List every connected account in Tusk Ledger with current balance, type (checking, savings, credit, investment, loan), and last-sync timestamp. Use this first to understand what accounts exist before drilling into transactions or holdings.

Return accounts whose data is older than the freshness threshold (a week for synced accounts, a month for manual). Useful when the user asks 'why is my net worth wrong?' — stale balances are usually the cause.

List transactions matching optional filters. Returns the most recent matches first. Common filter combos: • account_id + start_date + end_date → 'all transactions in my checking account this month' • category='Coffee' + start_date='2026-01-01' → 'every coffee purchase since New Year' Defaults to no filter (returns the most recent 100 transactions across all accounts).

Free-text search across transaction names, merchant names, and notes. Use when the user asks 'find that Whole Foods charge from last week' or 'when did I last pay Verizon?'. Different from query_transactions in that this is a fuzzy text search, not a structured filter.

Aggregated spending totals broken down by category for a date range. Returns totals + per-category subtotals + counts. Defaults to the current calendar month if no dates given.

Top N merchants by total spend in a date range. Returns merchant name, total amount, transaction count, and a sparkline of the monthly trend. Useful for 'who am I paying the most?'.

List detected recurring subscriptions: Netflix, Spotify, gym, etc. Returns merchant, cadence (monthly/annual/etc.), last amount, next expected date, and confidence. The user often asks 'what subscriptions do I have' — this answers it.

Forward 30-day calendar of expected bills + paychecks with a running balance. Returns each event's date, amount, source (merchant or paycheck), and the projected account balance after that event. Useful for 'is my account going to dip before payday?'.

Current net worth (assets minus liabilities) plus a 12-month trend. Numbers are point-in-time from the last sync, not live-computed. Use list_stale_accounts to verify freshness.

Current investment holdings across every connected brokerage and 401(k). Returns symbol, account, quantity, current value, and unrealized gain/loss per position.

Roll-up of investment portfolio: total value, asset allocation (stocks/bonds/cash), top 5 holdings, % YTD gain. The 'how are my investments doing?' answer.

Run the multi-decade Monte Carlo retirement simulator. Returns probability of success, depletion age, and summary at key milestones (retirement, age 73 for RMDs, etc.).

Caveat: scenarios live in the Tusk Ledger UI's localStorage on the device the user last edited from — they aren't accessible to this tool. So the user (or their assistant) must supply at least current_age. Other params accept sensible defaults that match the standard 4% rule scenario; pass any you know to tighten the projection. To pull a saved scenario verbatim, the user can copy it out of the Retirement page in the UI and paste the values into the assistant's prompt.

Trigger a Plaid sync across all connected items. Same as clicking 'Sync Now' in the UI. Returns a summary of what was fetched (accounts updated, transactions added). Safe to call freely — Plaid dedupes.