Finlynq MCP tool catalog

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

Scan recent transactions and return candidate subscriptions.

Surface duplicate bank-ledger rows for one account.

Discover available Finlynq tools, schema, and usage examples.

Get current balances for all accounts.

List the bank balance anchors for one account.

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 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.

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

Summarize reconcile health across all accounts in one call (instead of one get_reconcile_suggestions 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

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

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

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

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

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

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.

Bulk-accept reconcile suggestions: link MANY existing transactions to bank-ledger rows in ONE call. `pairs` is an array of {bankTransactionId, transactionId, linkType?} (linkType defaults to 'primary').

Record a net-worth snapshot for tracking wealth over time

Fire active rules over a batch of bank-ledger rows (Auto-pilot bulk).

Re-apply active transaction rules to a PENDING staged import in place.

Run all active categorization rules against uncategorized transactions.

Create REAL ledger transactions from staged rows (writes into the live `transactions` table).

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

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).

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_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 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).

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

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

Promote staged import rows into the bank ledger only (bank_transactions) for reconciliation.

Remove a transaction ↔ bank-ledger link.

Edit a single staged transaction row in place.

Stage a bank/brokerage statement file (CSV, OFX, or QFX) over this MCP connection (no browser session needed).

Create or correct a single bank balance anchor.

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

Delete a single bank-ledger row (bank_transactions) by id.

Commit a bulk delete.

Preview a bulk delete.

Reject (hard-delete) a staged import.