `holding` string is matched against a holding's NAME or SYMBOL (case-insensitive substring, same as get_portfolio_analysis), and positions sharing a symbol across accounts are aggregated into one current position.

Full amortization schedule for a loan.

Net worth across all accounts.

List portfolio holdings with all investment metrics.

Per-holding average-cost performance aggregates: realized P&L, dividends, total return, and days held.

Compute a portfolio time-series return series.

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

Summarize reconcile health across all accounts in one call (instead of one reconcile(op:suggest) per account).

Get detected recurring transactions (subscriptions, bills, salary) from transaction history.

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

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

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`.

Commit a bulk-categorize.

Commit a bulk update.

Record a net-worth snapshot for tracking wealth over time

Run all active categorization rules against uncategorized transactions.

Manage financial accounts: `op` selects add / update / delete / set_mode. add: create an account (name/type A|L, optional currency/group/alias). update: change name/group/currency/note/alias (exact `accountId` or fuzzy `account`). delete: TWO-STEP for a non-empty/force delete (preview cascade counts + token, then commit); a clean empty account deletes directly. set_mode: set the import pipeline mode (auto|approve|manual).

Maintain bank-ledger rows and balance anchors: `op` selects list_anchors / upsert_anchor / find_duplicates / delete_row. list_anchors: the bank's reported balances for an account (read). upsert_anchor: create/correct one anchor keyed by (accountId, date) — idempotent, immediately affects the reconcile balance check. find_duplicates: group DISTINCT bank rows describing the same economic event so you can keep a canonical (read; DEK required). delete_row: remove a single bank row by id (destructive; pass dryRun:true to preview the unlinkedTransactionIds first).

Manage per-category monthly budgets: `op` selects set / delete. set: create or update a budget (`category`, `month` YYYY-MM, `amount` > 0). delete: remove a budget for a category/month.

Manage transaction categories: `op` selects create / rename / merge / delete. create: a new category (name + type E/I/R). rename: change a category's name (`id`/`name` + `new_name`); a duplicate name is refused. merge: TWO-STEP — call with `source`+`target` and NO `confirmation_token` to preview per-type dependent counts + get a token, then call again with the same source/target + that `confirmation_token` to atomically repoint EVERY dependent (transactions/splits/rules/subscriptions/budgets/…) into the target and delete the source. delete: TWO-STEP — preview FK counts + token, then commit; delete refuses while any dependent still references the category (use merge to fold it into another).

Manage manual FX rate overrides: `op` selects set / delete / list. set: pin a rate (1 `from` = `rate` `to` on `date`; one side MUST be USD). delete: remove an override by `id`. list: all overrides (rate_to_usd per currency + date range).

Manage financial goals: `op` selects add / update / delete / list. add: create a goal (name/type/target_amount, optional deadline + account_ids). update: change a goal's target, deadline, status, name, or linked accounts (fuzzy `goal`). delete: remove a goal by name. list: all goals with progress (accountIds, currentAmount, progress, remaining, monthlyNeeded).

Manage portfolio holdings (positions inside a brokerage account): `op` selects add / update / delete. add: create a position (name + account; optional symbol/currency/isCrypto). update: change name/symbol/currency/isCrypto/note (fuzzy `holding`; moving accounts is REFUSED — use portfolio_record_entry (entry_type: transfer)). delete: TWO-STEP when the holding has transactions/lots (preview counts + token, then commit); a clean holding deletes directly. qty/cost come from transactions, NOT this tool.

Manage loans & debt: `op` selects add / update / delete / list. add: create a loan or lease (principal/rate + term_months OR payment_amount; residual_value for leases). update: change any loan field by id. delete: remove a loan by id. list: all loans with balance/rate/payment/payoff date/linked account.

Manage auto-categorize rules: `op` selects create / update / delete / list / reorder. create: a rule from legacy shorthand (match_payee + assign_category). update: legacy shorthand OR the v2 conditions+actions shape by id. delete: remove a rule by id. list: all rules (v2 JSONB + decrypted FK names). reorder: assign priorities from an ordered id list.

Manage transaction splits: `op` selects list / add / update / delete / replace. list: all splits for a transaction. add: one split. update: change a split's fields by id. delete: remove a split by id (optional `expected.amount` echo guards a mis-copied id). replace: atomically replace ALL splits on a transaction (must sum to the parent amount ±$0.01).

Manage the staged-import lifecycle in one union tool. `op` selects upload / list / get / list_rows / update_row / link_transfer_pair / approve / send_to_bank_ledger / apply_rules / reject. upload: stage a CSV/OFX/QFX file (base64 fileContent; content-hash idempotent). list/get/list_rows: review staged imports + rows (read). update_row / link_transfer_pair: fix or pair staged rows. send_to_bank_ledger: promote rows into the bank ledger ONLY (normal reconcile — no `transactions`). approve: TWO-STEP create of REAL ledger transactions (first-import ONLY; preview→token then commit). apply_rules: re-fire rules over a pending import. reject: TWO-STEP hard-delete (preview→token then commit).

Manage subscriptions: `op` selects add / update / delete / list. add: one (name/amount/cadence/next_billing_date) or many (pass `items[]` + the `confirmation_token` from detect_subscriptions). update: change any field by id. delete: remove by id. list: raw editable rows (filter by `status`); `include_summary:true` also adds cost/renewal totals under a `summary` key.

Manage cash-account transactions: `op` selects record / update / delete. record: one row (amount/payee/account…) OR many (pass `transactions[]` + optional idempotencyKey). update: change a transaction's fields by id. delete: remove by id (optional `expected` payee/amount echo guards a mis-copied id).

Manage transfers between two of the user's accounts: `op` selects record / update / delete. record: create BOTH legs atomically (shared link_id; cash, cross-currency via `receivedAmount`, or in-kind via `holding`+`quantity`). update: change both legs of a pair (by linkId OR either leg's transactionId). delete: TWO-STEP — remove BOTH legs (preview + token, then commit).

Record a lot-aware portfolio ledger entry; `entry_type` selects the operation.

Reconcile a bank statement against the ledger for one account. `op` selects suggest / accept / unlink / materialize / apply_rules. suggest: rollups-first match (buckets exact/fuzzy/noMatch/alreadyLinked + legacy detail) — read. accept: link MANY bank↔tx pairs at once (`pairs[]`, linkType default 'primary'; positional response, partial commit). unlink: remove a tx↔bank link. materialize: turn an unmatched bank row into a real transaction (category mode) or a transfer (destAccountId). apply_rules: Auto-pilot bulk — preview (no confirmation_token) returns a token; commit with the token + autoMaterialize:true.

Commit a bulk delete.

Preview a bulk delete.