AI (MCP)
MCP tools reference
An AI app connected to FinTarget can use 32 tools. 24 of them only read your data. The other 8 add or undo records, and only work if you ticked Also let this app add records when you connected the app. You never call them yourself: ask in plain English and the app picks the tools it needs.
No tool can edit or delete the records you entered yourself. Every tool under Adding records except List Categories needs the write permission. To connect an app, see Connect an AI app.
Account and portfolios
| Tool | What it returns | Main inputs |
|---|---|---|
| Get Account | What it returnsYour name, currencies, current financial year dates, today’s date and which optional modules are on. Call it first. | Main inputsNone |
| List Portfolios | What it returnsEach portfolio’s id, name, exchange, currency and number of holdings. | Main inputsNone |
| Get Holdings | What it returnsHoldings with shares, average cost, live price, market value, gain or loss, day change and weight, plus a summary for each portfolio. | Main inputsportfolio or portfolio_id, include_live_prices, sort_by, limit |
| Get Portfolio Value History | What it returnsDaily value snapshots for each portfolio, oldest to newest. | Main inputsportfolio or portfolio_id, from, to, limit |
Trades and dividends
| Tool | What it returns | Main inputs |
|---|---|---|
| List Trades | What it returnsBuys and sells, newest first. | Main inputsportfolio or portfolio_id, ticker, trade_type, from, to, limit |
| List Dividends | What it returnsDividend payments with ex-date, shares held, per-share amount and franking, newest first. | Main inputsportfolio or portfolio_id, ticker, from, to, limit |
| Get Dividend Summary | What it returnsDividend totals with franking credits and the grossed-up amount, grouped by ticker, portfolio or financial year. Covers every dividend. | Main inputsfrom, to, portfolio or portfolio_id, ticker, group_by, limit |
Income and spending
| Tool | What it returns | Main inputs |
|---|---|---|
| List Income | What it returnsIncome entries, newest first. | Main inputsfrom, to, types, search, limit |
| List Expenses | What it returnsExpense entries, newest first. The amount is your own share of a split bill. | Main inputsfrom, to, categories, payment_method, search, limit |
| Get Cashflow Summary | What it returnsIncome, expenses and savings rate for each currency, by income type and expense category, with an optional monthly breakdown and comparison with the previous period. | Main inputsfrom, to, include_monthly, compare_to_previous |
| List Budgets | What it returnsEach budget with spend so far this week, month or year, what is left and a status of on track, warning or over. | Main inputsNone |
| Get Budget History | What it returnsHow each budget went over its last few periods, newest first. | Main inputsperiods, budget_id |
| Get Recurring | What it returnsEvery recurring income and expense with frequency, next date, an overdue flag and the monthly equivalent for each currency. | Main inputsNone |
Super, gift cards and deposits
| Tool | What it returns | Main inputs |
|---|---|---|
| Get Superannuation | What it returnsMonthly balance, employer and concessional contributions, the 15% contributions tax and month-on-month change. | Main inputslimit |
| List Gift Cards | What it returnsEach card’s starting balance, amount spent, remaining balance and days to expiry. | Main inputsNone |
| Get Gift Card History | What it returnsEvery spend against your gift cards, newest first, with a total for each card. | Main inputsgift_card_id, limit |
| List Fixed Deposits | What it returnsEach deposit with bank, principal, rate, dates, expected maturity amount and whether it is active or matured. | Main inputsNone |
Adding records
| Tool | What it returns | Main inputs |
|---|---|---|
| List Categories | What it returnsThe names the add tools accept: your expense categories, income types, payment methods and currencies. Works on a read-only connection. | Main inputsNone |
| Add Expenses | What it returnsAdds up to 20 expenses and returns what was added. | Main inputsamount, date, category, payment_method, description, currency |
| Add Income | What it returnsAdds up to 20 income entries and returns what was added. | Main inputsamount, date, income_type, description, currency |
| Add Budget | What it returnsAdds a new budget for one or more of your categories for a week, month or year. It cannot change a budget that already exists. | Main inputscategories, amount, period, name |
| Add Fixed Deposit | What it returnsAdds a fixed deposit and returns it with the expected maturity amount. Needs fixed deposits switched on. | Main inputsbank_name, amount, interest_rate, start_date, end_date, tenure_years, maturity_amount, currency, notes |
| Add Super Balance | What it returnsAdds the super balance and contributions for a month that has no entry yet. Needs an AUD account. | Main inputsmonth, balance, employer_contribution, concessional_contribution |
| Add Gift Card Spend | What it returnsLogs a spend from a gift card and returns the balance left. It is refused if the card does not have enough. Needs gift cards switched on. | Main inputsgift_card or gift_card_id, amount, date, note |
