Copilot Money MCP

Unified transaction retrieval tool. Supports multiple modes: (1) Filter-based: Use period, date range, category, merchant, amount filters. (2) Single lookup: Provide transaction_id to get one transaction. (3) Text search: Use query for free-text merchant search. (4) Special types: Use transaction_type for foreign/refunds/credits/duplicates/hsa_eligible/tagged. (5) Location-based: Use city or lat/lon with radius_km. (6) Tag filter: Use tag to find transactions with a specific tag. Returns human-readable category names and normalized merchant names.

Get information about the local data cache, including the date range of cached transactions and total count. Useful for understanding data availability before running historical queries. This tool reads from a local cache that may not contain your complete transaction history.

Refresh the in-memory cache by reloading data from the local Copilot Money database. Use this when the user has recently synced new transactions in the Copilot Money app, or when you suspect the cached data is stale. The cache also auto-refreshes every 5 minutes. Returns the updated cache info after refresh.

Get all accounts with balances, plus summary fields: total_balance (net worth = assets minus liabilities), total_assets, and total_liabilities. Optionally filter by account type (checking, savings, credit, investment). Checks both account_type and subtype fields for better filtering (e.g., finds checking accounts even when account_type is 'depository'). By default, hidden accounts are excluded.

Get connection status for all linked financial institutions. Shows per-institution sync health including last successful update timestamps for transactions and investments, login requirements, and error states. Use this to check when accounts were last synced or to identify connections needing attention.

Unified category retrieval tool. Supports multiple views: list (default) - user categories with transaction counts/amounts for a time period; tree - user categories as hierarchical tree; search - search user categories by keyword. Use parent_id to get subcategories. For list view, use period (e.g., "this_month") or start_date/end_date to filter by date. Includes all categories, even those with $0 spent (matching UI behavior).

Identify recurring/subscription charges. Combines two data sources: (1) Pattern analysis - finds transactions from same merchant with similar amounts, returns estimated frequency, confidence score, and next expected date. (2) Copilot's native subscription tracking - returns user-confirmed subscriptions stored in the app. Both sources are included by default for comprehensive coverage.

Get budgets from Copilot's native budget tracking. Returns the current-month effective budget per category plus the full amounts map of per-month overrides for history lookups. For parent categories, the returned amount is the resolved total (children + rollovers) that Copilot displays in the Budgets view. Totals use the current-month effective amount.

Get financial goals from Copilot's native goal tracking. Retrieves user-defined savings goals, debt payoff targets, and investment goals. Returns goal details including target amounts, monthly contributions, status (active/paused), start dates, and tracking configuration. Calculates total target amount across all goals.

Get investment price history for portfolio tracking. Returns daily and high-frequency price data for stocks, ETFs, mutual funds, and crypto. Filter by ticker symbol, date range, or price type (daily/hf). Includes OHLCV data when available.

Get stock split history. Returns split ratios, dates, and multipliers for accurate historical price and share calculations. Filter by ticker symbol or date range.

Get current investment holdings with position-level detail. Returns ticker, name, quantity, current price, equity value, average cost, and total return per holding. Joins data from account holdings, securities, and optionally historical snapshots. Filter by account or ticker symbol. Note: cost_basis may be unavailable for cash-equivalent positions.

Get daily balance snapshots for accounts over time. Each entry returns current_balance, available_balance, limit, account_id, and account_name. The response also includes an accounts array listing the distinct account IDs in the paginated page. Requires a granularity parameter (daily, weekly, or monthly) to control response size. Weekly and monthly modes downsample by keeping the last data point per period. Filter by account_id and date range.

Get per-security investment performance data. Returns structured performance records from the local LevelDB cache, enriched with ticker symbol and name from the securities collection. Filter by ticker symbol or security ID.

Get time-weighted return (TWR) monthly data for investment holdings. Returns monthly TWR records with epoch-millisecond keyed history entries. Filter by ticker symbol, security ID, or month range (YYYY-MM).

Get security master data — stocks, ETFs, mutual funds, and cash equivalents. Returns ticker symbol, name, type, current price, ISIN/CUSIP identifiers, and update metadata. Filter by ticker symbol or security type.

Get monthly progress snapshots for financial goals. Returns current_amount, target_amount, daily data points, and contribution records per month. Filter by goal_id or month range (YYYY-MM).