Available tools

Once connected, your AI tool can call any of these tools. You do not need to invoke them manually. The client discovers them and chooses the right tool based on your questions. get_started works before you sign in, so you can ask what Finta does before you have an account. Every other tool asks you to sign in to Finta first, and your AI tool shows the sign-in when it needs it. Tools read from Finta storage (requires Storage Mode). High-volume tools support filters and pagination via cursor parameters in the tool schema. Most tools are read-only; a small set of write tools let your assistant categorize transactions, manage your spending categories, manage manual accounts, and manage your budgets. Finta MCP never moves money or changes your bank connections or destination settings. Each tool is marked as read-only or as a write, so your AI client can ask you before anything changes your data.

Read tools

Tool	What it does	Example prompt
`get_started`	Explains what Finta does and how to connect it. Works without signing in	”What can Finta do?”
`whoami`	Returns your Finta user and MCP setup status	”Am I connected to Finta?”
`get_setup_status`	Shows your subscription, Storage Mode, each bank connection’s provider, last sync and latest error, import progress, and the next setup step. Works even when your trial or subscription has ended	”What do I still need to set up in Finta?”
`list_bank_connections`	Lists your bank connections with status and error state	”Which of my banks are connected?”
`get_feedback_status`	Shows where a report sent with `submit_feedback` stands: received, in progress, shipped, declined, or duplicate, with Finta’s note	”Did Finta fix the issue I reported?”
`get_bank_connection`	Shows one bank connection’s health: status, last successful sync, the error in plain words, and the reconnect link. Works without Storage Mode and after your trial or subscription ends	”Why did my Chase account stop updating?”
`list_accounts`	Lists bank accounts with balances	”What accounts do I have?”
`get_account`	Gets a single account by ID	”Show me details for my Chase checking account”
`list_liabilities`	Lists accounts with debt details, payment amounts, due dates, and interest rates	”Show me all my debt”
`list_transactions`	Lists cash transactions, filterable by account, date, and category. A compact view returns up to 24 months in small pages for longer analysis	”What did I spend on groceries last month?”
`list_categories`	Lists transaction categories	”What categories does Finta use?”
`list_category_groups`	Lists the groups categories are organized into	”How are my categories grouped?”
`list_accounts_balance_history`	Daily balance history across accounts	”Show me my net worth over the last 6 months”
`get_account_balance_history`	Daily balance history for one account	”How has my savings account balance changed?”
`list_securities`	Lists securities in investment accounts	”What stocks do I hold?”
`list_holdings`	Lists investment positions with quantities	”What’s in my portfolio?”
`list_investment_transactions`	Lists investment transactions (buys, sells, dividends)	“What trades did I make this year?”

Good liability prompts:

“What are my minimum payments this month?”
“What’s the interest rate on my student loans?”
“Show me all my debt”

Write tools

These tools change your data in Finta: categorizing transactions and managing the accounts and categories you’ve created. Rule tools and budget tools below can write too.

Tool	What it does	Example prompt
`submit_feedback`	Sends Finta a bug report, a confusing error, or a feature request. Your assistant can send one when a tool gets in its way	”Tell Finta the transaction search should filter by amount”
`update_transaction`	Sets or clears the category on a transaction	”Categorize that Amazon charge as Office Supplies”
`batch_update_transactions`	Updates many transactions at once (up to 250)	“Categorize all my Starbucks transactions as Coffee”
`create_account`	Creates a manual account, including liability accounts	”Add a manual account for my $12,000 car loan”
`update_account`	Updates a manual account’s name, balance, or liability data, or renames a bank-synced account	”Rename my Ally savings to Everyday spending”
`delete_account`	Closes (soft-deletes) a manual account	”Close my old manual savings account”
`create_category`	Creates a new manual category	”Add a category called Software Subscriptions”
`update_category`	Renames or edits a category’s group, description or type (Mercury categories are read-only)	“Rename my Misc category to Uncategorized”
`delete_category`	Deletes a manual category	”Delete the Test category”
`batch_update_categories`	Updates many categories at once (up to 250)	“Group all my software categories together”
`create_category_group`	Creates an empty category group	”Make a Lifestyle group”
`update_category_group`	Renames a category group, and the group on every category in it	”Rename my Shopping group to Lifestyle”
`delete_category_group`	Deletes a category group, moving its categories to another group first if it has any	”Delete the Kids group and move its categories to Family”