| Update Expense | What it returnsCorrects an expense an app added in the last 24 hours: amount, date, category, payment method or description. It shows what changed, and cannot touch expenses you entered yourself. | Main inputsid, amount, date, category, payment_method, description |
| Undo Last Changes | What it returnsRemoves the records an app added in its latest add call, within the last 24 hours, and lists what went. | Main inputsbatch_id |
Analysis and alerts
| Tool | What it returns | Main inputs |
|---|---|---|
| Get Net Worth | What it returnsNet worth as Analytics defines it: portfolios at live value, plus super, plus cumulative income minus expenses. Per currency, with an optional converted total. | Main inputsconvert_to, include_savings |
| Get Allocation | What it returnsHow your shares are spread by sector, exchange or portfolio, with your largest positions. | Main inputsgroup_by, portfolio or portfolio_id, convert_to, top_positions |
| Get Tax Year Summary | What it returnsOne financial year: income by type, expenses by category, dividends with franking, sell proceeds and super contributions. | Main inputsfinancial_year |
| Get Upcoming Events | What it returnsUpcoming ex-dividend, dividend payment and earnings dates for your holdings. | Main inputsdays_ahead, portfolio or portfolio_id, max_symbols |
| Get Alerts | What it returnsA health check: overdrawn or expiring gift cards, budgets over or nearly used, deposits maturing soon, stale snapshots, unrecorded recurring items and an out-of-date super balance. | Main inputsNone |
| List Notifications | What it returnsYour price alerts, ex-dividend reminders and ticker rename notices, with the total unread count. | Main inputsunread_only, type, limit |
Adding records
- Permission first. An app that was connected read-only is told so and asked to have you reconnect it with the box ticked. Settings, then Security, then Connected apps shows which apps can add records.
- No guessing. The category or income type must be one you already have, and the app is told to confirm amounts, dates and categories with you before it adds anything.
- What is covered. Expenses, income, budgets, fixed deposits, super balances and gift card spends. Gift card payments and split bills on an expense, and recurring schedules, are not covered yet, so add those in FinTarget.
- New records only. A budget or a super month that already exists cannot be changed this way. The app is told to ask you to edit it in FinTarget.
- Undo and corrections. Undo removes only what an app added, and Update Expense corrects only an expense an app added, both for 24 hours. Your own records cannot be reached.
How results work
- Currencies stay separate. Every row carries its own currency, and totals are grouped by currency. Only Get Net Worth and Get Allocation convert, and only when you pass
convert_to. They return the exchange rates they used and when they were fetched. - Use summaries for totals. The list tools total only the rows they return. For a total over a period, an app should use Get Cashflow Summary, Get Dividend Summary or Get Tax Year Summary, which cover every record.
- Lists say when they are cut short. List tools return 100 rows by default and up to 500, and say how many matched and whether the list was truncated. Get Holdings returns the top 50 by value by default, up to 300, and its portfolio summaries always cover every holding.
- Portfolios by name or id. Tools that filter by portfolio accept the portfolio's name, such as ASX, or its id from List Portfolios. Passing both is an error.
- Live data is fetched on request. Prices, exchange rates, sectors and event dates are fetched live. A missing price comes back as null and is valued at cost. Sector and event lookups work one symbol at a time within a time limit, so the result reports how much it covered. Sectors are saved once found, so repeating Get Allocation fills in the rest.
Prompts
FinTarget also offers three ready-made prompts. Apps that support prompts, such as Claude, list them so you can start a review with one click.
| Prompt | What it asks the app to do |
|---|---|
| Monthly Review | What it asks the app to doReview income, spending, savings rate, budgets and anything needing attention for a month. You can give a month, and it defaults to the last full month. |
| Financial Year Check | What it asks the app to doSummarise a financial year: income, dividends with franking credits, share sale proceeds and super contributions. You can give the year the financial year ends in. |
| Portfolio Checkup | What it asks the app to doCheck your portfolios: value, allocation, concentration, biggest movers, upcoming dates and alerts. |
Try it
- “Compare my spending in October with September and tell me what changed most.”
- “Which sectors make up most of my INR portfolios?”
- “What did I receive in dividends last financial year, including franking credits?”
- “What are my recurring payments, and what do they add up to each month?”
Related
- MCP privacy and limits. What an app can see and how to turn access off.
- Connect an AI app. Step-by-step setup for each app.