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MCP Tools Overview

AI2Fin MCP provides 65+ tools across 18 categories for comprehensive financial management.
All tools enforce user-isolation - you can only access your own data.

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📊 Tool Categories

Transactions

9 toolsQuery, create, and analyze spending activity

Bills

10 toolsRecurring bill patterns, payments, and FY analysis

Custom Rules

6 toolsLow-code automation for categorization and compliance

Expenses

1 toolManual expense entry with rule execution

Travel

6 toolsVehicle registry, trip logging, deduction summaries

User Profile

2 toolsPreferences, locale, and AI context updates

Subscription

2 toolsPlan status checks and feature gates

Receipts

2 toolsReceipt ingestion, AI extraction, and linking

AI Analysis

3 toolsCategorization, tax analysis, and update helpers

Spending Outlook

1 toolBlend actual spend with projected bills

Budgets

5 tools (Coming Soon)Budget creation, tracking, and alerts

Enhanced Workflows

4 toolsLink transactions to bills, suggest patterns, auto-linking

Bulk Operations Enhanced

3 toolsBulk tax analysis, bulk bill marking, bulk trip linking

Smart Suggestions

3 toolsBudget suggestions, rule suggestions, tax deduction suggestions

Relationships

4 toolsTransaction relationships, bill transactions, trip transactions, receipts

Smart Receipt Processor

1 toolOne-call receipt processing workflow

File Upload

1 toolCSV/Excel file upload and processing

Bulk Operations

3 toolsBulk categorization, bulk updates, duplicate detection

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🚀 Quick Tool Reference

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Transaction Tools (9)

ToolPurposeStatus
get_transactionsQuery with filters✅
get_tax_deductible_summaryTax summary by category✅
get_category_spending_summarySpending breakdown by category✅
get_top_merchantsTop vendors by spending✅
compare_spending_periodsPeriod comparison✅
get_spending_analyticsComprehensive spending analytics✅
search_transactions_by_intelligenceAI-powered transaction search✅
create_transactionAdd transaction✅
trigger_smart_categorizationAI categorization✅

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Bill Tools (10)

ToolPurposeStatus
get_billsList bill patterns✅
get_upcoming_billsFuture bills✅
get_bill_summaryMonthly totals✅
get_bill_occurrencesNEW Historical queries✅
get_overdue_billsNEW Overdue bills✅
get_bill_pattern_financial_summaryNEW FY analysis✅
mark_bill_as_paidNEW Payment tracking✅
upload_receipt_for_billNEW Receipt linking✅
create_bill_patternNEW Manual creation✅
update_bill_patternNEW Update pattern✅

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Custom Rules (6)

ToolPurposeStatus
get_rulesList rules✅
create_ruleCreate automation✅
update_ruleUpdate rule✅
delete_ruleRemove rule✅
enable_ruleToggle rule✅
test_ruleTest before saving✅

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Travel Tools (6)

ToolPurposeStatus
get_travel_profileTravel settings✅
get_vehiclesRegistered vehicles✅
get_tripsTrip history✅
create_tripLog trip✅
update_tripUpdate trip details✅
get_travel_deduction_summaryTax deductions✅

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User Profile Tools (2)

ToolPurposeStatus
get_user_profileFetch preferences, locale, and AI context✅
set_user_preferencesUpdate country, business type, industry, AI context✅

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Subscription Tools (2)

ToolPurposeStatus
get_user_subscriptionRetrieve plan tier and quotas✅
check_feature_accessVerify gated features (e.g., AI analysis)✅

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Expense Tools (1)

ToolPurposeStatus
create_expenseCreate expense and apply custom rules✅

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Receipt Tools (2)

ToolPurposeStatus
analyze_receiptRun AI extraction on uploaded receipt✅
commit_receiptLink receipt to transaction or create expense✅

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AI Analysis Tools (3)

ToolPurposeStatus
analyze_transaction_categorizationSuggest category with AI reasoning✅
analyze_transaction_tax_deductibilityEvaluate deductibility, business %, GST✅
apply_analysis_to_transactionPersist AI results (category, tax, GST)✅

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Spending Outlook (1)

