ValYou

Lists the user's accounts with category, currency, balance (original + base), and whether each counts toward net worth. Property (category 'property') may come from a stored valuation rather than a manual account row, and always appears regardless of the include-property-in-net-worth toggle — the in_net_worth field indicates whether it is currently being counted, so if it is false you can offer to include it. No account numbers, masks, or credentials are returned. If the result has empty: true, the user has not added the relevant data yet: relay the message and next_step_url rather than treating it as an error.

Returns the user's monthly net-worth history plus a linear forecast (6 and 12 months ahead). Confidence is 'rough' until at least 6 months of history exist. Includes a not-financial-advice disclaimer. Each actual month returns net_worth (which respects the user's include_property_in_net_worth setting) AND home_equity (property valuations minus mortgage owed), which is ALWAYS populated and independent of that setting — negative values mean the user was underwater that month. Guidance: respect the user's setting as the default and never override it. When property is not counted (include_property_in_net_worth false, or property_section_hidden true), still say so plainly and give the counterfactual (e.g. 'X excluding property per your setting; Y with property included'). Offer to include property rather than blocking the answer behind a question — only ask a brief clarifying question when the request is itself ambiguously about property or equity. Never imply the user has no property when it is merely toggled off. If the result has empty: true, the user has not added the relevant data yet: relay the message and next_step_url rather than treating it as an error.

Returns the authenticated user's monthly BUDGET PLAN: their stated monthly income, the categories they have set up (parent + children, max depth 2), the ESTIMATED monthly cost they have planned for each (with per-item currency converted to base), the total estimated monthly cost, and potential monthly savings (income minus total estimated). This is a PLANNING view — the values are the user's own estimates and do NOT reflect actual spending. Never describe these figures as what the user has spent. If the result has empty: true, the user has not added the relevant data yet: relay the message and next_step_url rather than treating it as an error.

Returns the authenticated user's current net worth in their base currency, plus a category breakdown (bank, investment, property equity, crypto, mortgage, credit, loan). Optional month (YYYY-MM) overrides the snapshot month. breakdown.property_equity is ALWAYS reported (it can be negative when the user is underwater) and is independent of the user's settings; property_equity_counted_in_net_worth tells you whether it was added to net_worth, and include_property_in_net_worth / property_section_hidden tell you why it was not. Guidance: respect the user's setting as the default and never override it. When property is not counted, still state that plainly and give the counterfactual (e.g. 'X excluding property per your setting; Y with property included'). Offer to include property rather than blocking the answer behind a question — only ask a brief clarifying question when the request is itself ambiguously about property or equity. Never imply the user has no property when it is merely toggled off. If the result has empty: true, the user has not added the relevant data yet: relay the message and next_step_url rather than treating it as an error.

Returns the authenticated user's Splits ledger: per-friend net balances PER CURRENCY (balances are never converted between currencies), totals owed to the user and owed by the user, groups and their member names, and the 20 most recent expenses. Positive net = the friend owes the user; negative net = the user owes the friend. Friend NAMES only — never emails, avatars, or other contact details. If the result has empty: true, the user has not added the relevant data yet: relay the message and next_step_url rather than treating it as an error.

Returns the user's net-worth percentile within their age band and country (defaults to their saved compare-country). Includes the percentile, label, tier, next milestone, and an age-appropriate status note. If the result has empty: true, the user has not added the relevant data yet: relay the message and next_step_url rather than treating it as an error.

Projects the user's net worth at retirement age (default 65) using future-value maths and history-inferred monthly saving. Returns low/mid/high paths plus a confidence flag. Not financial advice. If the result has empty: true, the user has not added the relevant data yet: relay the message and next_step_url rather than treating it as an error.

Simulates a 'what-if' scenario against the user's projected net worth. Scenario types: change_saving (delta_monthly), lump_sum (amount), growth_rate (low/mid/high overrides), target (target_amount, by_year). Returns baseline vs scenario at low/mid/high. Not financial advice. If the result has empty: true, the user has not added the relevant data yet: relay the message and next_step_url rather than treating it as an error.