Most tools target clearly different operations: transaction listing vs. reporting, and add_expense/add_income/add_transfer/add_currency_exchange are distinct. The main ambiguity is create_category, which actually creates categories, income sources, accounts, or tags, making its name narrower than its behavior. get_transactions and get_report could be slightly confused but descriptions clarify that one returns raw operations and the other aggregates.

Most names follow a predictable verb_noun pattern: get_balance, list_accounts, update_transaction, delete_transaction, add_expense, etc. Minor deviations exist: add_* is used for recording transactions while create_category is used for setup entities, and create_category itself is overloaded across multiple entity types. The convention is still readable overall.

14 tools is a well-scoped set for a personal finance server, covering accounts, categories, tags, currencies, transactions, transfers, exchanges, and reports. No tool feels obviously redundant or out of place.

Core transaction workflows are covered: add, list, update, delete, transfer, exchange, and reporting. However, several domain entities have create/list but no update or delete operations: categories, accounts, tags, and currencies cannot be modified or removed after creation. This creates notable lifecycle gaps for setup and maintenance operations, even if day-to-day transaction recording is complete.