ToolPurposeStatus
get_spending_outlookBlend actual spend with upcoming bill projections✅

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Bulk Operations (3)

ToolPurposeStatus
bulk_categorize_transactionsBatch categorization by merchant✅
bulk_update_transactionsUpdate multiple fields at once✅
find_duplicate_transactionsDetect duplicate payments✅

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Enhanced Workflows (4)

ToolPurposeStatus
link_transaction_to_billLink transaction to bill pattern✅
suggest_bill_patternsSuggest bill patterns from transactions✅
auto_link_transactions_to_billsAutomatically link transactions to bills✅
mark_bill_as_paid_with_transactionMark bill as paid and create transaction✅

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Bulk Operations Enhanced (3)

ToolPurposeStatus
bulk_analyze_tax_deductibilityAnalyze multiple transactions for tax✅
bulk_mark_bills_as_paidMark multiple bills as paid✅
bulk_link_transactions_to_tripsLink multiple transactions to trips✅

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Smart Suggestions (3)

ToolPurposeStatus
suggest_budgetsGet budget recommendations✅
suggest_rulesGet custom rule suggestions✅
suggest_tax_deductionsFind tax deduction opportunities✅

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Relationships (4)

ToolPurposeStatus
get_transaction_relationshipsGet related transactions✅
get_bill_transactionsGet transactions linked to bill✅
get_trip_transactionsGet transactions linked to trip✅
get_transaction_receiptsGet receipts linked to transaction✅

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Smart Receipt Processor (1)

ToolPurposeStatus
smart_receipt_processorOne-call receipt processing workflow✅

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File Upload (1)

ToolPurposeStatus
upload_expense_fileUpload CSV/Excel file for processing✅

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Budgets (5)

ToolPurposeStatus
create_budgetBudget creation⏳
get_budgetsRetrieve budgets⏳
get_budget_statusBudget vs actual⏳
update_budgetModify budget⏳
delete_budgetRemove budget⏳

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🆕 Recent Additions (Nov 2025)

get_category_spending_summary
Analyze spending breakdown by categoryget_top_merchants
Rank merchants by total spendcompare_spending_periods
Period-over-period comparison
bulk_categorize_transactions
Batch categorization by merchantbulk_update_transactions
Update multiple fields at oncefind_duplicate_transactions
Detect duplicate payments
get_bill_occurrences
Flexible historical queriesget_overdue_bills
Overdue bill detectionget_bill_pattern_financial_summary
FY-aware analysis with projectionsmark_bill_as_paid
Payment trackingupload_receipt_for_bill
Receipt linkingcreate_bill_pattern
Manual bill creationupdate_bill_pattern
Pattern management
analyze_transaction_categorization
AI category suggestions with reasoninganalyze_transaction_tax_deductibility
Tax analysis with documentation guidanceapply_analysis_to_transaction
Persist accepted AI results (category, tax, GST)
analyze_receipt
Extract totals, GST, merchants, and candidatescommit_receipt
Link receipts to transactions or create expenses
get_spending_outlook
Combine actual spend with projected bills

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🎯 Common Use Cases

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”Show me my spending breakdown”

→ get_category_spending_summary

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”Where do I spend the most?”

→ get_top_merchants

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”Did I spend more this month vs last?”

→ compare_spending_periods

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”Categorize all Uber as Transport”

→ bulk_categorize_transactions

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”What are my overdue bills?”

→ get_overdue_bills

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”How much have I paid for Netflix this FY?”

→ get_bill_pattern_financial_summary

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”Mark Netflix as paid”

→ mark_bill_as_paid

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”Did I pay this bill twice?”

→ find_duplicate_transactions

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🔐 Security & Performance

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User Isolation

  • All queries filtered by userId
  • No cross-user data access
  • Enforced at database level

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Performance

  • Direct database access (no HTTP overhead)
  • Response times: 5-200ms typical
  • Efficient bulk operations

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Data Privacy

  • No raw data exposed to AI
  • Cached analysis only
  • Secure authentication required

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📚 Next Steps

Transaction Tools

Detailed transaction API docs

Bill Tools

Bill management API docs

Examples

Real-world usage examples

Authentication

Setup & authentication