MCP Tools Catalog — 34 Financial Tools for AI Assistants

AI2Fin MCP provides 34 tools across 15 categories for comprehensive financial management.

All tools enforce user-isolation - you can only access your own data.

📊 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

2 toolsCheck budget status and manage limits by chat

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

🚀 Quick Tool Reference

Transaction Tools (9)

Tool	Purpose	Status
`get_transactions`	Query with filters	✅
`get_tax_deductible_summary`	Tax summary by category	✅
`get_category_spending_summary`	Spending breakdown by category	✅
`get_top_merchants`	Top vendors by spending	✅
`compare_spending_periods`	Period comparison	✅
`get_spending_analytics`	Comprehensive spending analytics	✅
`search_transactions_by_intelligence`	AI-powered transaction search	✅
`create_transaction`	Add transaction	✅
`trigger_smart_categorization`	AI categorization	✅

Bank-connected data: transaction tools like get_transactions return the data you’ve added yourself — manual entries, CSV imports, and API-created records. Data synced from connected bank accounts (open banking) is excluded from MCP tool responses by default.

Bill Tools (10)

Tool	Purpose	Status
`get_bills`	List bill patterns	✅
`get_upcoming_bills`	Future bills	✅
`get_bill_summary`	Monthly totals	✅
`get_bill_occurrences`	NEW Historical queries	✅
`get_overdue_bills`	NEW Overdue bills	✅
`get_bill_pattern_financial_summary`	NEW FY analysis	✅
`mark_bill_as_paid`	NEW Payment tracking	✅
`upload_receipt_for_bill`	NEW Receipt linking	✅
`create_bill_pattern`	NEW Manual creation	✅
`update_bill_pattern`	NEW Update pattern	✅

Custom Rules (6)

Tool	Purpose	Status
`get_rules`	List rules	✅
`create_rule`	Create automation	✅
`update_rule`	Update rule	✅
`delete_rule`	Remove rule	✅
`enable_rule`	Toggle rule	✅
`test_rule`	Test before saving	✅

Travel Tools (6)

Tool	Purpose	Status
`get_travel_profile`	Travel settings	✅
`get_vehicles`	Registered vehicles	✅
`get_trips`	Trip history	✅
`create_trip`	Log trip	✅
`update_trip`	Update trip details	✅
`get_travel_deduction_summary`	Tax deductions	✅

User Profile Tools (2)

Tool	Purpose	Status
`get_user_profile`	Fetch preferences, locale, and AI context	✅
`set_user_preferences`	Update country, business type, industry, AI context	✅

Subscription Tools (2)

Tool	Purpose	Status
`get_user_subscription`	Retrieve plan tier and quotas	✅
`check_feature_access`	Verify gated features (e.g., AI analysis)	✅

Expense Tools (1)

Tool	Purpose	Status
`create_expense`	Create expense and apply custom rules	✅

Receipt Tools (2)

Tool	Purpose	Status
`analyze_receipt`	Run AI extraction on uploaded receipt	✅
`commit_receipt`	Link receipt to transaction or create expense	✅

AI Analysis Tools (3)

Tool	Purpose	Status
`analyze_transaction_categorization`	Suggest a category with clear reasoning	✅
`analyze_transaction_tax_deductibility`	Check whether an expense is tax deductible, including business use and GST	✅
`apply_analysis_to_transaction`	Apply the accepted category and tax details to a transaction	✅

Spending Outlook (1)

Tool	Purpose	Status
`get_spending_outlook`	Blend actual spend with upcoming bill projections	✅

Bulk Operations (3)

Tool	Purpose	Status
`bulk_categorize_transactions`	Batch categorization by merchant	✅
`bulk_update_transactions`	Update multiple fields at once	✅
`find_duplicate_transactions`	Detect duplicate payments	✅

Enhanced Workflows (4)

Tool	Purpose	Status
`link_transaction_to_bill`	Link transaction to bill pattern	✅
`suggest_bill_patterns`	Suggest bill patterns from transactions	✅
`auto_link_transactions_to_bills`	Automatically link transactions to bills	✅
`mark_bill_as_paid_with_transaction`	Mark bill as paid and create transaction	✅

Bulk Operations Enhanced (3)

Tool	Purpose	Status
`bulk_analyze_tax_deductibility`	Analyze multiple transactions for tax	✅
`bulk_mark_bills_as_paid`	Mark multiple bills as paid	✅
`bulk_link_transactions_to_trips`	Link multiple transactions to trips	✅

Smart Suggestions (3)

Tool	Purpose	Status
`suggest_budgets`	Get budget recommendations	✅
`suggest_rules`	Get custom rule suggestions	✅
`suggest_tax_deductions`	Find tax deduction opportunities	✅

Relationships (4)

Tool	Purpose	Status
`get_transaction_relationships`	Get related transactions	✅
`get_bill_transactions`	Get transactions linked to bill	✅
`get_trip_transactions`	Get transactions linked to trip	✅
`get_transaction_receipts`	Get receipts linked to transaction	✅

