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 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.

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.

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.

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.

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.

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.

Record a stock/ETF/crypto buy or sell in a brokerage account.

Record a transaction.

Record a transfer between two of the user's accounts.

Reorder rules by assigning new priorities.

Atomically replace all splits on a transaction.

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

Pin a manual FX rate.

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.