Write tools only affect data you manage yourself:

Accounts. Only manual (user-created) accounts can be created, updated, or deleted, and their changes sync automatically to any connected destinations. An account synced from your bank or payment provider can only be renamed. Syncs keep your name, and the bank’s name stays alongside it as institutionAccountName. Your destinations show the new name after their next sync.
Categories. Any category’s name, group, description, or type (income, expense, transfer) can be edited except Mercury categories, which are read-only and managed by the provider. Only manual (Finta-created) categories can be created or deleted. Category groups can be created, renamed and deleted; deleting a group never deletes its categories, and budgets set on the group itself are deleted with it. You can also change the category assigned to any transaction.

Good manual-account prompts:

“Create a manual mortgage account for my house at 6.5% interest with a $300,000 balance”
“Update my manual credit card balance to $1,500”
“Track my cash on hand as a manual account with $250”

Rule tools

Rules let your assistant set up automatic categorization that sticks. A rule has conditions (e.g. merchant name contains “Whole Foods”) and outcomes (set the category, set the merchant name, or hide the transaction). Rules apply to your stored transactions now, when you run them, and automatically as new transactions sync in.

Tool	What it does	Example prompt
`list_rules`	Lists your transaction rules	”What rules do I have set up?”
`create_rule`	Creates a rule that auto-categorizes, renames, or hides matching transactions	”Always categorize Whole Foods as Groceries”
`run_rules`	Applies rules to your existing transactions and reports how many changed	”Apply my rules to all my past transactions”

A typical flow: the assistant calls create_rule (using a category id from list_categories or create_category), then run_rules to backfill your history. When several rules match, the one with the lowest priority number wins. A transaction you’ve categorized by hand is never recategorized by a rule. If you limited the connection to some accounts, the rules it creates only apply to those accounts.

Budget tools

Set a budget for a category, then ask what’s left. Finta works out every number, so your assistant reports them instead of adding up transactions. The budgets guide explains plans, rollover, targets, and the envelope method.

Tool	What it does	Example prompt
`get_budget_status`	Read. Returns planned, spent, rollover, available, and pace for one month, plus Ready to Assign and card payment envelopes in an envelope plan	”How much is left in dining?”
`list_budgets`	Read. Lists a plan’s budgets with their default monthly amounts	”What budgets do I have?”
`list_budget_plans`	Read. Lists your plans with their method and accounts	”Which budget plans do I have?”
`set_budget`	Write. Sets a budget’s amount from now on or for one month, assigns money in an envelope plan, and sets rollover and targets	”Dining should be $650 a month”
`reallocate_budget`	Write. Moves an amount between two budgets in the same plan for one month	”Move $50 from dining to groceries”
`delete_budget`	Write. Deletes a budget and its monthly amounts. This can’t be undone	”Delete my dining budget”
`create_budget_plan`	Write. Creates a named plan over all your accounts or the ones you choose	”Make a Business budget over my business accounts”
`update_budget_plan`	Write. Renames a plan, changes its accounts or method, or makes it the default	”Switch my budget to the envelope method”
`delete_budget_plan`	Write. Deletes a plan with its budgets. Your transactions and accounts aren’t touched. This can’t be undone	”Delete my Business budget plan”

Good budget prompts:

“Am I on pace with groceries this month?”
“Bump dining to $700 this month”
“What did I spend last month that isn’t in my budget?”
“How much is left in dining in my Business plan?”
“Roll over what I don’t spend on car repairs”
“Save for a vacation with $200 a month, a $1,200 target by December, and rollover on”

In an envelope plan:

“How much is Ready to Assign?”
“Assign $400 to groceries”
“Set aside $200 for my Visa”
“How much do I have set aside for my cards, and how much do I owe?”

Tools that read or change budgets use your default plan unless you name another. “Move $50 from dining to groceries” changes planned amounts in Finta, not money at your bank. If you limited the connection to some accounts, it can still read every plan’s totals, but list_transactions only returns transactions from the accounts you granted. Status names any other accounts behind a total.