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Subscription Tools

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.

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get_user_subscription

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

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Parameters

None required.

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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"
  }
}

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Plans

PlanFeatures Included
freedashboard, category_management, travel_expenses, patterns, expense_management, privacy_management
trialSame as free (trial period)
basicFree features + bank_import, all_transactions, custom_rules
proBasic features + ato_export, ai_categorization, ai_tax_analysis
elite+All Pro features + ai_assistant, email_processing, budget_allocations, and tax_reports

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check_feature_access

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

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Parameters

ParameterTypeRequiredDescription
featurestringYesFeature name to check

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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

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Example Request

{
  "feature": "ai_categorization"
}

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Example Response

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

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Response (No Access)

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

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Use Cases

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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.

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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.

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Upgrade Prompts

If user tries to use a feature they don’t have access to, AI will:
  1. Call check_feature_access
  2. See hasAccess: false
  3. 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.

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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.

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Good to Know

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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.

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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.

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Next Steps

Transaction Tools

Access transaction data

Bill Tools

Manage recurring bills