Tool reference

The first mode whose trigger matches wins, in this order.

• digest:true → daily flag briefing
• health:true → data-quality dashboard
• explain:true+transaction_id → why this name/category
• plan_status:true → annual plan vs actuals
• private_book:true → private holdings register
• recurring:true → bills & subscriptions
• forecast:true|forecast_months|scenario → projected balance runway
• paychecks:true → income streams
• account_summary:true → per-account rollup
• flows:true → money between own accounts
• reimbursables:true → money owed back
• tag_report:true → per-tag project ledger
• tax_ledger:true → taxes paid/refunded
• tax_documents:true → expected tax forms
• clusters:true → merchant dedup candidates
• detail:true → individual transactions
• by+granularity → P&L matrix
• granularity alone → trend over time
• by alone → aggregate with pct
• period alone → income/expenses/net summary

• category — global taxonomy, READ-ONLY (list, plus this household's own tags/notes on it). Reads: list. Writes: add_tag, remove_tag, set_note, remove_note.
• category_group — its parent groups, list only. Reads: list. Writes: none.
• party — merchants. Reads: list. Writes: create, rename, merge, merge_cluster, delete.
• tag — transaction tags. Reads: list. Writes: create, rename, delete.
• account — rename, hide/unhide, tag, note. Reads: list. Writes: add_tag, remove_tag, set_note, remove_note, rename, hide, unhide.
• recurring_series — bills & subscriptions. Reads: list. Writes: update, rename, delete.
• rule — transaction rules (preview, then create with the returned token). Reads: list, preview. Writes: create, update, delete.
• plan — the annual plan (propose a draft from actuals, then upsert). Reads: propose, get, list. Writes: upsert, delete.
• adjustment — overlay entries that normalize reported actuals without touching transactions. Reads: list. Writes: create, update, delete.
• transfer_link — match two legs of one transfer. Reads: list. Writes: confirm, reject, link.
• document — Paper Trail: file, find, read_text, version, tie_out, substantiate, export. Reads: request_upload, list, get, read_text, export, substantiate, tie_out. Writes: create, delete, reconstruct.
• import — bank statements (OFX/QFX/QBO + Apple Card, Apple Savings, Rocket Money, Wells Fargo, Monarch CSVs). Reads: request_upload. Writes: import.
• bank_connection — list, sync or disconnect bank connections. Reads: list. Writes: sync, disconnect.
• feedback — file a bug/feature/ux note. Reads: none. Writes: create.
• position — private holdings (angel checks, fund commitments, advisor equity). Reads: get, list. Writes: create, update, delete.
• position_event — what moved one (commitment, call, distribution, fee, mark…). Reads: list. Writes: create, update, delete.

• analyze_spending (Analyze spending): A spending review for a period, optionally focused on one area.
• review_recurring (Review recurring bills & subscriptions): An audit of recurring charges for duplicates, price rises and savings.