> ## Documentation Index
> Fetch the complete documentation index at: https://docs.finta.io/llms.txt
> Use this file to discover all available pages before exploring further.

# Available tools

> MCP tools for reading accounts, transactions, balances, holdings, and investments — and for categorizing your transactions.

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.

Tools read from Finta storage (requires [Storage Mode](/getting-started/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, and manage manual accounts. Finta MCP never moves money or changes your bank connections or destination settings.

## Read tools

| Tool                            | What it does                                                                     | Example prompt                                  |
| ------------------------------- | -------------------------------------------------------------------------------- | ----------------------------------------------- |
| `whoami`                        | Returns your Finta user and MCP setup status                                     | "Am I connected to Finta?"                      |
| `list_bank_connections`         | Lists your bank connections with status and error state                          | "Which of my banks are connected?"              |
| `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               | "What did I spend on groceries last month?"     |
| `list_categories`               | Lists transaction categories                                                     | "What categories does Finta use?"               |
| `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. They're limited to managing the accounts and categories you've created and categorizing transactions.

| Tool                        | What it does                                                                       | Example prompt                                       |
| --------------------------- | ---------------------------------------------------------------------------------- | ---------------------------------------------------- |
| `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                        | "Set my cash account balance to \$400"               |
| `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 (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"          |

Write tools only affect data you manage yourself:

* **Accounts** — only manual (user-created) accounts can be created, updated, or deleted. Accounts synced from your bank or payment provider are read-only, and manual account changes sync automatically to any connected destinations.
* **Categories** — any category's name, group, or description 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. 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.