Subscription tools for AI assistants

The AI2Fin MCP server provides two tools so your AI assistant can check your current plan and confirm which features you have access to before it acts.

These tools return your live subscription details from your AI2Fin account, including your plan and the features available to you.

get_user_subscription

Retrieves your current subscription plan, status, and available features.

Parameters

None required.

Response

{
  "success": true,
  "data": {
    "plan": "pro",
    "planName": "Pro Plan",
    "isActive": true,
    "status": "active",
    "features": [
      "dashboard",
      "category_management",
      "travel_expenses",
      "patterns",
      "bank_import",
      "all_transactions",
      "expense_management",
      "custom_rules",
      "privacy_management",
      "ato_export",
      "ai_categorization",
      "ai_tax_analysis"
    ],
    "trialEnd": null,
    "nextPaymentDate": "2025-12-01T00:00:00.000Z"
  }
}

Plans

Plan	Features Included
free	dashboard, category_management, travel_expenses, patterns, expense_management, privacy_management
trial	Same as free (trial period)
basic	Free features + bank_import, all_transactions, custom_rules
pro	Basic features + ato_export, ai_categorization, ai_tax_analysis
elite+	All Pro features + ai_assistant, email_processing, budget_allocations, and tax_reports

check_feature_access

Checks if user can access a specific feature based on their subscription.

Parameters

Parameter	Type	Required	Description
`feature`	string	Yes	Feature name to check

Features

Free Features (all plans):

dashboard - View your financial overview
category_management - Create and manage categories
travel_expenses - Track vehicle trips and travel claims
patterns - Automatic recurring-bill detection
expense_management - Track and organise expenses
privacy_management - Manage your privacy settings

Basic+ Features (basic, pro, elite+):

bank_import - Import bank statements
all_transactions - View all your transactions
custom_rules - Automated categorisation rules

Pro+ Features (pro, elite+):

ato_export - Tax-ready export
ai_categorization - AI-powered categorisation
ai_tax_analysis - AI tax insights

Elite+ Features (elite+ only):

ai_assistant - AI financial assistant (the natural-language chat that powers these tools)
email_processing - Receipt extraction from emails
budget_allocations - Budget planning
tax_reports - Advanced tax reporting and insights

Example Request

{
  "feature": "ai_categorization"
}

Example Response

{
  "success": true,
  "data": {
    "feature": "ai_categorization",
    "hasAccess": true,
    "currentPlan": "pro",
    "planName": "Pro Plan",
    "upgradeRequired": false,
    "upgradeUrl": "/subscription"
  }
}

Response (No Access)

{
  "success": true,
  "data": {
    "feature": "ai_categorization",
    "hasAccess": false,
    "currentPlan": "free",
    "planName": "Free Plan",
    "upgradeRequired": true,
    "upgradeUrl": "/subscription"
  }
}

Use Cases

Check Current Plan

curl -X POST https://app.ai2fin.com/api/chat/message \
  -H "Authorization: Bearer YOUR_TOKEN" \
  -H "Content-Type: application/json" \
  -d '{
    "message": "What plan am I on?"
  }'

AI will call get_user_subscription and respond:

You're currently on the Pro Plan, which gives you access to:
- All basic features
- Tax export (ato_export)
- AI categorization
- AI tax analysis

Your next payment is on December 1st, 2025.

Check Feature Availability

curl -X POST https://app.ai2fin.com/api/chat/message \
  -H "Authorization: Bearer YOUR_TOKEN" \
  -H "Content-Type: application/json" \
  -d '{
    "message": "Can I use AI categorization?"
  }'

AI will call check_feature_access with feature: "ai_categorization" and respond appropriately.

Upgrade Prompts

If user tries to use a feature they don’t have access to, AI will:

Call check_feature_access
See hasAccess: false
Suggest upgrade:

AI categorization requires the Pro Plan or higher.

Your current plan: Free Plan

Upgrade to Pro to unlock:
✓ AI categorization
✓ AI tax analysis
✓ Tax export

Visit /subscription to upgrade.

Free Quota System

Some premium features include a small free allowance so you can try them before upgrading. Once the allowance is used, that feature prompts you to upgrade to the plan that includes it. Free features remain available on every plan.

Good to Know

Always up to date

Feature access reflects your current plan in real time, so your assistant always knows exactly what you can and can’t do — no stale results.

Graceful by design

You can always reach your free features. If anything is temporarily unavailable, AI2Fin keeps your core experience working rather than locking you out.

Getting Started

Authentication

Tools Reference

Integration

Subscription tools for AI assistants

get_user_subscription

Parameters

Response

Plans

check_feature_access

Parameters

Features

Example Request

Example Response

Response (No Access)

Use Cases

Check Current Plan

Check Feature Availability

Upgrade Prompts

Free Quota System

Good to Know

Always up to date

Graceful by design

Next Steps

Transaction Tools

Bill Tools

​get_user_subscription

​Parameters

​Response

​Plans

​check_feature_access

​Parameters

​Features

​Example Request

​Example Response

​Response (No Access)

​Use Cases

​Check Current Plan

​Check Feature Availability

​Upgrade Prompts

​Free Quota System

​Good to Know

​Always up to date

​Graceful by design

​Next Steps

Transaction Tools

Bill Tools

get_user_subscription

Parameters

Response

Plans

check_feature_access

Parameters

Features

Example Request

Example Response

Response (No Access)

Use Cases

Check Current Plan

Check Feature Availability

Upgrade Prompts

Free Quota System

Good to Know

Always up to date

Graceful by design

Next Steps