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Subscription Tools

AI2Fin MCP provides 2 tools to check user subscription status and feature access.
These tools return REAL subscription data from your AI2Fin account, including plan type and available features.

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get_user_subscription

Retrieves current subscription plan, status, and available features. ###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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Real 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 features including email_processing, budget_allocations, tax_reports, ai_assistant, admin_panel

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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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Real Features

Free Features (all plans):
  • dashboard - View financial overview
  • category_management - Manage categories
  • travel_expenses - Track vehicle trips
  • patterns - Recurring bill detection
  • expense_management - Track expenses
  • privacy_management - Privacy settings
Basic+ Features (basic, pro, elite+):
  • bank_import - Import bank statements
  • all_transactions - View all transactions
  • custom_rules - Automated categorization rules
Pro+ Features (pro, elite+):
  • ato_export - Tax export
  • ai_categorization - AI-powered categorization
  • ai_tax_analysis - AI tax optimization
Elite+ Features (elite+ only):
  • email_processing - Receipt extraction from emails (coming soon)
  • budget_allocations - Budget planning (coming soon)
  • tax_reports - Advanced insights (coming soon)
  • ai_assistant - AI financial assistant (MCP chat)
  • admin_panel - System administration

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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 features have free quotas for trial users:
FeatureFree QuotaNotes
ai_categorization5 callsThen requires Pro+
Most othersUnlimitedBased on plan

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Technical Details

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Authentication

Both tools require JWT authentication. Token must be valid and contain userId.

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Fallback Behavior

If subscription service is unavailable:
  • Returns free plan with basic features
  • User can still access free features
  • Prevents total service outage

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Caching

Subscription data is fetched fresh on each call (no caching) to ensure accurate feature access.

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Next Steps

Transaction Tools

Access transaction data

Bill Tools

Manage recurring bills