> ## Documentation Index
> Fetch the complete documentation index at: https://docs.ai2fin.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Subscription tools for AI assistants

> AI2Fin MCP subscription tools that let your AI assistant check your current plan, billing status, and which features are available — so it knows what it can do and when an upgrade unlocks more.

# 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.

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

***

## get\_user\_subscription

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

### Parameters

None required.

### Response

```json theme={null}
{
  "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

```json theme={null}
{
  "feature": "ai_categorization"
}
```

### Example Response

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

### Response (No Access)

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

***

## Use Cases

### Check Current Plan

```bash theme={null}
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

```bash theme={null}
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:

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.
```

***

## 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.

***

## Next Steps

<CardGroup cols={2}>
  <Card title="Transaction Tools" icon="list" href="/mcp/transaction-tools">
    Access transaction data
  </Card>

  <Card title="Bill Tools" icon="calendar" href="/mcp/bill-tools">
    Manage recurring bills
  </Card>
</CardGroup>