personal-finance-mcp

List every account across all linked Items, with balances.

Returns: {"accounts": [...], "warnings": [...]}. Warnings describe Items that are unhealthy (re-auth required, etc.) or hit API errors on this call.

Get live current + available balances for accounts.

Fetch transactions in [start_date, end_date] across all healthy Items.

Dates are ISO YYYY-MM-DD. Uses Plaid /transactions/get with offset pagination (count=500 per page). If start_date is older than ~2 years before end_date, the window is clipped and a warning is emitted.

Return recurring inflow and outflow streams across all linked Items.

Calls /accounts/get first per Item to collect account IDs (required by /transactions/recurring/get), then fetches recurring streams and shapes them into unified inflows/outflows lists.

Returns: {"inflows": [...], "outflows": [...], "warnings": [...]}

Return credit, student-loan, and mortgage liability details across all linked Items.

For Items where the liabilities product is not enabled, a per-Item warning with code PRODUCTS_NOT_SUPPORTED is emitted instead of failing the call.

Returns: {"credit": [...], "student": [...], "mortgage": [...], "warnings": [...]}

Return investment holdings with security metadata across all linked Items.

Joins holdings with the securities list returned in the same response to provide symbol, name, and security type. Adds institution to each holding.

Returns: {"holdings": [...], "warnings": [...]}

Fetch investment transactions in [start_date, end_date] across all healthy Items.

Dates are ISO YYYY-MM-DD. Uses offset pagination (count=500 per page). If start_date is older than ~2 years before end_date, the window is clipped and a warning is emitted. Each transaction is joined with security metadata (ticker symbol, name) from the same response.

Returns: {"investment_transactions": [...], "warnings": [...]}

Return health status for every linked Item/institution.

No additional network calls beyond what all_items already makes (it uses the 5-minute health cache). Enumerates linked Items and reports their current health status.

Returns: {"items": [{"env_key", "institution", "institution_id", "status", "reason"}, ...]}

Search transactions by keyword across merchant, name, and counterparty names.

Fetches transactions in [start_date, end_date] and filters them with a case-insensitive substring match against:

• merchant_name

• name

• counterparties[].name

The match is performed on the raw Plaid payload before shaping so that counterparty names (which are dropped by shape_transaction) are searchable. Dates are ISO YYYY-MM-DD. The window is clipped to ~2 years and a WINDOW_CLIPPED warning is emitted when applicable.

Returns: {"transactions": [...], "warnings": [...]}