Spend summary for a month (YYYY-MM, default current): spend total, per-category breakdown, income, transfers, and any unresolved conflicts. Call this first for 'how am I doing this month'.

Per-category spend totals for a month (YYYY-MM).

List posted transactions with optional filters (category, merchant substring, month YYYY-MM or days lookback — month wins and days is ignored if both are given, min amount). Most recent first.

Top merchants by spend for a month (YYYY-MM).

Compare spend between two months (YYYY-MM each). Returns each total, the overall delta, and a per-category delta table (sorted by biggest change).

Detected recurring/subscription charges (near-monthly, stable amount).

Transactions far above their merchant's historical mean (default 2 sd). UNSCOPED by default — returns flags across ~2 years of history; pass month (YYYY-MM) and/or limit to scope the output (detection baselines still use full history).

Run a read-only SELECT/WITH query against the transactions table (columns: posted_date, amount_cents, status, category, subcategory, category_source, merchant_norm, txn_type, txn_id, account_id). Rows of ALL statuses are visible — add WHERE status='posted' to match the spend tools. No writes, no ATTACH; PII columns (raw_ofx, payee, memo, acct_hash) are read-blocked by the authorizer — merchant_norm is the only merchant text.

Save a NEW durable user preference (one sentence). Not financial data.

List saved user-preference notes.

Delete the note at the given line index.

Pin a merchant (merchant_norm substring) to a category (+ optional subcategory): adds a rule and recategorizes that merchant's existing transactions. Setting category='Random' requires confirm_random=true — it's discouraged, pick a real category or leave it in the review queue.

Categorize a SINGLE transaction by txn_id (no rule). Setting category='Random' requires confirm_random=true — it's discouraged, pick a real category or leave it in the review queue.

What was actually bought behind the Amazon charges in a month — item titles, quantities and line totals. Read-only; needs budget amazon sync to have run.

How much Amazon spend has item detail behind it, in DOLLARS. Check this before trusting an Amazon breakdown — a low number means most of the spend is still unexplained.

Item lines behind an Amazon charge, each scaled to its share of what was actually charged. Read-only. Assign a category to every line yourself, show the user, and only then call apply_split.

Split one charge across categories. Lines MUST sum to the charge exactly or the write is refused. Confirm with the user first — a wrong allocation silently misstates a budget.

Add a user-defined spend category.

Remove a spend category by MERGING it into another (re-points its transactions/rules/budgets, then hides it).

Mark a category as floor-type: MORE spend is good (e.g. Investments), the opposite of every other (ceiling-type) category.

Revert a category to ordinary ceiling-type semantics (less spend is good).

Set a monthly budget limit (cents) for a category or (category, subcategory). Direction (over-budget-is-bad vs under-target-is-bad) comes from the category's floor/ceiling marking (see mark_floor_category), not from this call.

Clear the budget limit for a category (or subcategory).

Set expected monthly income (cents).

Give every Subscriptions merchant its own subcategory (blank ones only) so each can be budgeted individually.

Save a composed brief markdown to data/briefings/.md (period = YYYY-MM | 'all' | 'lastN').

Spend vs budget per category for a month (over-budget flagged; floor categories like Investments flip the comparison — under-target is flagged instead of over-budget).

Income grouped by source for a month.

Income transactions for a given source (+ optional month).

Spend by subcategory within a category for a month.

Deterministic 'ways to save' for a month (over-budget, biggest discretionary, subscriptions; floor categories like Investments falling short of target are flagged separately as 'under target' — add more, not a cut).

Spend + income per month (most recent N, oldest-first).

Render the month's visual report PDF (stat row, spend-vs-budget chart, trend, flags) deterministically to reports/budget-report-.pdf. period is YYYY-MM; optional narrative is a short plain-text paragraph placed under the headline. Writes a local file — confirm with the user before calling.

The assignable category vocabulary: every category's exact name, kind (spend/structural), floor-vs-ceiling direction, and custom flag. Call this before any category write — set_merchant_category / set_txn_category / set_budget_limit require an EXACT name from this list.

The categorization review queue: uncategorized merchants + individual checks to review.

Open (unresolved) import conflicts to reconcile (advisory; resolve via the CLI).