Smart Receipt Processor (1)

Tool	Purpose	Status
`smart_receipt_processor`	One-call receipt processing workflow	✅

File Upload (1)

Tool	Purpose	Status
`upload_expense_file`	Upload CSV/Excel file for processing	✅

Budgets (2)

Tool	Purpose	Status
`query_budget`	Check budget/spending status — overall or a full per-category breakdown	✅
`manage_budget`	Create a budget, set/update/delete a per-category limit, or set an income target	✅

🆕 Recent Additions (Nov 2025)

Analytics Tools (3)

get_category_spending_summary
Analyze spending breakdown by categoryget_top_merchants
Rank merchants by total spendcompare_spending_periods
Period-over-period comparison

Bulk Operations (3)

bulk_categorize_transactions
Batch categorization by merchantbulk_update_transactions
Update multiple fields at oncefind_duplicate_transactions
Detect duplicate payments

Bill Management (7)

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

AI Analysis (3)

analyze_transaction_categorization
AI category suggestions with reasoninganalyze_transaction_tax_deductibility
Tax-deductibility check with documentation guidanceapply_analysis_to_transaction
Apply the accepted category and tax details to a transaction

Receipt Automation (2)

analyze_receipt
Reads totals, GST, and merchant from a receipt and finds the likely matching transactioncommit_receipt
Link receipts to transactions or create expenses

Spending Outlook (1)

get_spending_outlook
Combine actual spend with projected bills

🎯 Common Use Cases

”Show me my spending breakdown”

→ get_category_spending_summary

”Where do I spend the most?”

→ get_top_merchants

”Did I spend more this month vs last?”

→ compare_spending_periods

”Categorize all Uber as Transport”

→ bulk_categorize_transactions

”What are my overdue bills?”

→ get_overdue_bills

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

→ get_bill_pattern_financial_summary

”Mark Netflix as paid”

→ mark_bill_as_paid

”Did I pay this bill twice?”

→ find_duplicate_transactions

🔐 Security & Performance

Account Isolation

Every tool is scoped to your authenticated account
No cross-account data access
Requests can only read or write your own data

Performance

Fast, low-latency responses
Efficient bulk operations for large datasets

Data Privacy

Data is encrypted in transit (TLS) and at rest
You control your data and can export or delete it at any time
Secure authentication is required for every request
Bank-feed (open banking) data is excluded from MCP tool responses by default — assistants see the data you added yourself

📚 Next Steps

Transaction Tools

Detailed transaction API docs

Bill Tools

Bill management API docs

Examples

Real-world usage examples

Authentication

Setup & authentication

​📊 Tool Categories

Transactions

Bills

Custom Rules

Expenses

Travel

User Profile

Subscription

Receipts

AI Analysis

Spending Outlook

Budgets

Enhanced Workflows

Bulk Operations Enhanced

Smart Suggestions

Relationships

Smart Receipt Processor

File Upload

Bulk Operations

​🚀 Quick Tool Reference

​Transaction Tools (9)

​Bill Tools (10)

​Custom Rules (6)

​Travel Tools (6)

​User Profile Tools (2)

​Subscription Tools (2)

​Expense Tools (1)

​Receipt Tools (2)

​AI Analysis Tools (3)

​Spending Outlook (1)

​Bulk Operations (3)

​Enhanced Workflows (4)

​Bulk Operations Enhanced (3)

​Smart Suggestions (3)

​Relationships (4)

​Smart Receipt Processor (1)

​File Upload (1)

​Budgets (2)

​🆕 Recent Additions (Nov 2025)

​🎯 Common Use Cases

​”Show me my spending breakdown”

​”Where do I spend the most?”

​”Did I spend more this month vs last?”

​”Categorize all Uber as Transport”

​”What are my overdue bills?”

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

​”Mark Netflix as paid”

​”Did I pay this bill twice?”

​🔐 Security & Performance

​Account Isolation

​Performance

​Data Privacy

​📚 Next Steps

Transaction Tools

Bill Tools

Examples

Authentication

📊 Tool Categories

🚀 Quick Tool Reference

Transaction Tools (9)

Bill Tools (10)

Custom Rules (6)

Travel Tools (6)

User Profile Tools (2)

Subscription Tools (2)

Expense Tools (1)

Receipt Tools (2)

AI Analysis Tools (3)

Spending Outlook (1)

Bulk Operations (3)

Enhanced Workflows (4)

Bulk Operations Enhanced (3)

Smart Suggestions (3)

Relationships (4)

Smart Receipt Processor (1)

File Upload (1)

Budgets (2)

🆕 Recent Additions (Nov 2025)

🎯 Common Use Cases

”Show me my spending breakdown”

”Where do I spend the most?”

”Did I spend more this month vs last?”

”Categorize all Uber as Transport”

”What are my overdue bills?”

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

”Mark Netflix as paid”

”Did I pay this bill twice?”

🔐 Security & Performance

Account Isolation

Performance

Data Privacy

📚 Next Steps